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Reduce Burden, Risk, and Save Thousands of Dollars with the PEP
We offer a suite of products and services to help simplify your life as a 401(k) plan sponsor.What makes the PEP perfect for you?
Decrease Your Workload
Fielding employee questions, filling annual paperwork, and distributing participant disclosures are now a thing of the past. The PEP takes care of that for you.Reduces your Risk
The PEP outsources almost all of your risk to a “Pooled Plan Provider”. If something goes wrong with the investments, they’re held liable - not you.Simplifies your Job
No more wondering who to call. If you run into any trouble at all, simply send one email or make one phone call to your pooled plan provider. We’ll handle it from there.Eliminates Audits
If you have more than 100 employees, you’ll no longer be required to pay for or complete an annual independent audit.Considering switching to a PEP?
Have our team send you a customized proposal.
PEP Provides You With
A Single Point of Contact
We're Here to Help
If you’re running a business, we know that you have a lot of responsibilities on your plate. Administrative work and complexity isn’t something you should have to worry about.
With the PEP, you get a single point of contact for all of your needs. Anytime you or an employee have a question or a problem related to the plan, simply contact the pooled plan provider and we’ll take it from there.
A Single Point of Contact for
Employee Questions
Paperwork of Any Kind
Password Resets
Investment Selection & Monitoring
DOL Audits
Tech Support
New Employee Onboarding
A Couple of Short Videos to Help You
Understand PEP
What is the PEP?Jonathan Duggan
1:16
Why does the PEP matter?Jonathan Duggan
2:40
PEP Reduces Your
Administrative Burden
With a traditional 401(k) plan, you have to:
Field Employee Questions
Employees have all sorts of questions: "Can I take a loan?", "How much can I borrow?", "How do I request a loan?", "How soon before I receive the money?", "What happens if I leave my job before I’ve repaid my loan?". With the PEP, we handle that for you.Review/Approve Loan and Distribution Requests
In a traditional 401(k) plan, you're responsible for determining if the participant qualifies for a distribution (in-service, hardship, break-in-service etc.), certifying that a hardship distribution request meets the qualification requirements, and reviewing/approving loan requests and field loan-related questions from participants.Distribute Participant Disclosures
Regulations require that certain notifications be provided to eligible plan participants, including: Summary Annual Report (SAR), Fee Disclosures, Safe Harbor Notices (as applicable), and Summary Plan Description (SPD).Review and File Annual Paperwork / Form 5500
The IRS Form 5500 is an annual report that must be filed with the U.S. Department of Labor which contains information about the retirement plan’s financial situation, it’s investments and overall operation. Its purpose is to provide information to the regulatory bodies about the plan’s operation and compliance with the various regulations.Right now, you’re responsible for all of this. When you’re part of a PEP, it becomes someone else’s concern.
100+ Employees?
PEP Removes Your Annual Independent Audit Requirement
Instantly Save$10,000+
If your plan is large enough to require an independent audit, that will no longer be your responsibility with the PEP.
Get a Customized ProposalHow Does PEP Compare?
Plan Feature
PEP
TRADITIONAL 401(K)
Comprehensive Retirement Plan Governance
Remove Responsibility to Sign and File 5500
Significantly Reduced Fiduciary Liability
Eliminates Plan Document Maintenance
Customized Plan Design
Considerably Reduced Employer Responsibilites
Loan/Distribution/QDRO Approval & Processing
Liability Removed for Fraudulent Transactions
Annual Compliance Assessment and Fee Benchmarking
Elimination of Individual Plan Audit (as applicable)
Payroll Integration
How well does the PEP fit with your business?
Get in Touch for a Customized Proposal
Are you a Financial Advisor?
Learn how the PEP allows you to get new clients, retain existing clients, and increase client satisfaction unlike any other 401(k) product.
Learn more about PEP for Financial AdvisorsPEP Dramatically Decreases Your
Fiduciary Risk
With a traditional 401(k) plan, you're legally responsible for:
Operational Defects
The plan document provides the framework for the day-to-day operation of your plan. But all too often, it gets filed away and forgotten about because you are busy running your business and who has time to read such a complicated document anyway? Unfortunately, in the eyes of the regulators, you are ultimately responsible for keeping your plan in compliance with the terms of your document, and failure to do so can result in penalties or even disqualification of your plan.Plan Investments
Most plans allow participants to make their own investment choices but it is the plan sponsor’s responsibility to take steps to regularly make participants aware of their rights and responsibilities under the plan related to directing their investments.Department of Labor Audits
If you're audited by the Department of Labor, you're liable for any operational defects found across your entire plan. With the PEP, it's the Pooled Plan Provider held responsible - not you.Right now, you’re responsible for all of this. With the PEP, you won't be anymore.
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