Pooled employer plans (PEPs)

The power of a pooled plan structure

Pooled employer plans (PEPs) are designed to help employers spend less time managing a retirement plan and more time focusing on their business. By joining with other employers in one pooled structure, organizations can gain simplicity, predictability, and efficiency in their benefits offerings.

What is a PEP?

A pooled employer plan, or PEP, is a retirement plan structure that brings multiple employers together in a single plan, with the plan provider making key decisions and handling many of the day-to-day responsibilities.

PEPs are built for employers who want a simple, streamlined, cost-transparent way to offer retirement benefits.

Industry-leading expertise

PEPs give employers access to:

Fiduciary simplicity

PEPs outsource most of the fiduciary responsibility and risk. Plan administration is designed to satisfy fiduciary requirements without a huge investment of time and effort.

Personalized participant experiences

Informed by behavioral science, personalized experiences will help employees engage, act, and improve their retirement readiness and financial well-being.

Transparent value

By pooling your plan with other employers from across the country, you'll get high value with the benefits of scale from pre-packaged plan design, an investment menu, and a set of innovative financial wellness and advice services.

Learn more about PEPs

We can help set participating employers and employees up for success.

All investing is subject to risk, including the possible loss of money you invest.