Introducing the New

Pooled Employer Plan

MINIMIZE YOUR Plan Responsibilities

If you are a business owner, a pooled employer plan (PEP) can provide a more cost-effective and streamlined way to offer retirement benefits to your employees without the responsibilities and liabilities that go along with 401K plans.

Does your 401K plan Drive itself?

Pooled Employer Plans also offer the benefit of reduced administrative burdens, as the plan sponsor (e.g. a third-party administrator or financial institution) assumes many of the fiduciary responsibilities and administrative tasks associated with managing the plan.

Why be subject to greater DOL responsibilities and liabilities if you don’t have to be? The “Pooled Employer Plan” might be what you really want. 

The “PEP” Plan AUDIT requirements:

1. If the Pooled Employer Plan includes one “Large” plan the entire PEP is subject to the DOL audit requirement.

2. If the PEP has more than 1,000 participants it will be subject to an audit as well.

If you’re a Large Plan Employer, would you be willing to discuss joining a PEP with other large plans to see if the shared audit cost could save you money?

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Ken Gibbons, CPA & CPFA