Pooled Employer Plans (PEP)

The Pooled Employer Plan (PEP) was born on January 1, 2021, as a result of the Secure Act, passed in December of 2019.  The intent of Congress was to provide an avenue for business owners to sponsor a retirement plan with the lowest amount of burden and fiduciary responsibility possible.  TRG Fiduciary Services is working with several PEPs and has found the intent of Congress to be accurate.

The attached PEP Assessment Tool is designed not only to inform, but to assist in evaluating service providers offering services to the PEP and whether or not a PEP is in the best interest of the participants who would participating in a retirement plan which is part of a Pooled Employer Plan.  It is too early to tell if the Pooled Employer Plan will be the retirement plan of the future, but I believe there is a good possibility it will be.

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By Jeff Atwell, AIF, C(k)P, CPFA , Principal, TRG Fiduciary Services, LLC


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