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Simplifying retirement for all. One plan. Every business.

Built for every business

No business too large or too small.

Quick setup

Get started today with the online plan setup or schedule a PEP talk if you have questions.

Easy to use

We take care of the investments and administration for you.

Customizable

Each business chooses their own plan design.

"What exactly is a Pooled Employer Plan (PEP)?" 

Here's the short version: 

  •  It's a retirement plan shared across multiple employers 
  •  You get better pricing and fewer administrative headaches 
  •  It takes the heavy lifting off your shoulders 
  •  You stay compliant (without the scrambling) 

Here are 6 facts to understand PEPs:

  1. Businesses of any size can adopt a PEP.
  2. Unrelated businesses can participate in the same PEP.
  3. Each employer chooses which features to offer - matching contributions, loans, vesting schedules, and more.
  4. Businesses in a PEP share the same recordkeeper, administrator, custodian, and investment adviser.
  5. A consolidated audit for the entire PEP delivers substantial cost savings for large employers.
  6. The SECURE Act eliminated the “one bad apple“rule, so one employer’s missteps no longer disqualify the whole plan.

The Retirement Plan for businesses of all sizes

  • Complimentary Financial Planning Software

  • Individual Investment Advice

  • Group Education Meetings

  • Library of Videos to Support Your Financial Health

  • Expert Plan Design Consulting

  • Independent Fiduciary

  • Ongoing Plan Monitoring

  • Livestream events, business spotlights, community challenges

Infographic of Castle Rock PEP

Searching for a retirement plan for your business?

Overview of Castle Rock PEP
Most popular plan designs

Enjoy Employer Tax Credits for New Plans

The tax credits below are available to companies with 100 or fewer employees and no prior retirement savings plan.

  • $500 for three years

    To add automatic enrollment plan provision.

  • $250 for startup costs in first three years

    Per eligible non-highly compensated employee up to $5,000 each year.

  • $1,000 per employee

    For employer contribution to participants earning up to $100,000. Gradually reduces over five years. See IRS Form 8881.

CR
Castle Rock Retirement Tax Credit Estimator

Form 8881 Tax Credit Calculator

Estimate potential federal tax credits for eligible small employer retirement plan startup costs, employer contributions, auto-enrollment, and military spouse participation.

Estimated Total Available Credit
$0.00
For planning purposes only. Final eligibility and reporting should be confirmed with a qualified tax advisor.

Employer Information

Optional lead-capture fields for planning inquiries or follow-up.

Part I, Section 1

Small Employer Pension Plan Startup Costs Credit

Line A and line 2 use the 1 to 50 and 51 to 100 employee thresholds. :contentReference[oaicite:2]{index=2}
Line 1.
Line 3 equals eligible participants multiplied by $250. :contentReference[oaicite:3]{index=3}
Line 7 manual entry if applicable. :contentReference[oaicite:4]{index=4}

Part I, Section 2

Small Employer Contributions Credit

Line 6a. If 50 or less, line 6d carries to line 6f. If 51 to 100, use line 6e. :contentReference[oaicite:5]{index=5} :contentReference[oaicite:6]{index=6}
Line 6b, excluding the categories described on the form. :contentReference[oaicite:7]{index=7}
Manual entry because the form directs users to the instructions for this amount. :contentReference[oaicite:8]{index=8}
Line 6g applies 100%, 75%, 50%, or 25% depending on year. :contentReference[oaicite:9]{index=9}

Part II

Small Employer Auto-Enrollment Credit

Line 9 is $500 if auto-enrollment is provided. :contentReference[oaicite:10]{index=10}
Line 10 manual entry if applicable. :contentReference[oaicite:11]{index=11}

Part III

Small Employer Military Spouse Participation Credit

Line 12 equals the count multiplied by $200. :contentReference[oaicite:12]{index=12}
Line 13 allows no more than $300 per employee. :contentReference[oaicite:13]{index=13}
Line 14 manual entry if applicable. :contentReference[oaicite:14]{index=14}

Estimated Results

Modeled on the calculation flow reflected in Form 8881.

 

Calculation Detail

Line 2$0.00
Line 3$0.00
Line 4$0.00
Line 5 Startup Costs Credit$0.00
Line 6d$0.00
Line 6e(1)$0.00
Line 6e(2)$0.00
Line 6e(3)$0.00
Line 6e(4)$0.00
Line 6f$0.00
Line 6g Contributions Credit$0.00
Line 8 Total Part I Credit$0.00
Line 11 Total Part II Credit$0.00
Line 12$0.00
Line 13$0.00
Line 15 Total Part III Credit$0.00
Estimated Grand Total Credit
$0.00
Enter your planning assumptions above, then calculate to estimate the available credit.
This estimator is for general informational purposes only. It is not tax, legal, or accounting advice, does not determine filing eligibility, and should not be relied on as a substitute for IRS instructions or professional advice.

Form 8881 Planning Summary

Company: Not provided

Contact: Not provided

Email: Not provided

Estimated Total Credit: $0.00

Planning estimate only. Final credit calculations and reporting should be reviewed with a qualified tax advisor before filing.

This content was prepared with the assistance of artificial intelligence tools and reviewed by Castle Rock Investment Company for accuracy and completeness.