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Pooled Employer Plan

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.

Infographic of Castle Rock PEP

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

Tax Credits Available to Employers

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 an automatic enrollment plan provision.

$250

for startup costs, first three years

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

$1,000

per employee

For employer contributions to participants earning up to $100,000. Gradually reduces over five years.

Estimate Your Tax Credits

A quick estimate of the federal tax credits your business may qualify for under SECURE 2.0 — startup costs, employer contributions, automatic enrollment, and military spouse participation.

For planning purposes only. This is not tax advice — please confirm eligibility and amounts with your CPA or tax advisor.

Employer Information (optional)

Part I · Section 1: Startup Costs Credit

Part I · Section 2: Employer Contributions Credit

Part II: Automatic Enrollment Credit

Part III: Military Spouse Participation Credit