--- title: Pooled Employer Plan | Castle Rock PEP description: Castle Rock PEP simplifies retirement for businesses of every size. Learn how a pooled employer plan works, what's included, and estimate your federal tax credits. image: https://castlerockpep.com/hubfs/Castle%20Rock%20Logo%202026-1.png --- [Skip to content](https://castlerockpep.com/pooled-employer-plan-1#main-content) ![Castle Rock Logo](https://castlerockpep.com/hs-fs/hubfs/Castle%20Rock%20Logo%202026-1.png?width=1536&height=1024&name=Castle%20Rock%20Logo%202026-1.png) - [Home](https://castlerockpep.com/) - [About Us](https://castlerockpep.com/about) Show submenu for About Us - [Community Page](https://castlerockpep.com/community) - [Blog](https://castlerockpep.com/water-cooler-wisdom) - [Contact Us](https://castlerockpep.com/contact-us) - [Pooled Employer Plan](https://castlerockpep.com/pooled-employer-plan-1) Show submenu for Pooled Employer Plan - [Investment Options](https://castlerockpep.com/investments) - [Pricing](https://castlerockpep.com/pricing-new) - [Plan Design Choices](https://castlerockpep.com/plandesigns) - [Who We Serve](https://castlerockpep.com/who-we-serve) Show submenu for Who We Serve - [Colorado Businesses](https://castlerockpep.com/who-we-serve/colorado-businesses) - [Women-Owned Businesses](https://castlerockpep.com/who-we-serve/women-owned-businesses) - [Fiduciary Tool Belt](https://castlerockpep.com/-fiduciary-tool-belt) Show submenu for Fiduciary Tool Belt - [ERISA Plan Governance](https://castlerockpep.com/erisa-plan-governance) - [ERISA Fiduciary Training](https://castlerockpep.com/fiduciary-training) - [Regulators and Audits](https://castlerockpep.com/regulators-and-audits) Open main navigation Close main navigation - [Home](https://castlerockpep.com/) - [About Us](https://castlerockpep.com/about) Show submenu for About Us - [Community Page](https://castlerockpep.com/community) - [Blog](https://castlerockpep.com/water-cooler-wisdom) - [Contact Us](https://castlerockpep.com/contact-us) - [Pooled Employer Plan](https://castlerockpep.com/pooled-employer-plan-1) Show submenu for Pooled Employer Plan - [Investment Options](https://castlerockpep.com/investments) - [Pricing](https://castlerockpep.com/pricing-new) - [Plan Design Choices](https://castlerockpep.com/plandesigns) - [Who We Serve](https://castlerockpep.com/who-we-serve) Show submenu for Who We Serve - [Colorado Businesses](https://castlerockpep.com/who-we-serve/colorado-businesses) - [Women-Owned Businesses](https://castlerockpep.com/who-we-serve/women-owned-businesses) - [Fiduciary Tool Belt](https://castlerockpep.com/-fiduciary-tool-belt) Show submenu for Fiduciary Tool Belt - [ERISA Plan Governance](https://castlerockpep.com/erisa-plan-governance) - [ERISA Fiduciary Training](https://castlerockpep.com/fiduciary-training) - [Regulators and Audits](https://castlerockpep.com/regulators-and-audits) - [Join the PEP](https://castlerockpep.com/join-castle-rock-pep) [Join the PEP](https://castlerockpep.com/join-castle-rock-pep?hsLang=en)   # 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](https://castlerockpep.com/hubfs/Infographic%20of%20Castle%20Rock%20PEP.png "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) | Company Name | Contact Name | Email | | --- | --- | --- | ### Part I · Section 1: Startup Costs Credit | Total number of employees | Eligible non-highly-compensated employees | | --- | --- | | Qualified startup costs incurred this year | | ### Part I · Section 2: Employer Contributions Credit | Employees in the preceding tax year | Which year of the credit is this?1st year (100%)2nd year (100%)3rd year (75%)4th year (50%)5th year (25%) | | --- | --- | | Employees receiving contributions (earning ≤$100,000) | Total employer contributions made to them | ### Part II: Automatic Enrollment Credit Plan includes an eligible automatic enrollment arrangement ### Part III: Military Spouse Participation Credit | Eligible military spouse employees | Employer contribution per military spouse | | --- | --- | Calculate Reset Print Summary ### Estimated Total Available Credit $0 | Startup Costs Credit | $0 | | --- | --- | | Employer Contributions Credit | $0 | | Automatic Enrollment Credit | $0 | | Military Spouse Participation Credit | $0 | Estimate only, based on figures you entered and general SECURE 2.0 rules. Actual eligibility and amounts depend on your specific plan and tax situation — confirm with your CPA or tax advisor before filing IRS Form 8881. 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