Retirement Benefits for Construction & Trades Employers

Prevailing-wage projects, seasonal crews, and ERISA audit exposure that grows with headcount all make retirement benefits harder for construction and trades employers to get right. Castle Rock's Pooled Employer Plan is built around exactly those constraints.

Built for a project-based workforce

Prevailing-wage / Davis-Bacon projects: fringe-benefit dollars can be directed into a compliant retirement plan instead of paid out in cash, satisfying certified-payroll requirements while actually building your crews' retirement savings.
Built for project-based headcount — our plan design handles crews that expand and contract by season or by job without becoming an administrative headache.
As your crew count grows, so does audit exposure under ERISA — pooling into Castle Rock's PEP means no annual plan audit fee for you, even as headcount crosses the usual triggers.
We act as your plan's independent fiduciary, taking on the legal and compliance risk that otherwise sits with a busy owner or office manager.