Simplifying Retirement

Simplify Retirement for Your Nonprofit

403(b) Pooled Employer Plans (PEPs) reduce compliance burdens, cut costs, and shift legal risk – so your team can focus on your mission, not paperwork.

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Common Challenges with Traditional 403(b) Plans

01 Complex Compliance Requirements

Nonprofits must manage complex IRS filings, legal updates, and strict compliance – all demanding time, expertise, and attention better spent elsewhere.

02 Heavy Administrative Workload

HR, payroll, and finance teams often spend significant time managing plan operations, coordinating with providers, processing contributions, handling errors, and preparing for audits, taking focus away from core mission work.

03 Fiduciary & Legal Exposure

Leaders and board members bear personal fiduciary liability – increasing risk exposure if compliance issues arise.

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What is a 403(b) Pep Plan?

Empowering Nonprofits with 403(b) Pooled Employer Plans

A 403(b) Pooled Employer Plan (PEP) brings nonprofits together under one streamlined retirement plan. Instead of managing everything yourself, the PEP provider handles compliance, administration, and fiduciary duties – reducing costs, lowering risk, and freeing your team to focus on your mission.

Why switch to a PEP plan?

01.

Simplified Administration

The PEP provider handles most of the plan’s compliance, filings, audits, and day-to-day management, reducing the workload on your internal staff.

02.

Lower Fiduciary Risk

Much of the fiduciary responsibility shifts to the plan provider, lowering legal and financial exposure for your organization and its leadership.

03.

Cost Savings

By pooling multiple employers together, the PEP can negotiate lower fees on investments and services, reducing overall plan costs.

What’s Included

Recordkeeping Administration

We handle all day-to-day plan logistics, including enrollment tracking, contribution reporting, compliance documentation, and IRS filings – so your HR team can focus on what matters most.

Investment Services

Your employees get access to a curated lineup of low-cost, diversified investment options, with ongoing monitoring and adjustments to keep portfolios aligned with retirement goals.

Financial Planning

Participants receive guidance from licensed professionals to help them make smart, personalized financial decisions – from budgeting and debt management to long-term retirement planning.

Employee Education

We provide one-on-one support and easy-to-understand materials that empower your staff to engage with their retirement benefits and make informed financial choices.

Fiduciary Services

Our experts take on key fiduciary responsibilities – including plan oversight, investment selection, and compliance – reducing your organization’s legal risk and administrative burden.

Plan Document & Consulting

We create and maintain your official plan documents, ensure regulatory alignment, and provide strategic consulting to help your plan evolve with your nonprofit’s needs.

Ready to Simplify Your Retirement Plan?

Let’s talk about how a 403(b) PEP can reduce risk, cut costs, and support your nonprofit’s mission.