Pooled Retirement Plans for Your Organization

A well-designed retirement plan can help you recruit and keep talented employees. But offering a retirement plan can be complicated. That’s why a pooled retirement plan is attractive to many organizations. It allows multiple employers to join a single retirement plan, which reduces your responsibilities and cost.

Ameritas can help. Our history managing pooled plans spans over 20 years. Our experience gives us insight into the processes and systems that are necessary to set up a successful pooled plan. We’ll work with you to ensure your plan is exactly what you need.

Streamline retirement plans

Navigate the complexities of pooled retirement plans with tailored solutions.

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Different types of pooled plans

While other types of pooled retirement plans exist, Ameritas specializes in MEPs and PEPs, which can be offered as 401(k) or 403(b) plans.

Multiple Employer Plans

related employers

Related employers

MEPs are for businesses that typically have some common interest but are not commonly owned.

Pooled Employer Plans

unrelated employers

Unrelated employers

PEPs allow unrelated employers to pool their retirement resources with those of other employers.

The Benefits of PEPs for Small Businesses

July 26, 2024 |read icon 6 min read

As a small business owner with valuable employees, you know the importance of providing a competitive benefits package. A high-quality retirement plan can both attract and retain top talent, ensuring your company’s long-term success.

Eliminate 95% of time-consuming
plan administration

Compared to a single employer plan, both types of pooled plans offer:

A plan that’s easy to administer.

A compliant retirement plan.

Cost efficiency.

Why Ameritas?

We’ve been a leader in the retirement plan marketplace for over 60 years. As a premier recordkeeper and administrator, we have the expertise to help you provide a retirement plan you can trust to meet the distinctive needs of your organization.

  • Dedicated support

    Your retirement plans team is dedicated to pooled plans and has the experience to design and manage a successful plan.

  • Services to fit your priorities

    Whatever the size of your plan or the stage it’s in, our technology and plan administration models provide the services you and your employees need.

  • Fiduciary assistance

    Navigating retirement plan regulations can be daunting. Ameritas partners with industry-leading administrative and investment fiduciaries to help manage risks and responsibilities effectively. See our other fiduciary resources.

  • Payroll integration

    Managing a retirement plan involves handling contributions. We work with dozens of payroll providers who can help you automate and streamline the process. Choose from two options:

    • 180° payroll integration directly transfers plan payroll files without the need for employers to manually enter or upload this information.
    • 360° payroll integration directly feeds contribution rate changes, auto-escalation, opt-outs and loan data into payroll programs without the need for employers to manually input this information.
  • Custom branding

    Your plan needs to feel unique and reflect your brand. You can customize your plan portal, brochures and participant materials with your logo and colors.

How do I begin?

Retirement solutions from Ameritas are customized to the needs of your organization, and they start with a conversation. Tell us a little more about your needs and we’ll be in touch.