Pooled Employer Plan (PEP)
Simplify the process of offering a plan, reduce fiduciary liability, and help drive better employee outcomes.
What is a PEP?
The WELLthBuilder Pooled Employer Plan (PEP) is a streamlined 401(k) solution that allows employers of all sizes to join a professionally managed, centrally administered retirement plan. Instead of each employer running their own standalone 401(k), the WELLthBuilder PEP brings everyone under one unified structure — reducing complexity, lowering costs, and improving retirement outcomes for employees.
Through WELLthBuilder, employers gain access to a modern retirement program with:
- Simplified administration — operational responsibilities, filings, and daytoday tasks are handled for you.
- Reduced fiduciary risk — key oversight duties are shifted to experienced specialists.
- Highquality investments — professionally curated options, including lowcost index funds and managed portfolios.
- Dedicated support — onboarding, compliance, service, and participant education are all built into the experience.
The WELLthBuilder Advantage
Affordability
Employers of all sizes now have access to pricing that has historically been available to only the largest employers.
Reduced liability
WELLthBuilder’s unique structure frees employers from much of the liability and headaches of sponsoring a traditional 401(k).
Reduced administrative burden
WELLthBuilder reduces the workload of offering a plan by delegating 5500 filings, notices, or distributions.
Fiduciary oversight
Multiple fiduciaries monitor WELLthBuilder to ensure all participants’ best interests are top priority.
High quality investments
WELLthBuilder’s investment lineup rivals the quality and cost of the largest plans in the country.
Transparent pricing
Simple and straightforward pricing so that you know how much and for what you and your employees are paying.
Flexibility
WELLthBuilder allows employers to customize their plan design to fit their unique needs and budget constraints.
Dedicated service team
Access to an expert team to ensure a seamless experience for your and your employees.
Structure of the PEP Solution
Unique PEP
Service and Simplicity.
Design
Flexible plan design options with assistance from specialists who help design the retirement plan that meets the unique needs of your company and your employees.
Onboard
WELLthBuilder significantly reduces the workload of offering a plan by delegating 5500 filings, notices, or distributions.
Serve
Each participating employer is assigned a dedicated retirement plan administrator, plus a support team, to serve as your main points of contact for the life of your relationship.
Equip
Cutting-edge technology for you and your employees, includes sophisticated tools and resources to monitor, manage, and measure retirement outcomes.
Winner of 2025 PLANADVISER Retirement Plan Adviser of the Year — Micro/Startup Plans
Phil Senderowitz
Managing Director, Strategic Retirement Partners
Finalists and winners in this category stand out for their dedication to helping more Americans save for retirement in the workplace via micro and startup plans—especially those who work for small businesses or who are members of underrepresented communities.
reach out today
Connect with the WELLthBuilder Service Team
If you want a slightly more action‑oriented alternative, I can tailor it toward employers, advisors, or next‑step onboarding.
