Ubiquity

Pooled Employer Plan (PEP):
Ubiquity's Express PEP

(Coming Soon)

Ubiquity's Express PEP: A pooled employer 401(k) plan built for small businesses

Running a business is complicated. Offering a retirement plan doesn’t have to be.

Seeking a set it and forget it approach to sponsoring a retirement plan? For businesses seeking a hands-off option, Ubiquity Express PEP offers an expertly designed and professionally managed plan done for you.

 

Ubiquity’s Express PEP:

Save time and avoid getting tied up in retirement plan complexities

As the Pooled Plan Provider, Ubiquity does the heavy lifting for you by:

  • Hiring and monitoring experts to oversee plan investments
  • Taking on the day-to-day administrative responsibilities
  • Automatically enrolling your eligible employees
  • Making sure the plan remains compliant
  • Acting as your plan’s fiduciary
Reserve your spot

Register today for when Ubiquity's Express PEP is available.

What is a PEP?

An expertly designed and managed employee retirement benefit

A Pooled Employer Plan (PEP) is a retirement plan that allows unrelated businesses to join a single plan that is established and managed by a registered Pooled Plan Provider (PPP). The PEP functions and provides the same benefits and contribution limits to a typical 401(k) plan, with the added benefit of reducing the fiduciary and administrative responsibilities of the employer.

How is a PEP different from a stand-alone 401(k)?

One size fits most package plan vs. customized plan

PEPs and stand-alone 401(k)s each have their distinct advantages–and understanding your options can help you decide which one is best fit for your needs.

Looking for a simplified approach?

One size fits most approach for those who want to get a plan up and running quickly without all the fuss, a PEP provides a cost-effective way for you to help your employees save for retirement—without the complexity or the liability. The trade-off for the convenient turn-key approach is a lack of flexibility when designing your plan.

How much does it cost?

Ubiquity’s Express PEP will be priced with small business in mind to take advantage of available tax credits, etc. (simplified, easy to understand, no hidden costs).

Looking for flexibility?

If you would like a more tailored solution, a stand-alone 401(k) plan plan might be for you.

Stand-alone 401(k) Plans vs. PEP

Stand-alone 401(k)

PEP

Named fiduciary

Employer

Pooled Plan Provider

Responsible for investment selection and monitoring

Employer or Advisor

Pooled Plan Provider selects investment fiduciary(ies)

Responsible for the day-to-day administration of the plan

Employer

Pooled Plan Provider

Responsible for filing annual government forms

Employer

Pooled Plan Provider

Ability to customize investments

Yes

No

Customizable eligibility and vesting schedules

Yes

No

Flexible matching schedules

Yes

Limited

Bond coverage obtainment

Employer

Pooled Plan Provider

Hiring and managing annual audits of the plan

Employer

Pooled Plan Provider

Schedule a free consultation to learn more and see if a PEP may be a good fit for your small business.
Get Started

© 2021 Ubiquity Retirement + Savings
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44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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© 2021 Ubiquity Retirement + Savings
Privacy Policy
44 Montgomery Street, Suite 3060
San Francisco, CA 94104
Support: 855.401.4357

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