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

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.

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