Pooled Employer Plan

Your Turnkey 401(k) Solution

A streamlined retirement plan so you can focus on what truly matters—your people.

Our innovative retirement plan solution allows businesses of all sizes to provide a cost-effective and reliable company benefit with fewer administrative burdens.

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What is a PEP?

A Pooled Employer Plan (PEP) is a type of retirement plan that allows multiple employers to participate in one shared 401(k) plan. Each participating employer retains flexibility in plan design while gaining access to shared operational support.

Key benefits of a PEP:

Pools with other plans for shared expenses
Minimizes fiduciary liability and administrative tasks
Provides access to premium, low-cost investments
One audit for the PEP instead of costly, individual plan audits
Attracts and retains top talent with a competitive benefits package

Offload Fiduciary Responsibility

Shift many compliance, investment monitoring, and plan management duties to the pooled plan provider. This helps you focus on your business while maintaining a strong retirement benefit for your team.

Save Time & Reduce Admin Burden

From enrollment to reporting, a PEP streamlines many plan operations, freeing up valuable time for your team.

Simplified
Audit
Process

For plans with 100+ participants, joining a PEP means you no longer need to conduct a separate annual audit. This helps reduce complexity and demands on your team.

Shared
Plan
Efficiencies

By pooling with other employers, you gain access to premium, low-cost investments and shared administrative costs.

Finding the Right Fit

A Custom 401(k) Plan may work well when:

There is a desire for full control over investments and service providers
The organization prefers to design every aspect of the plan independently
Internal resources are available to manage fiduciary and administrative duties

A Pooled Employer Plan may work well when:

There is a desire to share administrative and fiduciary responsibilities
The organization prefers coordinated operational processes
Access to additional participant engagement tools is a priority

If you are unsure which option aligns best with your goals, let’s talk. We can answer any questions you have and help guide the decision-making process.

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Your People. Your Plan. Our Priority.

At Adcock Financial Group, we care.
That means showing up, listening, and putting people first. Whether it’s helping employees feel confident about retirement or guiding employers through their fiduciary responsibilities, we take a hands-on approach built on trust, education, and values.

For Employers: Lightening Your Load

Running a business is enough work on its own. Managing a retirement plan should not add to your stress. That is where we come in. We partner with plan sponsors to make fiduciary responsibilities clear and manageable. Our goal is to take care of the details so you can focus on what truly matters most: your people.

For Employees: Retirement Confidence

We believe everyone deserves the chance to retire with dignity. Our team takes the time to connect with employees, answer real questions, and make retirement planning feel simple and personal. Through one-on-one conversations and clear education, we help turn uncertainty into confidence, one employee at a time.

Trusted Support

We work with organizations to help them offer retirement plans that fit their needs. Through education, plan setup guidance, and ongoing plan support, we focus on helping employers strengthen their retirement benefit offering.

Let’s find the right retirement plan structure for your business.
Contact us to discuss your options and determine the next steps

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