INVST
Workplace Solutions

A smarter 401(k) for your business.

INVST was among the early adopters of the PEP structure, launching Unity 401k in 2021. A Pooled Employer Plan (PEP) is a 401(k) arrangement that allows multiple unrelated employers to participate in a single plan, overseen by a registered Pooled Plan Provider (PPP). The PPP is responsible for plan-level administration and certain fiduciary functions, which may reduce some employer responsibilities compared to maintaining a stand-alone plan. By offering an independent structure, we are able to partner with experienced providers to streamline plan management, help manage fiduciary responsibilities, and provide objective oversight for employers and participants.

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Running a business is demanding. Your retirement plan shouldn't be.

The INVST Unity 401k Pooled Employer Plan

  • Streamlines administration
  • Reduces fiduciary exposure
  • Gives employees access to high-quality, institutionally managed benefits
  • Can also help lower costs compared to traditional 401(k)s
INVST Workplace Solutions

Key Advantages of Participating in a PEP

  • Unified Plan Structure - One plan document, one Form 5500 filing, and one audit, all coordinated and filed by the PPP which helps to reduce administrative complexity for each employer.
  • Fiduciary Support - The PPP assumes key fiduciary responsibilities, including plan administration, under ERISA-defined roles.
  • Access to Institutional Services - Participating employers may benefit from pricing efficiencies and investment options typically available only to larger retirement plans.

We offer an independent benchmark review of your current plan structure by highlighting true costs, gaps in fiduciary protections, and operational deficiencies.

Take the next step toward a better retirement plan experience for you and your team.

Get Started Today