PLANADVISER - March/April 2020 - 15

cover story
Pooled
rength
PEPs should be
a boon to small
employers-
how advisers,
too, can gain
from these plans
AMONG the potentially
sweeping
changes
the
SECURE
[Setting Every Community Up for Retirement Enhancement]
Act ushered in is the authorization of pooled employer plans-
or PEPs. These will offer a new way for unrelated employers to
collectively participate in a 401(k) plan-not a 403(b) or 457(b)
plan, though-that is professionally run and, thanks to economies
of scale, could charge lower fees than do traditional plans.
This arrangement is a type of open multiple employer plan
(MEP), meaning it covers employees of more than one employer.
The PEP option will become available for companies to join
starting this coming January.
By allowing the PEP to file a single Form 5500 and conduct one
annual audit, the arrangement relieves much of the regulatory
burden that has kept small businesses from offering retirement
benefits, experts say. The pooled plan provider (PPP) takes on
the role, historically held by employers, of plan administrator,
serving as the main fiduciary of the plan and registering with
the U.S. Treasury and Department of Labor (DOL).
Art by Alessandro Gottardo
planadviser.com March-April 2020 | 15

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PLANADVISER - March/April 2020

Table of Contents for the Digital Edition of PLANADVISER - March/April 2020

Pooled Strength
Invested in Technology
Keeping Up With The Workplace
The Risks of DC Investing
Let Me Introduce Myself
Small-Plan Governance
Hazard Prevention
New Obligation to the SEC
On Small Plans and Large
PLANADVISER - March/April 2020 - Cover1
PLANADVISER - March/April 2020 - Cover2
PLANADVISER - March/April 2020 - 1
PLANADVISER - March/April 2020 - 2
PLANADVISER - March/April 2020 - 3
PLANADVISER - March/April 2020 - 4
PLANADVISER - March/April 2020 - 5
PLANADVISER - March/April 2020 - 6
PLANADVISER - March/April 2020 - 7
PLANADVISER - March/April 2020 - 8
PLANADVISER - March/April 2020 - 9
PLANADVISER - March/April 2020 - 10
PLANADVISER - March/April 2020 - 11
PLANADVISER - March/April 2020 - 12
PLANADVISER - March/April 2020 - 13
PLANADVISER - March/April 2020 - Pooled Strength
PLANADVISER - March/April 2020 - 15
PLANADVISER - March/April 2020 - 16
PLANADVISER - March/April 2020 - 17
PLANADVISER - March/April 2020 - 18
PLANADVISER - March/April 2020 - 19
PLANADVISER - March/April 2020 - Invested in Technology
PLANADVISER - March/April 2020 - 21
PLANADVISER - March/April 2020 - 22
PLANADVISER - March/April 2020 - 23
PLANADVISER - March/April 2020 - Keeping Up With The Workplace
PLANADVISER - March/April 2020 - 25
PLANADVISER - March/April 2020 - 26
PLANADVISER - March/April 2020 - 27
PLANADVISER - March/April 2020 - The Risks of DC Investing
PLANADVISER - March/April 2020 - 29
PLANADVISER - March/April 2020 - Let Me Introduce Myself
PLANADVISER - March/April 2020 - 31
PLANADVISER - March/April 2020 - 32
PLANADVISER - March/April 2020 - 33
PLANADVISER - March/April 2020 - Small-Plan Governance
PLANADVISER - March/April 2020 - 35
PLANADVISER - March/April 2020 - Hazard Prevention
PLANADVISER - March/April 2020 - 37
PLANADVISER - March/April 2020 - New Obligation to the SEC
PLANADVISER - March/April 2020 - On Small Plans and Large
PLANADVISER - March/April 2020 - 40
PLANADVISER - March/April 2020 - Cover3
PLANADVISER - March/April 2020 - Cover4
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