Pooled Employer Plan (PEP)
Spectrum Pathway
An Innovative 401(k) Plan Solution
Simplifying Retirement Plan Management
Our innovative Pooled Employer Plan (PEP) solution allows businesses of all sizes to pool assets into one 401(k) plan with fewer administrative and fiduciary hassles while still allowing customization and flexibility.
What is a PEP?
A Pooled Employer Plan (PEP) is a retirement plan that allows multiple employers to pool assets into one 401(k) plan.
PEPs can be an attractive option for businesses looking to offer retirement benefits without the complexities of managing their own 401(k) plan.
Key Features of a PEP
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Shared plan expenses
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Minimize your fiduciary liability
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Reduce administrative tasks
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Access premium, low-cost investments
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Engage and educate employees
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Attract and retain top talent
PEP Service Model
How Does a PEP Work?
With a PEP, you can rely on professionals to handle your administrative and fiduciary duties. This allows you to delegate many of the plan responsibilities, alleviating stress and freeing up your valuable time.
Spectrum Investment Advisors acts as your main point of contact and oversees all aspects of the plan such as setup, enrollment, compliance, operations, and additional tasks.
Smart, Cost-Effective Benefits
A Pooled Employer Plan (PEP) delivers powerful advantages that
save time, streamline costs, and offer modern features.
Efficient
A PEP is reported as a single plan.
One plan document
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Single tax form
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Reduced audit cost for plans that require an audit
Flexible
Each plan can choose plan design options.
Automated plan features
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Safe harbor
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Employer contributions
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Entry requirements*
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Vesting schedule*
*More options available with a custom plan
Premium
Each plan is equipped with premium features.
Seamless enrollment
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Targeted messaging
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Plan analytics & health
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Dynamic financial wellness program
Financial Wellness
At Spectrum, we go beyond the traditional approach to deliver custom education at a plan level and for each employee. Our holistic program offers fiduciary advice on a wide range of topics, personalized fiduciary advice, custom action plans, and dynamic resources.
Meet the Retirement Plan Team
When you work with Spectrum, you get a team that is dedicated to your success. As your fiduciary advocates, think of us as your retirement plan quarterback. We help coordinate the moving parts of your plan, ensuring smooth operation and alignment with your goals.
Manuel Rosado
MBA
President/Partner
Ryan Strankowski
QKA, AIF®, NQPC™
Relationship Manager
Matthew Demet
CEBS®, CRC®, AIF®, CPFA™
Senior Vice President - Business Development/Partner
Emily Zimmerman
CPFA™, CHSA®
Relationship Manager
Suzanne M. Weeden
CEBS®, RPA, AIF®, NQPC™
Senior Relationship
Manager
Dan DeDecker
CPFA™
Relationship Manager
Scott Schwartz
NQPC™
Senior Relationship
Manager
Leah Lang
Client Service Associate
