Welcome to The 403(b) PEP

Introducing The 403(b) Pooled Employer Plan

PEP is an acronym for Pooled Employer Plan. PEP regulations are an establishment of the Setting Every Community Up for Retirement Enhancement (SECURE) Act passed by Congress in 2021. Prior to this regulatory change, retirement plans had to meet commonality criteria to join together, making the process of aggregating assets a heavily administrative and legally challenging task. Under the new rules of SECURE 2.0 (passed in 2022), 403(b) eligible employers can form joined-asset pools to leverage economies of scale while at the same time reducing their fiduciary liabilities. 


Our Pooled Employer Plan is an innovative solution to 403(b) retirement planning because it allows non-for profit organizations to aggregate their assets to access enhanced plan features while individual plan sponsors can also reduce exposure to risk. When you choose to join The 403(b) PEP, you’ll connect with expert investment management professionals, superior recordkeeping services, and advanced technological services for your participants. Your retirement plan will be under the diligent care of The 403(b) PEP team, with PlanPILOT acting as the ERISA 3(38) Investment Advisor, National Benefits Service acting as the ERISA 3(16) Plan Administrator, and Voya acting as the Retirement Plan Recordkeeper. That leaves you and your administrative professionals with less worry; and more time to focus on other initiatives.