Next-Generation Retirement Plans: Pooled Employer Plans

Transforming Retirement: Pooled Employer Plans

The SECURE Act encourages employers from all industries and sizes to band together and offer a new defined contribution plan: The Pooled Employer Plan

With the passing of the SECURE Act, employers will no longer need to sponsor their own individual 401(k) plan. A better solution is now possible if employers pool resources together. Joining a pooled plan with other employers will increase efficiency, reduce risks, and create better outcomes for participants. 

PEPs Offer Advantages to Employers and Employees

Smart Design

  • Easier to deliver benefits: Employers with and without retirement benefits today may find providing benefits easier through a PEP

Smart Engagement

  • Early access to best practices: Participants gain access to best practices (e.g. lifetime income, automatic features) and enhanced user experience

Smart Governance

  • Lower fiduciary risk while benefiting from scale: Employer shifts fiduciary responsibility to the Pooled Plan Provider (PPP) with management expertise who can aggregate assets across plans to create scale to drive better retirement outcomes for employees

Aon’s PEP Structure

We believe PEPs will transform the retirement landscape, similar to how 401(k) plans transformed the pension landscape 40 years ago. We look forward to navigating this new territory with you.

About Aon

Aon plc (NYSE:AON) is a leading global professional services firm providing a broad range of risk, retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients by using proprietary data and analytics to deliver insights that reduce volatility and improve performance. For more information, please visit

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