A retirement solution you can feel confident about
Expand your book of business with SAVE4RETIREMENT, ADP’s Pooled Employer Plan (PEP) that reduces complexity, drives value and scales easily.
A smart way to serve clients and scale your retirement business
Confidently offer your clients ADP's SAVE4RETIREMENT Pooled Employer Plan that minimizes sponsor and fiduciary responsibilities.
Powered by experienced specialists
With a team of top-tier providers working seamlessly together, you can offer your clients a complete and credible retirement plan benefit.
- ADP as recordkeeper, manages plan data, prepares documents like Form 5500, distributes plan notices and quarterly statements and handles tax reporting
- Pentegra as the fiduciary and administrator, manages operations and handles compliance-related requirements
- Mesirow as investment manager, selects, monitors and manages the investment lineup
- Templeton as the auditor, performs the annual plan audit
- Reliance Trust safeguards plan assets ensuring proper execution of financial transactions as trustee
Less administration means more strategic client conversations
With the SAVE4RETIREMENT PEP, employers gain scale-driven cost savings, reduced administrative work, and lower fiduciary risk with professional investment oversight.
- Real-time integration between ADP payroll and recordkeeping platforms (ADP SMARTSync®) continuously verifies plan data to help reduce errors, minimizing manual plan tasks
- Greater operational efficiency since a PEP is treated as a single plan requiring only one plan document, one Form 5500, and one plan audit
- Visibility into plan and participant-level data with the ADP Advisor Access portal helps keep client conversations focused
Attractive, competitive benefits without plan management complexity
ADP’s SAVE4RETIREMENT Pooled Employer Plan is built to reduce heavy lifting while still giving your clients the ability to choose plan features that meet their specific needs.
- Clients retain the ability to specify details around Safe Harbor, plan eligibility, employer contributions and vesting schedules
- Supports both ADP payroll and non-ADP payroll clients
- PEP plans allow you to pool clients so that they share administrative costs and gain access to sophisticated fiduciary oversight
- Plan sponsors get access to institutional-quality investments typically reserved for larger plans
A support model that adds to the value you deliver
You and your clients get specialized retirement support from a knowledgeable and experienced service team committed to helping you succeed.
- Implementation and service teams help plans launch smoothly and stay on track
- Real-time compliance insights and operational support reduce the moments that drain time
- Participant education resources and retirement counselors help drive strategy and engagement
- Advisor-facing tools and analytics support stronger reviews and more confident client conversations
- An easy, responsive service experience designed to scale as you add plans
Client-ready resources to support your next conversation
Product Guide
SAVE4RETIREMENT Pooled Employment Plan
Insight
SAVE4RETIREMENT PEP Service and Support
Insight
Drive plan engagement with ADP Achieve
Committed to helping you grow and your clients succeed
SAVE4RETIREMENT PEP features an advisor-centric approach, keeping you in control of your client relationships while adding value, driving retention and minimizing complexity.
- Reduces administrative and compliance burden so that you can focus on providing strategic insight and guidance to your clients
- Scales easily so you can grow your retirement business efficiently
- Aligns with your goals around client retention, plan health, and increasing participant enrollment and engagement
- Supports your business with a powerful combination of intuitive technology, seamless data integration and responsive service from experienced specialists
Work with a provider you can count on
2025 PLANADVISER Adviser Choice Award
Ranked in the Top 5 for Payroll Integration, Overall Service for Micro and Mega plans, Compliance Support and Fee Clarity
2025 Pensions & Investments Eddy Award
First place in Financial Wellness and Pre-Retirement Preparation categories
First place for Retirement Success Pod(k)ast Series
2025 Ragan’s ‘Workplace Wellness Hot List’
Winner for our Financial Wellness Journey Campaigns
What’s new in PEPs and what it means for your clients and your business
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Pooled employer plan FAQs
How does ADP’s pooled retirement solution support my role as a financial advisor?
It helps you stand apart by offering clients a simpler, lower-friction retirement experience, backed by a provider model built to support advisors (not compete with them). ADP handles much of the operational heavy lifting through connected technology and specialized teams, so you can spend your time advising, not on operational tasks.
What types of plan sponsors are the best fit?
Employers who want to simplify plan management and reduce the internal burden without sacrificing quality. PEP plans are a great fit for sponsors who value a more streamlined operational model, clearer support, and a more straightforward path to offering a competitive retirement benefit. And because audit costs are shared, plan expenses are lower as well.
Plans with 100 or more participants will not need to hire an auditor for their annual plan audit. The pooling effect allows smaller companies to access economies of scale, which means they only pay a fraction of the total cost, making it more affordable than a traditional, stand-alone plan.
What responsibilities remain with my clients?
Your clients remain responsible for providing accurate employee payroll data, remitting contributions on time, and selecting provisions as required under the plan.
How does ADP support ongoing plan administration and compliance?
ADP brings scale, process, and integration to administration, documentation, notices, and ongoing compliance workflows. Administration and compliance responsibilities are supported through the pooled plan structure, with specialized teams and processes to help manage ongoing requirements and certain government filings.
How does this solution scale across multiple clients?
Setting up pooled employer plans through ADP is designed to be a repeatable process. A consistent plan experience, supported by ADP’s integrated technology and service model, helps you avoid reinventing your approach with every new client, making it easier to onboard, service, and review multiple plans without amplifying to your workload.
Availability of ADP products may vary by firm.
1. No discounts allowed.
ADP, Inc. owns and operates the ADP.com and the Advisor Access portal. Unless otherwise agreed to in writing with a client, ADP, Inc. and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor or firm for the provision of advice; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans. Only registered representatives of ADP Broker Dealer, Inc. (ADP BD), Member FINRA, or, in the case of certain products, a broker-dealer firm that has executed a marketing agreement with ADP, Inc., may offer and sell ADP retirement products or speak to retirement plan features and/or investment options available in such ADP retirement products. ADP, Inc., ADP Broker-Dealer, Inc, ADP Strategic Plan Services, LLC (collectively “ADP”) are affiliated companies but are not affiliated with Reliance Trust, Templeton, Pentegra or Mesirow. Nothing in this material should be construed to create or provide for any other relationship between ADP and these firms, including but not limited to joint venture or partnership.
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