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A Pooled Employer Plan designed by

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Stronger Together
Unity 401(k) leverages economies of scale to offer superior service at lower cost. 

  • Pricing from the scale of a large plan often with savings of 50% or more

  • Each new plan adds to the pricing power we leverage for you 

  • A high quality and low-cost institutional investment lineup

  • Elimination of:

    • Annual Form 5500 responsibilities (PEP is the sole signer)​

    • ERISA Bond, Fiduciary liability insurance and related costs

    • Plan document restatement fees

  • Flat fees for Recordkeeping/Administration, and Advisor Service fees offered at scale

Safer Together
Unity 401(k) offers a Fiduciary Umbrella where the Advisor and Pooled Plan Provider accept the majority of Fiduciary responsibility to protect employers.
  • ERISA 402(a) Named Plan Fiduciary – transfers liability from Employer to the Pooled Plan Provider 

  • ERISA 403(a) Trust & Custody

  • ERISA 3(38) Fiduciary Advisor – removes Employer liability for investment selection and monitoring; creates and maintain Investment Policy Statement 

  • ERISA 3(16) Fiduciary Administrator – removes Employer liability for required plan disclosures, manages all plan documents, and approves all plan distributions

  • No conflicts of interest

Smarter Together
Unity 401(k) makes your life easier by transferring the majority of your plan responsibilities to third party experts and removes the associated costs.
 
  • By converting your existing plan to the Unity 401(k) you can drastically cut back your expenses, fiduciary liabilities, time, and plan duties

  • The work you have to perform is minimal. The Pooled Plan Provider is responsible for most of the plans day-to-day operations

  • You retain independence for plan design

Get More - Do Less - Pay Less

 
A Fiduciary Advisor should be independent and transparent, and offer competitive pricing. With these principles in mind, we've created the Unity 401(k) Plan.
The Unity 401(k) Plan is a Pooled Employer Plan as defined in the SECURE Act and will be available January 2021.

What is a Pooled Employer Plan (PEP)?


A PEP is a Pooled Employer Plan which enables multiple organizations to band together into a single plan and streamlines the process of offering and maintaining a retirement plan, because employers no longer need to sponsor their own 401(k)s and absorb the risks and workload associated with that role.




What is the role of the Pooled Plan Provider (PPP)?


The PPP is designated by the plan as the 401(a) named Fiduciary and the plan administrator of the PEP. The PPP is responsible for the establishment, management, fiduciary oversight, and operations of the plan on behalf of all the member employers.





Get Started - Benchmark your plan

Our 401(k) Benchmark provides a comprehensive analysis of your current 401(k) plan, helping you stay on top of your fiduciary duty. We are proud to offer this service at no cost and with no obligation. Simply complete the form below to get started.
This quick, informative guide will explain the fundamentals and benefits of periodically benchmarking your Benefits Plan. It is a crucial component in monitoring your Plan's service providers and overall costs.
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