Pooled workplace plans
Pooled plans that reduce complexity
Pooled plans that reduce complexity
Workplace solutions with support for administration, oversight, and employee experience
Unlock the advantages of a pooled approach
Join a plan designed to reduce complexity, share responsibilities, and help lower costs.
Reduced risk and responsibility
Transfer key fiduciary responsibilities and risk to a plan professional.
Potential tax credits
Access potential pooled plan opportunities for tax advantages.2
Time savings
Simplify plan management and reduce oversight to save time.
Advantages of scale
Tap into plan design and services typically found in large corporate plans.
Cost savings
Gain the power of shared resources to reduce overall administrative expenses.
Flexible pooled workplace plan types
Whether you need a 401(k), a 403(b), or another defined contribution plan, Empower works with you to choose and design a plan that fits your business and your employees — and helps put it in place.
PEP
Pooled employer plan
Multiple unrelated employers participate under one pooled plan.
MEP
Multiple employer plan
Multiple employers related by a group or association participate under one pooled plan.
PEO
Professional employer organization
Employers partner with a plan offered by a company that manages human resources, payroll, and benefits.
NPO
National partner organization
Employers partner with a plan offered by trusted industry experts.
PEPs: Rethinking the employer's role in retirement plans
Take a look at how a PEP can transform your plan and help you administer it more efficiently.
We’ve embraced the PEP structure. By simplifying administration and improving outcomes, we’re helping more American workers move from paycheck-to-paycheck to long-term financial confidence.
Tom Krusic, Consultant3
June, 2026
Pooled plans can help you streamline administration
Explore how pooled workplace plans can help you reduce overall plan costs and gain administrative advantage.
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Plan sponsor/Empower
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Add new hire to payroll and maintain status updates 
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Compliance 
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Administration
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Eligibility services
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Change, withdrawals, and loans services
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Terminations, retirements, and death services
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Bringing it all together
A full suite of pooled plan benefits in one simplified solution. Expand your benefits to include Empower’s suite.
Workplace perspectives
Stay connected and enhance your benefits strategy with Empower’s thought leadership insights.
One connected experience. Less complexity.
A pooled employer plan (PEP) can help reduce administrative burden, shift fiduciary responsibilities, and bring everything together in one streamlined experience.
The Edge presents: A conversation with Tom Garfinkel
Ed sits down with Tom Garfinkel, Vice Chairman, President and CEO of the Miami Dolphins and Hard Rock Stadium and Managing Partner of the Formula 1 Crypto.com Miami Grand Prix.
Clarity is the new currency
Working Americans are more financially active than ever — managing more accounts, using more tools, and setting more goals. Yet their confidence remains elusive.
How equity shapes workforce decisions, engagement, and financial confidence
Workers increasingly view equity as a symbol of trust and shared success, and many say they would be less likely to accept or stay in a role without it.
Empowering America’s Financial Journey™ Corporate
New findings show how plan design, simplicity and participant support shape financial readiness.
Comprehensive support from Empower
Employee advantages
Built to help employees save confidently with:
- Fiduciary advice solutions providing point-in-time advice4 at no cost, and managed account solutions.5
- Enrollment and education support, including virtual group and 1:1 meetings, and personalized communications.
- The Empower Personal Dashboard™, one place to manage and view their complete financial picture.
Simplified plan administration
Empower’s Plan Service Center (PSC) delivers exceptional service and smart tools that make plan management easier, including:
- Immediate access to plan data and participant records.
- Plan diagnostics and analytics.
- 24/7 access to service inquiries.
A clean security record and guarantee
- Plan sponsors trust our fortified defenses, and participants are assured by our Empower Security Guarantee.6
- A framework of innovation and vigilance drives our cybersecurity.
- We deliver strong cybersecurity safeguards, trusted encryption, and a firm commitment to protect your data and privacy.
