A well designed retirement plan supports employees while allowing business owners and HR professionals to focus on building and growing a sustainable organization.

Retirement Plan Sponsor Self Assessment

As a retirement plan sponsor, you are responsible for making sure the plan is operated in the best interest of your employees. Here is a checklist of the more common fiduciary responsibilities. After you complete the assessment, a member of our 401(k) team will reach out to discuss your submission.

Take the Self Assessment

Reduce the Complexity of Retirement Plans

Traditional 401(k) plans place the daily operations, administrative responsibilities, and fiduciary risk squarely on plan sponsors. The YouThrive PEP allows you to outsource most of these burdens while still providing an exceptional retirement benefit.

Reduce the Complexity of Retirement Plans

Retirement Plans, Simplified

The YouThrive Pooled Employer Plan (PEP) reduces administrative workload and fiduciary liability while often reducing costs. 

Why a PEP may be your best option

Reduce Liability

  • Transfer fiduciary responsibility from your company to dedicated experts
  • Shift 402(a) named fiduciary responsibilities to Newport (PPP)
    Benefit from CapSouth's role as 3(38) investment fiduciary, taking full responsibility for investment selections
  • Eliminate your obligation for compliance testing, plan audits, and regulatory filings

Potentially Lower Costs & Greater Administrative Freedom

  • Plan expenses are often reduced by up to 30% through economies of scale
  • Eliminate the annual audit requirement for plans with 100+ participants, which commonly costs $12,000 to $20,000 or more
  • Free your HR team from most day-to-day retirement plan management
  • Streamline administrative processes with technology integration

Upgraded Employee Experience

  • Provide access to institutional-quality investments with low expense ratios
  • Offer comprehensive financial wellness resources and education (optional service)
  • Deliver personalized 1:1 financial coaching with CFP professionals (optional service)
  • Support employees with award-winning digital tools and multi-language service options

Who Benefits Most from the YouThrive PEP?

The YouThrive PEP is ideal for:

  • Companies with 15+ employees seeking to reduce administrative burden
  • Organizations with 100+ participants looking to eliminate annual audit requirements
  • Businesses with dedicated HR staff wanting to focus on strategic priorities
  • Companies in control groups wanting consolidated retirement plan management
  • Professional firms and skilled labor companies focused on employee outcomes
  • Companies seeking to reduce the cost of their retirement plan
Who Benefits Most from the YouThrive PEP

We make the transition easy

1

Submit a letter of intent to begin the process

2

Partner with our team to gather necessary documentation

3

Transfer assets from your existing plan (if applicable)

4

Launch your plan with enrollment and education support

5

Receive ongoing guidance from your dedicated relationship manager

Get a flexible plan to meet your needs

Get a flexible plan to meet your needs.

While the YouThrive PEP offers standardized administration, we provide flexibility in key areas:

  • Safe harbor design options
  • Automatic or voluntary enrollment
  • Eligibility requirements
  • Employee and employer contribution structures
  • Vesting requirements
  • Loan provisions
  • Distribution options

Schedule an Intro Call to Get Started