Group retirement plans
Assist your clients in simplifying retirement plan management while developing a more scalable and repeatable process for your practice.
What are group retirement plans?
Group retirement plans—including pooled employer plans (PEPs) and multiple employer plans (MEPs)—allow multiple employers to participate in a single defined contribution plan. PEPs allow unrelated employers to participate in a single plan, while MEPs require a level of commonality among participating employers.
This approach creates a more efficient way to deliver retirement plans at scale.
Group retirement plans can be considered for:
Small to mid-sized employers
Advisors building scalable practices
Clients seeking cost-efficient plan structures
Employers looking to reduce administrative complexity
What group plans deliver
Simplified administration
Comprehensive group plan solutions that deliver unparalleled value with less complexity
Complexity made simple
We manage the complexity across TPA, 3(16) fiduciary, and Pooled Plan Provider roles, and provide a single point of accountability for your practice.
Scalable, customized solutions
Flexibility at scale delivers streamlined plan design and helps you meet clients' most important needs and objectives
Benefits of groups retirement plans
For your clients
Simplified plan management
Cost efficiencies through pooled structures
For your practice
Scale your business with a repeatable plan model
Expand into new client segments and opportunities
Build stronger, longer-term client relationships
Group retirement plans are gaining momentum as a scalable strategy for growth
Group retirement plans create a more standardized approach to plan design, administration, and operations across multiple employers—helping you manage plans more efficiently across your book.
As more employers look for ways to simplify administration and manage fiduciary responsibility, MEPs and PEPs are becoming increasingly valuable solutions.
This creates a clear opportunity: A repeatable model that supports consistent onboarding, streamlined management, and scalable growth over time.
Why choose FuturePlan?
Group retirement plans require coordination across providers, clear structure, and disciplined execution. What matters is having a partner who can manage that complexity while offering a flexible service model that allows you to align fiduciary roles, plan structure, and provider relationships based on client needs.
Scalable solutions
We provide a service model for all plan sizes, with specialized solutions for every segment from small-to-midsize employers to plans with over $10 million in assets.
Complexity made simple
We manage the complexity across TPA, 3(16) fiduciary, and Pooled Plan Provider roles, and provide a single point of accountability for your practice.
Strategic plan design
We utilize defined guardrails to eliminate custom design friction, transforming complex administration into a repeatable practice-builder that scales with your business.
Our 3(16) fiduciary services are designed to help mitigate risk, streamline administration, and provide peace of mind for your clients. Depending on your needs, we’ll take on part or all of your retirement responsibilities and liability. Learn more.
Capabilities designed for group plan delivery
Group plans require coordination across multiple roles and providers. FuturePlan brings these elements together into a cohesive, scalable solution.
Core Capabilities
PEP and MEP expertise
Guidance on structure, positioning, and implementation
Flexible service model
Ability to serve as TPA, 3(16), 402(a), PPP (pooled plan provider), or a combination
Plan operations and execution
Disciplined processes designed for consistency, compliance, and scalability
Advisor partnership
Ongoing collaboration to evaluate opportunities and align plans to the right clients
Multi-provider flexibility
Ability to work across recordkeepers and partners
Plan design for scale
Structured designs that support repeatability and efficient onboarding
Payroll and contribution coordination
Alignment of payroll processes with plan administration
Private label and co-branding
Flexible branding options aligned to your firm strategy
70% of employers are considering or may switch to a MEP or PEP1
New PEP adoption is forecasted to match single-employer plans over the next 5-10 years1
Resources to help you evaluate MEPs and PEPs
Get a detailed understanding of how MEPs and PEPs work––and how they can support your clients and your practice.
Adding group plans to your practice
What advisors should know
Leadership
Behind FuturePlan's deep capabilities is an experienced leadership team dedicated to delivering innovative solutions.
True ease of experience in a group retirement plan doesn’t come from simplifying the work—it comes from managing complexity with absolute discipline. As a trusted partner, we absorb the operational heavy lifting so advisors can focus entirely on delivering tailored outcomes to their clients.
Let’s build your group plan strategy
Whether you’re evaluating PEPs, MEPs, or expanding your offering, connect with FuturePlan to explore the right approach for your clients and your practice.
1 Mercer, Voice of the Plan Sponsor: 2025 DC Practices Survey (July 2025).