Pooled plansModern multiple employer solutions for organizations of every size and industry.
MEPs, PEPs, & GoPs—accessible retirement solutions for all.
WealthPlus has been a trusted leader in the Multiple Employer Solutions space for over two decades, offering deep expertise in navigating the complexities of various plan structures. With the introduction of Pooled Employer Plans (PEPs), businesses of all sizes can now streamline their retirement offerings by joining a cost-effective, shared plan—without the need for a common link among participating employers.
Our blank canvas approach gives decision-makers the freedom to assemble their ideal team of industry recognized service providers, ensuring a tailored solution with no conflicts of interest. As a marketplace, we connect you with top-tier covered service providers, making retirement plans more accessible, efficient, and scalable.
GoPs (Group of Plans), created under the SECURE Act, let associated businesses file a single Form 5500 for multiple 401(k) plans, cutting costs while keeping plan flexibility. If companies meet IRS-controlled group rules, owners can offer a unified retirement plan.
- For employers:Simplify plan management
- WealthPlus empowers organizations with a blank canvas approach, connecting decision-makers to top-tier service providers for tailored, conflict-free solutions. Whether joining a shared plan or unifying multiple 401(k)s, we make retirement benefits simple, scalable, and efficient.
- For Financial Advisors:Elevate client strategies
- Stay ahead with PEPs and GoPs, innovative solutions that simplify retirement plan management for your clients. These structures reduce costs, streamline administration, and enhance compliance. With WealthPlus, you gain access to a marketplace of top-tier providers, allowing you to offer tailored, conflict-free retirement strategies that drive client success.
- For employees:Build a stronger future
- Planning for retirement should be simple and secure. PEPs and GoPs make it easier for employers to offer quality retirement benefits, giving you access to cost-effective, well-managed retirement plans. With WealthPlus, you get a streamlined, reliable path to building your financial future—no matter where you work.
The foundation of any multiple employer solution
WealthPlus offers a blank canvas approach, giving you the freedom to assemble the ideal team of industry-recognized service providers without conflicts of interest. As a dynamic marketplace, we connect decision-makers with top-tier experts across the spectrum, delivering tailored solutions that align with your goals.
ERISA 3(38) investment mangager
A fiduciary with full discretion over a retirement plan's investments. They select, monitor, and manage the lineup, reducing employer liability and ensuring compliance with participants' best interests.
ERISA 3(16) plan administrator
Oversees the daily management of a retirement plan, ensuring compliance, handling filings, and managing participant communications. This role can be fulfilled by the employer or outsourced to minimize administrative burden and liability.
ERISA 402(a) named fiduciary
Person or entity responsible for managing a retirement plan and ensuring it follows ERISA rules. They oversee decisions, service providers, and plan compliance, with the plan sponsor taking the role if no one is named.
ERISA 403(a) discretionary trustee
Has full control over a retirement plan's assets, making investment decisions and ensuring compliance with ERISA. They are legally responsible for managing assets in the best interest of plan participants.
Third party administrator
A TPA oversees retirement plan management, ensuring compliance with ERISA and IRS rules. They assist with plan design, process contributions, conduct nondiscrimination testing, and manage filings like Form 5500 , helping employers navigate complex regulations.
Custodian
A financial institution that securely holds and manages a retirement plan's assets. They handle transactions and recordkeeping but do not make investment decisions.
