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Good Luck Escaping a Pooled Employer 401(k) Plan (PEP)

Good Luck Escaping a Pooled Employer 401(k) Plan (PEP)

By: Eric Droblyen

May 11th 2022

Employers can terminate a single-employer 401(k) at any time, but they can't terminate their portion of a Pooled Employer Plan. That can trap participants.
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Pooled Employer 401(k) Plans (PEPs): Myth vs. Reality

Pooled Employer 401(k) Plans (PEPs): Myth vs. Reality

By: Eric Droblyen

February 16th 2022

Pooled Employer Plans (PEPs) can seem attractive at first blush. Ironically, their purported benefits can, in fact, harm 401(k) plan participants and fiduciaries.
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401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse

401(k) Fiduciary Outsourcing – Roles That MEPs Can Abuse

By: Eric Droblyen

October 28th 2020

Multiple-Employer 401k Plans (MEPs) require business owners to delegate fiduciary roles to their provider. This delegation makes MEPs highly prone to abuse.
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The SECURE Act of 2019 – An Analysis of Key 401(k) Changes

The SECURE Act of 2019 – An Analysis of Key 401(k) Changes

By: Eric Droblyen

January 8th 2020

The SECURE Act of 2019 is the most extensive retirement plan legislation in over a decade. 401k sponsors and participants must understand its key changes.
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How MEPs Signal a Broken 401(k) Industry

How MEPs Signal a Broken 401(k) Industry

By: Eric Droblyen

October 30th 2019

Multiple Employer Plans (MEPs) are better for the 401(k) industry than retirement plan savers and sponsors. Small business owners should avoid them.
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TSP-like 401(k)s + Tax Credits = More Small Business Plans

TSP-like 401(k)s + Tax Credits = More Small Business Plans

By: Eric Droblyen

October 3rd 2018

Multiple Employers Plans (MEPs) are promoted as a way to expand small business retirement coverage. TSP-like 401ks and tax credits would do a better job
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How Trump’s Executive Order on Retirement Plans Falls Short

How Trump’s Executive Order on Retirement Plans Falls Short

By: Eric Droblyen

September 19th 2018

Multiple Employer 401(k) Plans (MEPs) are not the answer for expanding small business retirement plan coverage. Other reforms would be more effective.
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Why Multiple Employer 401(k) Plans are Obsolete Today

Why Multiple Employer 401(k) Plans are Obsolete Today

By: Eric Droblyen

December 13th 2017

Supporters of Multiple Employer Plans (MEPs) claim these 401ks lower plan fees and fiduciary liability for small businesses. Neither claim is true.
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401(k) Cybercrime – Key to Keeping a Plan Safe Is Not Delegating Fiduciary Responsibilities

401(k) Cybercrime – Key to Keeping a Plan Safe Is Not Delegating Fiduciary Responsibilities

By: Eric Droblyen

September 20th 2017

Some employers delegate fiduciary roles that approve cash disbursements to their 401(k) provider, which can make a 401(k) plan more vulnerable to cybertheft.
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How MEPs Complicate 401(k) Plan Terminations

How MEPs Complicate 401(k) Plan Terminations

By: Eric Droblyen

November 2nd 2016

Exiting a 401k plan can be an easy process, as long as you aren't part of an MEP. MEPs complicate the plan termination process and can cost you big time.
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