Heritage PEP Solutions delivers ERISA-compliant Pooled Employer Plans that reduce your administrative burden, lower fiduciary risk, and provide institutional-grade retirement benefits to your workforce.
Institutional-grade retirement infrastructure, purpose-built for employers who demand compliance certainty and operational efficiency.
As your ERISA Section 3(44) named fiduciary, Heritage PEP Solutions assumes full legal responsibility for plan investment decisions and compliance — reducing personal liability from your executives and HR team.
Pooling administrative costs across multiple employers dramatically reduces per-employer expenses for audits, Form 5500 filings, and legal review.
Curated institutional fund lineups, including target-date series and index options — all within a fiduciary-reviewed framework.
Digital enrollment, automated payroll integration, and dedicated implementation support — your plan is operational quickly.
ADP/ACP testing, top-heavy determinations, and all required government filings managed end-to-end.
Heritage PEP Solutions is structured to meet the most rigorous regulatory standards in the defined contribution industry.
Not all Pooled Plan Providers are the same. Heritage PEP Solutions was built from the ground up to serve small and mid-size employers with the rigor, transparency, and service quality they deserve.
Our team brings decades of combined experience in ERISA law, plan administration, and fiduciary governance — not generalists, but specialists.
We don't just claim fiduciary status — we assume it in writing under ERISA Section 3(44), with full legal accountability for every investment decision.
Through our pooled structure, your employees gain access to institutional share classes and fund lineups typically reserved for plans ten times your size.
Our streamlined onboarding process gets your plan live quickly — with dedicated support at every step from enrollment through first contribution.
No hidden fees, no revenue sharing surprises. Our fee disclosure is clear, competitive, and fully compliant with DOL fee transparency requirements.
Every employer receives a named relationship manager — a single point of contact who knows your plan, your workforce, and your goals.
Reach out to our plan specialists today. We'll assess your current retirement benefits, identify compliance gaps, and outline a clear path to a Heritage PEP plan.