The future of
401(k) is here.
RetireMint PEP shifts fiduciary liability off your shoulders, eliminates your annual audit, and cuts plan costs -- so you can focus on running your business.
Annual audit cost -- the PEP files one audit, not your company
Typical fee savings vs. a standalone 401(k) through pooled buying power and audit cost savings
Once a year -- that's all the time your team spends on plan admin
Annual admin and compliance hours eliminated by switching to a PEP
Investment Options From Leading Fund Managers
DOL Registered
Pooled Plan Provider
ERISA Compliant
Full regulatory adherence
3(38) Fiduciary
Investment management
3(16) Administrator
Plan administration
Partnered With Industry Leaders
GreenlineYour retirement plan, managed by experts.
As a Department of Labor registered Pooled Plan Provider, RetireMint offers a turnkey, end-to-end 401(k) solution. We take on the fiduciary risk so you don't have to.
Who We Are
A dedicated and experienced team with deep industry knowledge, registered with the Department of Labor as a Pooled Plan Provider. We take the burden of running a retirement plan off your shoulders.
What We Do
Everything. We oversee plan setup, implementation, monitoring, enrollment, investments, and day-to-day fiduciary duties. An all-in-one 401(k) that requires little to no administration on your end.
Why RetireMint
Less risk, less responsibility, lower costs. Eliminate your annual audit and ERISA bond. Outsource administration to institutional experts -- and attract and retain top talent.
A complete, integrated platform.
Plan Manager
End-to-end plan management including setup, monitoring, compliance, and all day-to-day fiduciary duties as your registered Pooled Plan Provider.
Recordkeeper & Administrator
Powered by Empower, one of the largest retirement recordkeepers in the U.S., delivering institutional-grade technology and participant services.
Fiduciary Investment Management
ERISA 3(38) investment management by World Investment Advisors 3(38), with access to funds from Fidelity, American Funds, State Street, BlackRock, JPMorgan, and more.
Payroll Integrations
Seamless payroll integrations that automate contribution processing, reducing manual work and the risk of errors for your payroll and HR teams.
Four steps to a better 401(k).
Transfer Your Plan
We manage the full conversion from your current 401(k) provider to Empower -- including asset transfers, participant mapping, regulatory filings, and employee communications. Your team signs off; we handle the rest.
Your Employees Enroll
Participants get an intuitive digital experience through Empower, including financial wellness tools, a robust service center, and flexible contribution options (pre-tax, Roth, after-tax).
We Manage Everything
From fiduciary oversight and investment management to audits, compliance, and recordkeeping -- RetireMint handles the ongoing operations while you focus on your business.
You Retain Full Control
Define your own eligibility, vesting, and matching provisions. Each employer in the PEP keeps their custom plan design -- you simply offload the administrative burden.
Benefits that matter to everyone.
For Employers
Fiduciary Liability Transferred
RetireMint assumes most investment, operational, and fiduciary liability as your Pooled Plan Provider.
Eliminate Annual Audit
One plan means one 5500 filing and one audit -- handled entirely by RetireMint, not your team.
Reduce Plan Costs
Pooling assets across companies creates economies of scale, driving down per-participant costs.
Save Time
Minimizes operational responsibilities so leadership can focus on strategic business priorities.
For Employees
Affordable Retirement Plans
Accessible, institutional-quality retirement benefits regardless of company size.
Intuitive Digital Experience
Modern platform powered by Empower with robust self-service tools and mobile access.
Dedicated Support
Toll-free participant service center with knowledgeable advisors ready to help.
Financial Wellness
Education resources and wellness programs that help employees plan confidently for retirement.
Investment Advice & Planning
Access to professional investment advice and personalized financial planning to help reach retirement goals.
Every month you delay is money walking out the door.
These are real costs employers absorb right now with a traditional standalone 401(k). A RetireMint PEP eliminates every one of them.
Annual Audit Fees
Plans with 100+ participants are required to file an independent audit every year. Inside a PEP, the audit is filed once at the plan level -- not by your company.
Compliance & Admin
Form 5500 prep, non-discrimination testing, plan document updates, contribution monitoring -- your HR and finance teams are spending weeks on work RetireMint eliminates.
Fiduciary Liability
Breach-of-fiduciary-duty lawsuits have surged 115% since 2020. As plan sponsor, your executives are personally liable. A PEP transfers that risk to the Pooled Plan Provider.
Excess Plan Fees
Most standalone 401(k) plans pay above-market fund expenses and recordkeeping fees. Pooled buying power inside a PEP drives institutional-level pricing from day one.
Side-by-Side Comparison
Traditional 401(k) vs. RetireMint PEP
See how a Pooled Employer Plan stacks up against a standalone 401(k) on the metrics that matter most.
One plan across your entire portfolio.
Private equity firms use RetireMint PEP to consolidate 401(k) administration across portfolio companies -- reducing cost, complexity, and fiduciary risk at scale.
Talk to Our PE TeamConsolidate Portfolio Plans
Pool the 401(k) plans of multiple portfolio companies into a single PEP -- one trust, one audit, one 5500 filing. Dramatic operational simplification across your portfolio.
Drive EBITDA Improvement
Eliminate redundant audit and administration costs at each portco. The savings flow directly to the bottom line, improving valuation multiples at exit.
Standardize Benefits
Deliver a consistent, institutional-grade retirement benefit across all portfolio companies -- improving talent acquisition and retention at scale.
De-Risk Acquisitions
Newly acquired companies can be onboarded into the PEP quickly, eliminating inherited fiduciary risk and reducing due diligence complexity on the benefits front.
Frequently asked questions.
Running a business is complicated.
Your 401(k) doesn't have to be.
Less responsibility. Less liability. Less administration. Let RetireMint handle the complexity so you can focus on what matters most.
Let's talk about your plan.
Whether you're starting a new 401(k) or looking to transition your existing plan, our team is ready to walk you through how RetireMint PEP can work for your organization.