• QES Pooled Employer Plan (PEP) Enrollment

    Choose your preferred PEP option.

  • Program Selection

    Choose the plan that fits your company's needs. The QES PEP is designed exclusively for Rollovers as Business Start-Ups (ROBS) Plans. A PEP operates just like a traditional 401(k) retirement plan, including an option to offer mutual fund trading if or when you would like to make retirement contributions. If you don't know or are having trouble, contact us directly: service@leadingretirement.com

  • Here are your options:

  • (1) PEP Balance Forward program

    Annual program rate is $1,500. This option mirrors your current program and reassigns it into the QES PEP. Chose this option if your priority is little change and maximum cost- and time-savings.

    • Locks in your annual rate to avoid future COLA increases to your annual fees.
    • Allows you to avoid ERISA Fidelity bond costs and avoid future annual audit requirements
    • One Time Conversion Fee of $350 to update documents, systems, and applicable administrative, compliance, and operative changes.  
    • Does not offer new contributions or daily investing with mutual funds for participants.

     

    (2) PEP Daily Valuation program

    This option reassigns your plan into the QES PEP and adds daily investing with mutual funds. Chose this option if your priority is to grow your retirement savings alongside your business, with the option for corporate and individual tax deductions through retirement contributions.

    • Locks in your annual rate to avoid future COLA increases to your annual fees.
    • Allows you to avoid ERISA Fidelity bond costs and avoid future annual audit requirements
    • One Time Conversion Fee of $500 to adding the trading platform, online company & employee portals, and invesment menu. As well as update documents, systems, and applicable administrative, compliance, and operative changes.
    • Allows contributions and daily investing with mutual funds for participants.

    Either Daily Val option provide a low annual program rate and allows you to avoid ERISA Fidelity bond costs and avoid future annual audit requirements. See attached fund lineup.

     

    (2a) Safe Harbor

    Annual program rate is $1,500 and requires a 4% safe harbor match to all eligible participants. Can make Pretax or Roth Deferrals up to IRS annual limits, regardless of owner or highly compensated status.

    (2b) Discretionary

    Annual program rate is $1,800 and has no required employer contribution. Can make Pretax or Roth Deferrals up to IRS annual limits, regardless of owner or highly compensated status, as well as employer contributions at your discretion.

     

  • After you select your program above, one of our Implementation Coordinators will contact you to go over the program summary that highlights the plan provisions. We are also happy to schedule time to review this summary.

     

    Note, if you’ve selected a Daily Val program, your summary will include the investment & online enrollment information.

     

    For more information on QES PEP plans, please reach out to us at service@leadingretirement.com or visit our website.

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