Welcome to a
more affordable way to 401k

Give employees the retirement plan options they need
without the 
extra cost, risk, or work.

 Start your own retirement plan with a one time set up fee of $750 and just $84 a month
for any size group.


Traditional 401k plans are expensive and require a lot of administrative work and risk for employers. Peppermint’s Pooled Employer Plan makes offering great retirement savings options quick, easy, and affordable.

That’s the power of peppermint!

What is a PEP?

Pooled Employer Plans allow small business owners to pool retirement resources with other employers and make retirement plans less
expensive and easier to manage.

Does my business qualify?

Companies of any size can join a Pooled Employer Plan AND employers starting a new plan may be eligible for SECURE Act tax credits of up to
$15,000 over three years.*

Why should I sign up with peppermint?

With peppermint as your plan sponsor, you can give your employees the retirement plan options they want without the cost, risk, and administrative burden of a traditional 401k. Improve employee satisfaction, retention, and recruitment while helping your team save for the future.


How does peppermint
compare to a traditional 401k

A peppermint retirement plan can work for almost any business, not just SMBs and start-ups. Our plans are designed to make it easy for any employer and offer several advantages over traditional 401ks.


Lower employer costs

Combining multiple employers lets you leverage group buying power which means lower fees and less paperwork and maintenance

Less risk

Peppermint acts as your fiduciary which limits your liability

Easy launch

Peppermint reduces the employer’s work. We manage vendors, work with investment managers, and find other companies to expand the pool

No filings, forms, audits, or notifications

Peppermint is responsible for signing & filing required forms including the 5500 and 8555-SSA, any audits, and all employee notifications

Traditional 401k

Higher costs and admin

Administrative costs are typically higher, and the employer is responsible for more administrative tasks 

More risk

The employer is the plan fiduciary and therefore assumes all risk

More tasks

The employer is responsible for plan set up, ongoing plan maintenance, investment selection, and working directly with vendors

Filings, forms, audits, and notifications

Employers are responsible for signing and filing all forms, initiating and funding applicable audits, and notifying employees

Tax Credits

Setting up a PEP may give you up to $15,000+ in tax credits over 3 years. Consult your tax advisor to determine credits* 


Run the Numbers

Use the peppermint calculator to determine costs and compare options

We know that peppermint might not be right for every business, which is why we’ve created this calculator. Our plan calculator will give you an idea of how your perfect retirement plan will affect your bottom line.

Choose from 3 contribution options:

Dollar for Dollar

Allows the employer and participants to maximize contributions.


    • Safe Harbor Option
    • Employer matches 100% on the first 4% of deferred compensation
    • Employee keeps 100% of investment if they leave the company at any time
    • Exempt from most annual compliance testing 
    • Optimizes your highly compensated employees’ personal retirement

Fixed 3%

Assures that all employees receive retirement benefits.


    • Safe Harbor Option
    • Employers put in 3% of employee's compensation, even if the employee does not contribute
    • Employee keeps 100% of investment if they leave the company at any time
    • Exempt from most annual compliance testing 
    • Optimizes your highly compensated employees’ personal retirement 


Gives the employer the ability to adjust contributions as business needs change.


    • Non-Safe Harbor Option
    • Employer has more flexibility and can contribute as little or as much as they would like
    • Employer may withhold a percentage of the employee’s earnings based on time of service at departure
    • This plan requires testing and evaluation which cost an additional $1000 annually
    • Employer directed

Not sure which plan is right for you? CLICK HERE to access our guide.

Tell your boss about peppermint

Would you like to have a retirement plan at your company or organization? Not sure how to get started? Just click below to download our summary PDF flyer. You can print or email it to anyone so that they can learn about peppermint. Share it with your boss, colleague, or HR professional so you can start saving  today!

It’s Our Focus

Peppermint isn’t a big bank or financial company, and we don’t have 100s of plans or options for you to consider. We do one thing and do it well.

Our Partners

Peppermint works with some of the most trusted names in retirement planning. We picked these partners because their values and focus match our own.

Retain and reward your employees with an affordable retirement plan

Launch your retirement program for just a one time fee of $750 and less than $3 per day.