Is your current 401k plan hurting your bottom-line?

Is your current 401k plan hurting your bottom-line?

Financial wellness reduces employee stress, improves overall mental and physical health and increases productivity… all of which help both your business and your employees thrive.

Financial wellness reduces employee stress, improves overall mental and physical health and increases productivity… all of which help both your business and your employees thrive.

Why you should switch to a Peppermint® retirement plan:

Why you should switch to a Peppermint® retirement plan:

  • PEP fees are almost always less than a 401k or MEP
  • Only a $750 one time initial setup fee
  • $1,008 annual provider administration fee
  • Investments have a lower net expense ratios
  • Traditional 401ks may all-in fees of 1.2% to 3.64% for fees and expenses on 0-10M Assets Under Management (AUM)
  • No audit costs for participating companies (for example an audit of a 180 person company could cost more than $15K)
  • Tax incentives for PEP participation

  • Peppermint® offers a better line-up of diversified and low-cost mutual funds – click here to see our funds
  • We craft our risk-based investment models using mean variance optimization
  • No expensive, underperforming funds which give fees to the investment advisor
  • We offer ongoing, holistic financial wellness support – click here to learn more

  • As the Pooled Plan Provider, along with our partners, Peppermint acts as the administrator & record keeper, 3(16) fiduciary, 3(38) investment advisory and custodial and trust services.
  • We handle things like annual testing, hardship distributions, employee communications, and more – to learn more about roles and responsibilities click here.

  • PEP fees are almost always less than a 401k or MEP
  • Only a $750 one time initial setup fee
  • $1,008 annual provider administration fee
  • Investments have a lower net expense ratios
  • Traditional 401ks may all-in fees of 1.2% to 3.64% for fees and expenses on 0-10M Assets Under Management (AUM)
  • No audit costs for participating companies (for example an audit of a 180 person company could cost more than $15K)
  • Tax incentives for PEP participation

  • Peppermint® offers a better line-up of diversified and low-cost mutual funds – click here to see our funds
  • We craft our risk-based investment models using mean variance optimization
  • No expensive, underperforming funds which give fees to the investment advisor
  • We offer ongoing, holistic financial wellness support – click here to learn more

  • As the Pooled Plan Provider, along with our partners, Peppermint acts as the administrator & record keeper, 3(16) fiduciary, 3(38) investment advisory and custodial and trust services.
  • We handle things like annual testing, hardship distributions, employee communications, and more – to learn more about roles and responsibilities click here.

Why don’t companies
switch retirement plans?

Why don’t companies
switch retirement plans?

They think it’s going to be hard and time consuming.

Actually, it’s pretty easy. We’ll help you every step of the way. You’ll have some docs to sign, a letter to send (we’ll give you the template), and a couple of hours of work spread over the regulatory 8 week transition period.

They don’t realize how much their plan is costing the company.

Many providers hide fees and charges in fund-level net expense ratios, Peppermint® doesn’t.

They are worried about rolling over assets under management.

We make this easy and can help you transition funds from a variety of sources (401k, MEP, IRA) easily and securely.

They have a personal relationship with the plan advisor.

We love personal relationships with our partner companies, but we won’t charge you for them.

Are you currently in a Multi-Employer Plan (MEP)?
We’ve got you covered.

Are you currently in a Multi-Employer Plan (MEP)?
We’ve got you covered.

PEPS are better than MEPs… no bad apples, no industry affiliations. Contact us to learn more.

Discover the power of a Peppermint® pooled employer plan.

Discover the power of a Peppermint® pooled employer plan.

Lower fees and less administration

Customizable discretionary plans

Risk-free safe harbor plans

No audit fees

Industry-standard investment funds

Works for any employer, any size group, and any employee

Ongoing financial wellness support

Dedicated customer support

Our white glove transition
team makes switching to
Peppermint® easy.

Our white glove transition
team makes switching to
Peppermint® easy.

Launch your own Peppermint® retirement program today.