A simplified retirement plan solution that delivers.
Smith Bruer United is a full-service pooled employer plan (PEP) built to streamline retirement plan administration and lower costs for businesses. Designed with a focus on regulatory compliance, operational efficiency, and participant outcomes, it empowers employers to deliver competitive 401(k) benefits so you can focus on driving your business forward.
What Is a Pooled Employer Plan (PEP)?
Simplified Administration. Institutional Expertise. Fiduciary Oversight.
A pooled employer plan enables employers to outsource retirement plan management to a pooled plan provider. It delivers:
- Professional fiduciary oversight and management.
- Optimized plan operations.
- Built-in cost savings.
- Access to low-cost, globally diversified investments.
Our Retirement Solution
Smith Bruer United enables businesses to join together under a single retirement plan structure. By pooling plan assets, employers can reduce administrative complexity, transfer fiduciary responsibility, and provide participants with access to low-cost, institutionally managed investments and fiduciary financial advice.
Benefits of Smith Bruer United:
- Outsourced plan administration and compliance oversight.
- Reduced fiduciary liability for plan sponsors.
- Professional investment management.
- Access to globally diversified, low-cost investments.
- Economies of scale for competitive pricing and operational efficiency.
Designed for businesses that want the power of a large-plan retirement solution, without the associated administrative burdens and responsibilities.
Why Choose Smith Bruer United?
Smith Bruer United offers a streamlined retirement plan solution built to eliminate the administrative complexity and regulatory risk of managing a 401(k). Leveraging our pooled employer plan (PEP) structure, we help reduce fiduciary liability and control costs—while delivering an enhanced retirement experience for plan participants.
Fiduciary Management and Oversight
As both a 3(38) investment manager and administrative fiduciary, Smith Bruer United assumes responsibility for plan operations—from audits and compliance, to investment selection and ongoing management. The result: minimized liability and a significantly reduced administrative burden for your organization.
Integrated Cost Efficiency
Our pooled structure is built to grow as more employers join. From day one, each participating business benefits from shared efficiencies—including reduced administrative expenses and the immediate elimination of standalone audit requirements—all while upholding a consistently high standard of service and regulatory compliance.
Participant-Focused Advisor Services
We go beyond plan design. Our financial advisors work directly with participants to help them understand their retirement plan benefits, navigate investment options, and make informed decisions with confidence—empowering them to build a more secure financial future.
Let’s Simplify Retirement Plans—Together
Whether you’re a growing company looking to optimize retirement plan administration or an established business seeking a higher standard of fiduciary management and oversight, Smith Bruer United is your dedicated partner in delivering retirement solutions with clarity and confidence.
From our offices in Tallahassee, Florida, and Colorado Springs, Colorado, we proudly serve businesses nationwide that value clarity, confidence, and compliance in their retirement plan offering.
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