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The defined contribution retirement plans known as Pooled Employer Plans (PEPs) came onto most people’s radar with the signing of the SECURE Act in late 2019. We should see them debut January 1, 2021. Despite their relative newness, they descend from a type of plan that’s been around a while — the multiple employer plan (MEP). That doesn’t mean there aren’t questions about PEPs. In fact, no one really knows the answers to these important ones: Will PEPs be successful? What will be the ideal number of employers in them? the right number of participants? Will they be better than the options small employers have now?

To get a sense of what’s in store with PEPs and what could change, it makes sense to dig into the ancestral MEPs and analyze them. That’s exactly what a paper by Morningstar senior analyst Lia Mitchell and head of policy research Aron Szapiro, author and contributor respectively, does. In the process, Mitchell and Szapiro have come up with some interesting recommendations about PEPs.

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C.J. Marwitz

C.J. Marwitz is the editor for the retirement industry audience and a digital managing editor at BenefitsPRO. She is currently considering pitches for unpublished contributed content related to the employer-sponsored retirement plan arena. A former technology editor, advertising copywriter, and academic advisor, Marwitz is the mother of three and walker/stick-thrower/treat-giver to an orange-and-white Welsh Corgi named Leeloo Dallas Multipass.

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