Bank-Owned Life Insurance (BOLI)

As organizations scale through acquisition, hiring, or expansion, retirement plan administration often becomes more demanding. What once felt routine can quickly require more coordination, more oversight, and more internal time than expected.

For many, the question isn’t whether to provide a retirement plan—it’s whether their current approach can keep pace with the demands of a growing business because as organizations expand, retirement administration often becomes increasingly complex and resource intensive. In these moments, Pooled Employer Plans (PEPs) are emerging more as viable options, offering a more coordinated way to manage complexity, streamline admin, and better position retirement programs for further expansion.

The scenarios below illustrate real-world PEP adoption examples and the moments that prompted employers to consider an alternative. While growth and organizational change are common catalysts, advisors are also seeing employers evaluate PEPs in response to administrative strain, fiduciary concerns, cost pressures, workforce objectives, and limited internal resources. Understanding these broader PEP adoption scenarios can help advisors recognize when a pooled plan conversation may be appropriate.

Pooled employer plans (PEP) are becoming harder to ignore.

What began as an alternative plan design is now drawing broader consideration, particularly among advisors working with future-focused organizations that face resource constraints. For these employers, PEPs can offer a different approach to plan administration and growth. This pooled employer plan trend also reflects changing expectations around efficiency, governance, and the role advisors play in helping clients evaluate plan structures.

At Ascensus, we’re harnessing the pooled plan momentum and started the PEP Rally to help advisors turn PEP adoption trends into high-energy and effective client conversations. Here, we’ll focus on how pooled employer plans are changing things—and what advisors should do with it. 

In retirement planning, timing is everything—but generic messaging rarely delivers. And while early AI usage in the industry focused on operational efficiency, it’s now shifting from output to outcomes by using participant behavior to power more personalized participant communications that determine what to say, when to say it, and who needs to hear it. The result: a tailored approach where advisors and plan sponsors deliver timely, targeted, and AI assisted messaging that drives more meaningful engagement and better reflects the individuals their plans serve.