Illustration of pooled employer plan PEP 401k vs state auto-IRA mandate — small employer retirement compliance and fiduciary delegation
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Pooled Employer Plan vs State Auto-IRA: PEP 401(k) Guide for Small Employers

BySW Accounting admin

How does a Pooled Employer Plan (PEP) compare to a state-mandated auto-IRA? A Pooled Employer Plan is a multi-employer 401(k) structure that satisfies state retirement mandates while offering meaningful advantages over state-sponsored auto-IRAs: $24,500 contribution limit (vs. $7,500 IRA), employer matching, institutional-quality investments, and fiduciary shift to the Pooled Plan Provider. For most small employers,…

Calsavers vs 401k featured
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CalSavers vs 401k: Which Is Right for Your California Business?

BySW Accounting admin

Should California businesses choose CalSavers or a 401(k)? If you have 5 or more employees in California and don’t already offer a qualified retirement plan, you must participate. The CalSavers vs 401k decision comes down to this: CalSavers meets the legal requirement with minimal effort, but a 401(k) delivers dramatically more value for your employees…