Secure Your
Team’s Future.

Secure Your
Team’s Future.

Simplify retirement starting at $1200/yr no matter how many employees you have with Peppermint® 401k.

$15,000+

In tax credits over 3 years*

Less than $4/day

For a Peppermint® plan

$750

One time start up fee

Welcome to a more affordable way to 401k.

Peppermint® isn’t a big bank or financial company, and we don’t have 100s of plans or options for you to consider. We do one thing and do it well.

Welcome to a more affordable way to 401k.

Peppermint® isn’t a big bank or financial company, and we don’t have 100s of plans or options for you to consider. We do one thing and do it well.

Apply Your Tax Credits

Setting up a PEP may give you up to $15,000 in tax credits over 3 years.*

Low Monthly Costs

Start your own retirement plan with a one-time set up fee of $750 and just $100 a month for any size group.

Use Our Calculator

We know that Peppermint® might not be right for every business, which is why we’ve created this calculator. Our plan calculator will give you an idea of how your perfect retirement plan will affect your bottom line.

We offer a wide array of fund options, so you get the most bang for your buck.

Peppermint® works with our financial management partner, Grey Fox Wealth, to offer better performing, lower cost, higher quality funds that exceed expectations.

Create your own
retirement account in:

1

Create an Account

Enroll with your business info, select your plan and schedule your welcome call.

2

Enroll in a Plan

We’ll set up your account, send you your documents for signature and request your employee census.

3

Sit Back and Let Us
Manage It for You

Online employee enrollments kick-off and plan goes LIVE with the first payroll contributions.

Sign up now for only $100 a month for any size group.

How does Peppermint® 
compare to a traditional 401k?

A Peppermint® retirement plan can work for almost any business, not just SMBs and start-ups. Our plans are designed to make it easy for any employer and offer several advantages over traditional 401ks.

Lower Employer Costs

By pooling multiple employers together, you can take advantage of group buying power, resulting in reduced fees, less paperwork, and streamlined maintenance.

Reduced Risk

Peppermint® serves as your fiduciary, minimizing your liability and ensuring compliance.

Effortless Launch

Peppermint® simplifies the process for employers by managing vendors, coordinating with investment managers, and identifying additional companies to join the pool.

Hassle-Free Compliance

Peppermint® handles all necessary filings, forms, audits, and employee notifications, including the 5500 and 8555-SSA, so you don’t have to.

Traditional 401ks

Higher Costs and Admin

Administrative costs are typically higher, and the employer is responsible for more administrative tasks.

More Risk

The employer is the plan fiduciary and therefore assumes all risk.

More Tasks

The employer is responsible for plan set up, ongoing plan maintenance, investment selection, and working directly with vendors.

Filings, Forms, Audits, and Notifications

Employers are responsible for signing and filing all forms, initiating and funding applicable audits, and notifications.

FAQ

Pooled Employer Plans allow small business owners to pool retirement resources with other employers and make retirement plans less
expensive and easier to manage.

Companies of any size can join a Pooled Employer Plan AND employers starting a new plan may be eligible for SECURE Act tax credits of up to $15,000 over three years.*

With Peppermint® as your plan sponsor, you can give your employees the retirement plan options they want without the cost, risk, and administrative burden of a traditional 401k. Improve employee satisfaction, retention, and recruitment while helping your team save for the future.

Plans
Options

Safe Harbor Option

Employer Match

Employee Investment

Compliance Testing

Optimizes Employee Retirement

QACA
Basic

Safe-Harbor Matching Plan

100% match up to the first 1% of wages, 50% match on the next 5%, maximum match equals 3.5% of total wages

Pre-tax Contributions, Post-tax (Roth) contributions

Automatic pass on most nondiscrimination tests

Yes

QACA
Enhanced

Safe Harbor Matching Plan

Must be as good as the basic formula but maximum match equals 6% of total wages

Pre-tax Contributions, Post-tax (Roth) contributions

Automatic pass on most nondiscrimination tests

Yes

Minimum
3% Plan

Safe Harbor Non-Elective

Employer contributes at least 3% of employee compensation, regardless if they contribute

Pre-tax Contributions, Post-tax (Roth) contributions

Automatic pass on most nondiscrimination tests

Yes

Discretionary
Plan

NON-Safe Harbor Option

Employer may contribute as little or as much as they would like within testing limits

Pre-tax Contributions, Post-tax (Roth) contributions

Subject to compliance testing

Yes

Our Providers

“Working with Peppermint 401k on our PEP plans has allowed us to offer top-tier benefits without the complexity. Their team’s support, user-friendly platform, and expertise in retirement planning, prioritization of funding and debt resolution, have made a dramatic difference in keeping our employees engaged and financially secure.”
Lucha Oceguera, Genius Avenue
“Working with Peppermint 401k on our PEP plans has allowed us to offer top-tier benefits without the complexity. Their team’s support, user-friendly platform, and expertise in retirement planning, prioritization of funding and debt resolution, have made a dramatic difference in keeping our employees engaged and financially secure.”
Lucha Oceguera, Genius Avenue

Our Clients Say It Best

We make 401k plans simple and affordable, so you can focus on running your business. Here’s how we’re helping teams stay engaged and financially secure.

*Consult your tax advisor to determine credits.

Less Risk

Than a traditional 401k

$15,000+

In tax credits over 3 years*