Fiduciary Xchange
Plan Administrator – Fiduciary Xchange
Serving as the Pooled Plan Provider (PPP) and primary fiduciary to ensure compliance and outcomes.
The 401(k) That Can Be
Your Solution.
Bigger benefits, better value, and no constraints. We've designed a plan with one fundamental mission – to help your employees feel confident in their journey to retirement.
Bigger Benefits. Better Value. No Constraints.
With Apex PEP, your plan gets stronger—lower fees, more investment choices, and less liability.
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Less Liability
Transfer key fiduciary responsibilities to reduce business risk.
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Less Work
We handle plan administration from enrollment to reporting.
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Superior Investment Menu
Access top-tier funds through open-architecture platforms.
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Better Value
Pooled scale drives lower fees and greater efficiency.
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Flexible Plan Design
Customize eligibility, contributions, and vesting schedules.
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Service + Technology
Modern participant experience with integrated tech support.
How It Works
Just 3 Steps
01
Plan Design Consultation
Our experts review your structure and guide you through compliance.
02
Setup & Communication
We implement your plan and prepare onboarding communications.
03
Transfer & Ongoing Support
We handle transitions, compliance, and ongoing engagement.
Our Experts
A Team of 401(k) Specialists Working For You
Open Architecture
Open-Architecture Investment Platform
Broad access to leading fund families—built for transparency and cost control.
Ops & Tech
Operations & Technology
Modern participant UX, payroll integrations, and analytics that simplify plan management.
Resources & FAQ
Explore Our Plan in More Detail
What is a Pooled Employer Plan (PEP)?
A PEP lets multiple employers join one plan to reduce risk, administration, and cost while improving benefits.
How much does it cost?
Typically lower than standalone plans. Pricing is transparent; exact costs depend on plan size and features.
Can I still customize my plan?
Yes—eligibility timing, contributions, vesting, and more remain flexible under the PEP structure.
Who manages the investments?
An investment committee leverages open-architecture access to select and monitor funds.
How quickly can we start?
Most employers launch within 30–45 days after completing the adoption agreement.
Do I still need to file Form 5500?
5500 reporting occurs at the PEP level—significantly reducing your administrative workload.
Let’s Talk
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