National Federation of Independent Business
EBSARulemakingEBSA-2025-0069

Pooled Employer Plans: Big Plans for Small Businesses

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Nov 17, 2025
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National Federation of Independent Business filed 1 comment on this docket between Nov 17, 2025 and Nov 17, 2025. 0 other organizations filed here. The comment window closed 302d ago.

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Nov 17, 2025· 1210-AC10 comment 0017 National Federation of Independent Business, Inc. 09292025· EBSA-2025-0069-0018

National Federation of Independent Business (NFIB) comment letter of September 29, 2025, in response to Department of Labor Employee Benefits Security Administration notice titled "Pooled Employer Plans: Big Plans for Small Businesses," RIN 1210-AC10, 90 Fed. Reg. 35646 (July 29, 2025), is attached.

Abstract

This document contains limited interpretive guidance to help small employers select high-quality, low-cost ‘‘pooled employer plans’’ or ‘‘PEPs.’’ This document also solicits information about prevailing pooled employer plan market practices. The Department will consider the responses as part of a process aimed at developing a potential regulatory safe harbor or safe harbors that comprehensively encourage market participants to offer and employers to join such plans. These efforts, taken pursuant to President Trump’s January 20, 2025, Memorandum titled ‘‘Delivering Emergency Price Relief for American Families and Defeating the Cost-ofLiving Crisis,’’ are designed to reduce investment costs for workers saving for their retirement, thereby improving their lives. These efforts also will help small employers provide more attractive benefits to potential hires, drawing discouraged workers into the labor force.

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