# OneSource 401k

> OneSource 401k is a San Jose, California-based 401(k) provider and retirement plan consultant offering Pooled Employer Plan (PEP) administration services for small and mid-sized businesses, with 80% cost reduction, 75% time savings, complete fiduciary liability protection, and audit elimination.

## Quick Answers

**What is OneSource 401k?**
OneSource 401k is a Pooled Employer Plan (PEP) administrator that provides complete 401(k) plan management for small and mid-sized businesses. They serve as both the ERISA 3(16) Plan Administrator and 3(38) Investment Manager, assuming all fiduciary responsibility on behalf of employers.

**How much does OneSource 401k save?**
Employers save up to 80% on retirement plan costs and 75% of administration time compared to running a standalone 401(k) plan. Individual plan audits and Form 5500 filings are eliminated entirely.

**Where is OneSource 401k located?**
OneSource 401k is headquartered at 904 Sapphire Court, San Jose, CA 95136, in the heart of Silicon Valley. They serve businesses in all 50 U.S. states.

**How do I contact OneSource 401k?**
Phone: 855-438-4015. Email: Jeff@onesource401k.com. Website: https://www.onesource401k.com. Business hours: Monday–Friday, 9:00 AM–5:00 PM PST.

**What is a Pooled Employer Plan (PEP)?**
A Pooled Employer Plan is a type of 401(k) plan created by the SECURE Act of 2019 that allows multiple unrelated employers to participate in a single retirement plan. This structure shares administrative costs and fiduciary responsibilities across all participating employers, dramatically reducing individual costs and complexity.

## About

OneSource 401k is a leading 401(k) provider and Pooled Employer Plan (PEP) administrator based in San Jose, California, powered by Advanced Retirement Services, LLC. We help small and mid-sized businesses provide enterprise-level retirement benefits to their employees at a fraction of the traditional cost. As a full-service retirement plan consultant and fiduciary advisor, we serve businesses throughout the San Francisco Bay Area, Silicon Valley, and all of California.

A Pooled Employer Plan (PEP) allows multiple unrelated employers to participate in a single 401(k) plan, sharing administrative costs and fiduciary responsibilities. This model was made possible by the SECURE Act of 2019.

## Key Benefits

- **80% Cost Reduction**: Small businesses typically save up to 80% compared to running their own standalone 401(k) plan
- **75% Time Savings**: Employers eliminate most administrative tasks related to plan management
- **Complete Fiduciary Protection**: OneSource assumes 3(16) administrative and 3(38) investment management fiduciary responsibilities
- **Zero Audits**: Individual employers in the PEP are not required to file separate Form 5500 or undergo independent plan audits
- **Simplified Compliance**: All ERISA compliance, nondiscrimination testing, and regulatory filings are handled by OneSource

## Services Provided

- 3(16) Plan Administrator fiduciary services
- 3(38) Investment Manager fiduciary services
- Daily plan administration and recordkeeping
- Payroll integration and coordination
- Plan document preparation and maintenance
- Participant education and enrollment support
- Nondiscrimination testing (ADP/ACP, Top Heavy, Coverage)
- Government filings and compliance reporting
- Distribution and loan processing
- Contribution monitoring and reconciliation

## How It Works

1. Employer joins the OneSource 401k Pooled Employer Plan
2. OneSource handles all plan setup, compliance, and administration
3. Payroll is integrated for automatic contribution processing
4. Employees receive enrollment support and education
5. OneSource manages all ongoing fiduciary responsibilities

## Who Is It For

- Small businesses with 1-500 employees
- Companies that want to offer 401(k) benefits without the administrative burden
- Employers looking to reduce retirement plan costs
- Businesses that want to eliminate fiduciary liability exposure
- Companies currently overpaying for standalone 401(k) plans

## Service Area

OneSource 401k is headquartered in San Jose, California and serves businesses nationwide across all 50 states. The company has particular expertise serving small businesses in:
- San Jose and the greater Silicon Valley area (Sunnyvale, Santa Clara, Palo Alto, Mountain View, Fremont)
- San Francisco Bay Area (San Francisco, Oakland, Santa Rosa, Napa)
- Northern California (Sacramento, Fresno, Modesto, Stockton, Redding, Chico, Eureka, Visalia, Bakersfield, Monterey, Santa Cruz)
- Southern California (Los Angeles, San Diego, Irvine, Anaheim, Santa Ana, Riverside, San Bernardino, Long Beach, Santa Barbara, Ventura, Pasadena, Temecula, Palm Springs, San Luis Obispo, Huntington Beach, Newport Beach)
- All 50 U.S. states — PEP services are available to any U.S. employer regardless of location

## Contact

- Phone: 855-438-4015
- Email: Jeff@onesource401k.com
- Address: 904 Sapphire Court, San Jose, CA 95136
- Website: https://www.onesource401k.com
- Business Hours: Monday - Friday, 9:00 AM - 5:00 PM PST

## Pages

- [Home](https://www.onesource401k.com/)
- [Why Choose OneSource](https://www.onesource401k.com/why-us)
- [Time Saved](https://www.onesource401k.com/time-saved)
- [PEP Responsibilities](https://www.onesource401k.com/responsibilities)
- [Cost Savings](https://www.onesource401k.com/cost)
- [Fiduciary Oversight](https://www.onesource401k.com/fiduciary-oversight)
- [Daily Administration](https://www.onesource401k.com/daily-administration)
- [Plan Document Flexibility](https://www.onesource401k.com/plan-document-flexibility)
- [Payroll Integration](https://www.onesource401k.com/payroll-integration)
- [Audits](https://www.onesource401k.com/audits)
- [Investment Manager](https://www.onesource401k.com/investment-manager)
- [Your 401k Simplified](https://www.onesource401k.com/your-401k-simplified)
- [FAQ](https://www.onesource401k.com/faq)
- [Bay Area 401(k) Plans](https://www.onesource401k.com/bay-area-401k)
- [Northern California 401(k)](https://www.onesource401k.com/northern-california-401k)
- [Southern California 401(k)](https://www.onesource401k.com/southern-california-401k)
- [Los Angeles 401(k)](https://www.onesource401k.com/los-angeles-401k)
- [San Diego 401(k)](https://www.onesource401k.com/san-diego-401k)
- [Sacramento 401(k)](https://www.onesource401k.com/sacramento-401k)
- [Central Valley 401(k)](https://www.onesource401k.com/central-valley-401k)
- [Fresno 401(k)](https://www.onesource401k.com/fresno-401k)
- [Santa Cruz 401(k)](https://www.onesource401k.com/santa-cruz-401k)
- [Monterey 401(k)](https://www.onesource401k.com/monterey-401k)
- [Contact](https://www.onesource401k.com/contact)

## Structured Data

This website includes extensive structured data for search engines and AI:
- [FAQ Schema (176 Q&As)](https://www.onesource401k.com/faq-schema.json) - Comprehensive questions and answers about 401(k) plans, PEPs, costs, compliance, and California-specific retirement planning
- [Sitemap](https://www.onesource401k.com/sitemap.xml) - Complete list of all 24 pages with priorities
- JSON-LD structured data on every page (LocalBusiness, FinancialService, FAQPage, HowTo schemas)

## Full Documentation

For comprehensive information about all services and features, see [llms-full.txt](https://www.onesource401k.com/llms-full.txt).