National Retirement System

 
The National Charter School Retirement System is a forthcoming family of pooled employer plans with innovative retirement offerings that are purpose-built to serve the charter sector and their employees.
 
 
Launching in 2026, the NCSRS will allow charter school employers to move their existing 401(k) and 403(b) plans into a pooled plan with other charter school organizations, leveraging economies of scale to shrink fees and eliminate almost all regulatory compliance requirements for charter school employers. 
 
Learn More: What is a Pooled Employer Plan?

Pooled Retirement Plans Built for Charter Schools

The flagship NCSRS plan design will offer participants a low-cost way to have a portion of their retirement savings get shifted overtime into guaranteed retirement income — kind of like a pension but without any liabilities for the employer.

Participants also will have access to traditional target-date funds and mutual fund line ups if they prefer.

Equable Institute is building a charter-sector focused corporation to operate the NCSRS with a fiduciary duty to serve operators and participants. 

We are building the NCSRS to also provide best in class holistic financial wellness and retirement literacy content, alongside tailored retirement plan advice that leverages data from across a participant’s digitized financial assets, including from their family.

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Get in touch to learn how you could be among the first employers to adopt this pooled employer plan concept when we go live in 2026.