Systems and methods for pooling a plurality of telecommunication users into groups is disclosed. One method includes ranking the telecommunication users in an order based on a usage parameter. The usage parameter, for example, may be the average service usage time per billing period. Once ranked, the telecommunication users are pooled into at least two groups, each group comprising at least one telecommunication user within a range of ranks. The method may further include calculating estimated costs for the users to use cost-effective rate plans selected from a group of available rate plans and re-pooling the users into other possible combinations to determine the most cost-effective pooling combination and respective rate plans.