Know where you stand in real time
Real Time Compliance Testing
Continuous compliance monitoring in the background, with immediate remediation solutions, built to keep your 401(k) plan healthy.
50% of fast-growing plans fail their annual compliance testing.
Basic Capital's automation gets you ahead of issues, with AI agents flagging issues early and drafting the employee outreach that resolves them.
Quick answers, updated data
Use Vision AI to ask questions and get answers in real time based on your plan's data.
Clear plan insights
Live data translated into next steps, so you act before small gaps become problems.
Catch at-risk tests
Continuous ADP, ACP, and top-heavy monitoring flags a failing trend the moment it appears—not in January when it's too late.
Engage the right people automatically
We surface the enrolled-but-contributing-0% employees who move a test most, and draft the outreach to bring them in.
Remediate with campaigns, not refunds
Close the deferral gap and lift NHCE participation to resolve top-heavy risk, sparing leadership the painful year-end refunds.
ERISA Fiduciary Duty Explained for HR Leaders and Plan Sponsors
Understanding ERISA fiduciary duty helps HR leaders and plan sponsors make informed retirement plan decisions, strengthen governance, and fulfill their responsibilities while acting in the best interests of employees.
How to Avoid Common ADP/ACP Test Failures and What Happens If You Do
Understanding why ADP and ACP tests fail and monitoring participation throughout the year—can help employers reduce compliance risk, avoid costly corrections, and keep their 401(k) plan running smoothly.
401(k) Compliance for Small Businesses: The Complete Nondiscrimination Testing Guide
Understanding 401(k) nondiscrimination testing helps small businesses maintain compliance, reduce corrective actions, and build retirement plans that benefit employees fairly while supporting long-term plan success.