Basic Capital

Introducing the 401(k)+

Better benefits, same cost

Upsize your 401(k) match offer without increasing overhead.

For CHROs

Increase your 401(k) match without additional cost

Single digit matching has become table stakes for talent. Rise above the rest without losing control of costs.

  • Go to 20% match with no additional costs

    Any matching is generous. We’ll help you make it insanely so (with zero incremental costs to you).

  • More cost effective from day 1

    Each dollar goes further with term financing, so you can increase the offer while saving money.

  • A better experience for lean benefits teams

    A more modern technology stack, better reporting tools, and customized vesting.

How it works

Financing to boost your existing match

Basic Capital is the first company ever to provide $4 in term financing for every $1 in contribution matches you make. This term financing is non‑recourse to you and your employees, and is completely self‑funding (requires no ongoing payments from you or your employees).

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For CFOs

Control costs without losing the talent war

Basic Capital multiplies your employees’ capital base. You can decrease your total program cost while dramatically increasing the base on which your employees retirement savings compound.

  • Reduce total program costs

    Reduce administrative and matching costs while increasing employee retirement funds.

  • Increase total compensation

    Offer more attractive hiring packages without increasing overhead.

  • Give access to new tools

    Offer your employees access to a wealth creation tools usually preserved for the C suite.

Potential impact

Up to 80% cost savings

With Basic Capital you can offer the same match with up to 80% cost savings (based on the ability to get $4 for every $1 in matching contributions you offer).

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How it works for employees

  • Gains
    Financing
    Down payment

    Participants start with a contribution (all employee, matched, or all employer)

  • Gains
    Financing

    4X

    Down payment

    Our platform provides supplemental capital through term financing

  • Gains
    Financing
    Down payment

    Participants earn returns on the larger capital base

  • Gains
    Financing
    Down payment

    The ownership structure protects participants from loss greater than their initial contribution

Request a demo

Learn more about the 401(k)+

Schedule a 30 minute demo to understand how Basic Capital can help you recruit the best talent and cut your existing 401(k) plan costs by up to 80%.

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