For People Leaders
The AI-native 401(k)
built for modern companies
Give employees a benefit that feels modern and intuitive, while we handle the automation, responsive support, and seamless integrations, taking the admin off your plate.
Why people teams choose Basic Capital
Less admin, more impact: we handle compliance testing, filings, and participant notices. Track participation, savings patterns, and send targeted comms in a single click.
Proactive nudges, done for you: Vision AI, our Plan Assistant, drafts targeted comms to the employees who need them most.
Support at lightening speed: get answers in minutes, not days. We take care of the plan so you can focus on the work that matters.
Investment flexibility: unlock access to stocks, ETFs, and mutual funds and empower your team to build a diversified portfolio with portfolio tools and investing education.
Competitive by design: give your team a consumer-grade app, on iOS, Android, and web, with guidance built in to turn a tax-advantaged 401(k) into long-term growth.
Education for all your employees: in-app and live education sessions to build healthy savings habits and support the financial education for all your employees.
Near instant support from real humans
Operational excellence, delivered by a human team that responds fast and resolves faster.
day
minutes
%
SEP-IRA vs. SIMPLE IRA vs. 401(k): Which Is Right for Your Startup?
Understanding the differences between SEP-IRAs, SIMPLE IRAs, and 401(k) plans can help startups choose a retirement structure that aligns with company growth, employee needs, and long-term benefits strategy.
401(k) Vesting Schedules Explained: Cliff, Graded, and Immediate Options
Understanding 401(k) vesting schedules can help employers design retirement plans that balance employee retention, transparency, compliance, and long-term workforce goals.
Profit Sharing vs. 401(k) Match: Which Is Better for Your Company?
Understanding the differences between profit sharing and 401(k) matching can help employers choose a retirement contribution strategy that aligns with company goals, employee expectations, and long-term plan flexibility.