The 401(k) for the world's most innovative companies

A special offer for friends of Basic Capital, exclusively available to portfolio companies of:

50% off employer fees for 2 years

Get a better 401(k) with white-glove onboarding and employee education

50% off employer fees for 2 years

Get a better 401(k) with white-glove onboarding and employee education

50% off employer fees for 2 years

Get a better 401(k) with white-glove onboarding and employee education

Offer a better 401(k) today

Your team is scaling. Your tools should too. Basic Capital brings modern 401(k) infrastructure to venture-backed companies, with automated HR admin, real-time compliance monitoring, and more investment choice than any legacy provider, including crypto and individual stocks. Portfolio companies get preferred pricing, and a retirement benefit worth bragging about.

Basic Capital is world's most flexible retirement benefit

Basic Capital is the modern 401(k) platform that gives your team control over their investments, clear education, and real ownership.

Help your team understand your 401(k)

Switch to the platform that makes it easier to understand how retirement savings work and why it’s important

Improve participation across employee levels

Companies that use Basic Capital see a 1.5-2x increase in plan participation

Give your team more investing power

Offer the only kind of 401(k) where your team has the option to get financing in their account

Help your team understand your 401(k)

Switch to the platform that makes it easier to understand how retirement savings work and why it’s important

Improve participation across employee levels

Companies that use Basic Capital see a 1.5-2x increase in plan participation

Give your team more investing power

Offer the only kind of 401(k) where your team has the option to get financing in their account

Help your team understand your 401(k)

Switch to the platform that makes it easier to understand how retirement savings work and why it’s important

Improve participation across employee levels

Companies that use Basic Capital see a 1.5-2x increase in plan participation

Give your team more investing power

Offer the only kind of 401(k) where your team has the option to get financing in their account

No more patchwork of vendors to manage

Basic Capital is a fully-bundled solution that saves you time and money.

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Recordkeeping

Investment menu with more than 6,000 fund options from managers you know and trust.

Recordkeeping

Investment menu with more than 6,000 fund options from managers you know and trust.

Third-party Administration & 3(16)

Outsource plan administration to experts who handle compliance, reporting, and regulatory requirements.

Third-party Administration & 3(16)

Outsource plan administration to experts who handle compliance, reporting, and regulatory requirements.

200 payroll integrations

Connect seamlessly with your existing payroll system—no manual data entry, no disruption to your workflow.

200 payroll integrations

Connect seamlessly with your existing payroll system—no manual data entry, no disruption to your workflow.

200 payroll integrations

Connect seamlessly with your existing payroll system—no manual data entry, no disruption to your workflow.

Optional 3(21) or 3(38) Plan Advisory

Add an extra layer of oversight with investment advisory services tailored to your plan.

Optional 3(21) or 3(38) Plan Advisory

Add an extra layer of oversight with investment advisory services tailored to your plan.

Great businesses are built by investing in people

Companies that switch to Basic Capital see results

2-3x

Increase in employee participation

1.5x

Average increase in contribution rates

+50%

Projected retirement balance*

*Assuming 30% allocation to the Retirement Mortgage

This isn't your standard 401(k).

Meet the 401(k) that actually gets your team retirement ready.

Get started

This isn't your standard 401(k).

Meet the 401(k) that actually gets your team retirement ready.

Get started

This isn't your standard 401(k).

Meet the 401(k) that actually gets your team retirement ready.

Get started

Case studies

Companies across industries are changing the way they 401(k).

Fragment Wanted a 401(k) Built by Market Experts

When the infrastructure builders needed infrastructure for themselves, they looked for a partner with the same depth of understanding.

Read case study

How Footprint gave their employees more flexibility

Footprint wanted a retirement plan their team would actually use and care about. They needed something that went beyond the basics and actually engaged employees in saving for retirement.

Read case study

How Service Professionals doubled their 401(k) participation rate

From 3-fold growth in participation to a new way to recruit and retain talent, we share more about how we're helping Service Professionals hit their goals.

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Ideal Fulfillment Sets Up Workers for Success With Retirement Benefits

Retirement wasn’t resonating—until Ideal Fulfillment found a better fit. Here's how we’re helping their team think long-term.

Read case study

FAQ

Everything you need to know about Basic Capital

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What is the Basic Capital 401(k)?

How does Basic Capital give my employees more investing power?

Is Basic Capital right for my business?

What happens when an employee leaves or is terminated?

Do you service hardship loans?

Is this ERISA compliant?

What does the migration process like?

Does Basic Capital integrate with my payroll provider?

Can I maintain my existing 3(38) investment advisor?

Can Basic Capital integrate with Rippling?