SAFE HARBOR 401(K)

The streamlined 401(k) plan for employers who offer a match

Skip annual compliance testing for good. Fund the required match, and let your whole team, founders included, max out their savings.

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What makes it Safe Harbor?

In exchange for a required employer contribution, the plan skips the compliance tests that trip up fast-growing teams.

Compliant by design

Meets IRS nondiscrimination requirements by design, so you skip ADP and ACP testing and the refunds that come with failing.

Two ways to fund it

A basic match (100% of the first 3% of pay, then 50% of the next 2%) or a 3% nonelective contribution to every eligible employee

Always vested

Safe Harbor employer contributions are 100% vested the moment they land.

Automated notices

Required participant notices go out automatically, 30–90 days before each plan year.

Payroll-tied match

Direct payroll integration cuts calculation errors and late deposits.

Payroll

Basic Capital

Why teams choose it?

Auto pass compliance

Safe Harbor clears ADP, ACP, and top-heavy testing automatically.

Tax-advantaged

Employer contributions are deductible, and SECURE 2.0 credits can offset your setup costs in the early years.

Admin work handled

We handle the admin, compliance testing, and 5500 filing, so you can focus on what is important for your team.

Save up to the full limit

HCEs and founders save up to the IRS max.

Standard deferral

$24,500 limit

After-tax contrbutions

$72,500 limit

Competitive match

Basic match, enhanced match, or 3% nonelective, based on your budget. Match 3–4% to stay safe-harbor and offer a competitive benefit.

Immediate vesting

100% vesting on Safe Harbor contributions.

Auto pass compliance

Safe Harbor clears ADP, ACP, and top-heavy testing automatically.

Admin work handled

We handle the admin, compliance testing, and 5500 filing, so you can focus on what is important for your team.

Competitive match

Basic match, enhanced match, or 3% nonelective, based on your budget. Match 3–4% to stay safe-harbor and offer a competitive benefit.

Tax-advantaged

Employer contributions are deductible, and SECURE 2.0 credits can offset your setup costs in the early years.

Save up to the full limit

HCEs and founders save up to the IRS max.

Standard deferral

$24,500 limit

After-tax contrbutions

$72,500 limit

Immediate vesting

100% vesting on Safe Harbor contributions.

Built for ambitious teams, serious about building wealth.

For founders and HCEs

Safe Harbor removes the testing ceiling that caps high earners who want to max out.

No year-end surprises

Known contribution rules keep budgeting simple—no waiting on test results.

Compliant by design

You agree to fund the plan each year. For teams that want to save aggressively, that predictability is a feature, not a cost.

"Basic Capital is absolutely incredible. They are faster, easier to work with. They’ve redefined the industry."

Full Name

Role, Company

"Basic Capital is absolutely incredible. They are faster, easier to work with. They’ve redefined the industry."

Full Name

Role, Company

"Basic Capital is absolutely incredible. They are faster, easier to work with. They’ve redefined the industry."

Full Name

Role, Company

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