TRADITIONAL 401(k)
The flexible 401(k) that scales with your team.
Full control over eligibility, vesting, match, profit sharing, mega backdoor Roth, & more, with real-time compliance testing built in. Employees get a diverse investment universe through the Self-Directed Brokerage Window.
Why employers value it
With a traditional 401(k), you do not need to offer a match while still providing investment flexibility for your plans
Consumer-grade design
A 401(k) portfolio UI experience that employees can easily use to invest, track progress and manage contributions, on iOS, Android, and Web.
Diverse Universe of Investments
Target-Date Funds and ETFs, or a wider universe of individual stocks through the Self-Directed Brokerage.
Mega Backdoor Roth
Contribute after-tax dollars, then convert to Roth—pushing your annual limit up to $72,000, maximized automatically.
Standard deferral
$24,500 limit
After-tax contrbutions
$72,500 limit
Why teams choose it
Basic Capital Pricing, Explained: What You Pay and What You Get
Understanding Basic Capital's pricing starts with looking beyond individual fees to evaluate the full value of retirement plan administration, compliance support, payroll integration, and employee experience.
How to Set Up a 401(k) for Your Startup: Step-by-Step from Day One
Setting up a 401(k) for your startup is easier than ever with modern retirement platforms, allowing founders to build a competitive benefits package through streamlined administration, payroll integration, and scalable plan design.
Why Most Startup 401(k) Plans Are Leaving Employee Wealth on the Table
Many startup 401(k) plans successfully help employees save for retirement, but increasing participation, engagement, financial education, and long-term investing habits can unlock even greater opportunities for wealth building.