Pooled Plan

Shared 401(k) plans at scale, without the complexity.

Basic Capital offers MEP, PEP, and PPP streamlining management across plans: consolidating administration, fiduciary responsibility, and cost under one roof.

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Why PEOs and advisors choose us?

A better client offering

Give clients an institutional-grade 401(k) they couldn't build alone.

Fiduciary support

We serve as the 3(16) administrative fiduciary and, optionally, the 3(38) investment fiduciary, or keep the 3(38) role and the investment relationship.

Lower costs for every client

Cost-sharing across employers drives down investment, plan-document, audit, and admin fees clients couldn't reach alone.

One relationship with simplified compliance

A single plan to administer, monitor, and report on across your book. One Form 5500 for MEPs, PEPs, and GOPs, plus combined tests and audits for MEPs and PEPs.

Built to scale

Onboard and manage multiple employers under one plan, without multiplying the admin.

Streamlined audit

Annual audit happens at the pooled plan level, potentially mitigating costly refunds and penalties.

A better client offering

Give clients an institutional-grade 401(k) they couldn't build alone.

Lower costs for every client

Cost-sharing across employers drives down investment, plan-document, audit, and admin fees clients couldn't reach alone.

Built to scale

Onboard and manage multiple employers under one plan, without multiplying the admin.

Fiduciary support

We serve as the 3(16) administrative fiduciary and, optionally, the 3(38) investment fiduciary, or keep the 3(38) role and the investment relationship.

One relationship with simplified compliance

A single plan to administer, monitor, and report on across your book. One Form 5500 for MEPs, PEPs, and GOPs, plus combined tests and audits for MEPs and PEPs.

Streamlined audit

Annual audit happens at the pooled plan level, potentially mitigating costly refunds and penalties.

Lightning-fast support, delivered by real humans

Our retirement specialists and customer support team offer white glove support; solving 80% of issues in less than 24 hours.

Effortless plan migration

We move existing plans in end to end — assets, payroll, participant data, blackout coordination. No dropped contributions, no downtime.

Customer education

Proactive in person onboarding and resources for employers and employees, answers before questions become tickets.

Contribution updates

Employees can adjust deferrals, add catch-ups, or update investments in a few click and we process every change fast. No paperwork, no lag.

Plan design questions

Eligibility, match, vesting, safe harbor, auto-enrollment — our specialists help you design it right and build it. No guesswork.

Dedicated support specialist

One person who knows your client's plan inside out. Not a rotating queue.

"The whole transition was honestly so easy. Basic Capital replies in minutes every time. It was a complete white-glove service.”

Dylan Gochie

Founder, TextQL

"The whole transition was honestly so easy. Basic Capital replies in minutes every time. It was a complete white-glove service.”

Dylan Gochie

Founder, TextQL

"The whole transition was honestly so easy. Basic Capital replies in minutes every time. It was a complete white-glove service.”

Dylan Gochie

Founder, TextQL

Learn more about Pooled Plans

ERISA Fiduciary Duty Explained for HR Leaders and Plan Sponsors

Understanding ERISA fiduciary duty helps HR leaders and plan sponsors make informed retirement plan decisions, strengthen governance, and fulfill their responsibilities while acting in the best interests of employees.

How to Avoid Common ADP/ACP Test Failures and What Happens If You Do

Understanding why ADP and ACP tests fail and monitoring participation throughout the year—can help employers reduce compliance risk, avoid costly corrections, and keep their 401(k) plan running smoothly.

401(k) Compliance for Small Businesses: The Complete Nondiscrimination Testing Guide

Understanding 401(k) nondiscrimination testing helps small businesses maintain compliance, reduce corrective actions, and build retirement plans that benefit employees fairly while supporting long-term plan success.