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
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.