{
  "slug": "basiccapital",
  "name": "Basiccapital",
  "description": "Basic Capital offers 401(k) plans with flexible investment options, automated compliance, and engagement tools, positioned as a new gold standard for next-generation companies.",
  "url": "https://optimly.ai/brand/basiccapital",
  "websiteUrl": "https://basiccapital.com/",
  "logoUrl": "https://logo.clearbit.com/basiccapital.com",
  "baiScore": 47.5,
  "bai_tier_status": "active",
  "bai_score_status": "active",
  "archetype": null,
  "archetype_status": "active",
  "category": "401(k) Retirement Plan Providers",
  "categorySlug": null,
  "keyFacts": [],
  "aiReadiness": [],
  "competitors": [],
  "competitorsProse": null,
  "inboundCompetitors": [],
  "aiAlternatives": [],
  "parentBrand": null,
  "subBrands": [],
  "updatedAt": "2026-09-19T07:17:29.502Z",
  "verifiedVitals": {
    "website": "https://basiccapital.com",
    "category": "Retirement Planning / 401(k) Provider",
    "what_it_does": "Basic Capital offers a technology-driven retirement platform that helps companies provide modern, flexible 401(k) experiences. It provides flexible investment options, compliance support, and engagement tools. A key differentiator is its 'investment financing' or 'Retirement Mortgage' feature, which allows participants to leverage their 401(k) accounts by lending them $4 for every $1 contributed, to increase investing power earlier in their career. They also offer recordkeeping and investment advisory services.",
    "primary_audience": "The primary audience is 'next-generation companies', specifically employers such as 'startups, scaleups, enterprises, roll ups'. It also targets 'financial advisors' and 'PEOs' (Professional Employer Organizations).",
    "core_product": "A 401(k) retirement savings platform that includes Safe Harbor 401(k), Traditional 401(k), and Pooled Plans. Key features include Active Compliance, an AI Plan Assistant, a Brokerage Window, Mega Backdoor Roth options, and a unique investment financing mechanism called 'The Retirement Mortgage'.",
    "pricing_model": {
      "kind": "custom",
      "detail": "The pricing model is a combination of subscription and usage-based fees. Plans are charged $5 per employee, as well as a management fee of 0.25% of plan assets. An additional 0.5% fund management fee and 5% of the gains on withdrawal apply for those who use their product. For self-directed IRAs, there is a 0.5% fee and 5% of gains, as well as $25 a month. Basic Capital emphasizes transparent and flexible pricing."
    },
    "parent_ownership": "Basic Capital Group, Inc. is the parent company, with subsidiaries Basic Capital Recordkeeping Services LLC and Basic Capital Advisors LLC. The company is privately held and venture capital-backed.",
    "named_competitors": [
      "Dezerv",
      "Nuvama",
      "Farther"
    ]
  },
  "intentTags": null,
  "businessProfileClaims": [],
  "timestamp": 1789994041644
}