A nonprofit-run 401(k). Five Vanguard index funds. Nothing else to decide.
It feels like knowing the number. Knowing it's growing. Knowing it's protected. Knowing you didn't have to become a financial expert to get there.
AIPEP 401(k) is built around that feeling — for the hotel housekeeper, the restaurant manager, the startup engineer, the dental assistant. Everyone your business employs.
Here are the honest answers.
Nothing in employer fees. Participant costs come straight from the participant's account — the same way your payroll processor charges employees for direct deposit.
SECURE 2.0 tax credits can offset your startup costs for the first few years. Most employers come out ahead early on.
Nothing that's your problem. ThinkNirvana Foundation is your named fiduciary under ERISA.
We hold the investment liability. We file Form 5500. We send every required notice. You do payroll. We do the rest.
Seven days from signup to first contribution. Connect your payroll via payroll API integration — supporting 40+ providers including Gusto, ADP, Paychex, and Rippling.
Upload your employee census. Sign the adoption agreement. Done.
Most plan sponsors never see this breakdown. Here it is.
Our pricing
Join the waitlist to be notified when we publish our fee structure.
Join the waitlist →Our fee comparison calculator will be available when pricing is announced. Join the waitlist to be notified.
Join the waitlist →No managed accounts. No annuities. No revenue sharing. No advisor selecting funds for their own compensation. The cheapest, most diversified funds on the planet — monitored quarterly by AI.
These aren't incremental improvements. They're built into the legal architecture of the PEP model.
Instead of every small business filing an independent annual audit to the Department of Labor, a PEP consolidates all participating companies under a single master plan. We prepare, execute, and file the master report. Your compliance burden: zero.
Third-party administrators charge recurring fees to do what our AI engine does automatically: nondiscrimination testing, eligibility tracking, vesting calculations, distribution processing, participant communications, and compliance monitoring. We pass those savings directly to participants.
Over a dozen states have enacted laws requiring employers to offer retirement plans, with penalties for non-compliance. AIPEP 401(k) satisfies every active state mandate.
Active mandate states include:
A 401(k) through AIPEP satisfies all of these — and because we file Form 5500, you have documented proof of compliance.
When a client asks about SECURE 2.0 credits or why their current 401(k) fees are so high, you can point them here. No securities license needed. No AUM-based commission. A flat referral fee for every employer you bring on.
If you're an RIA or independent wealth advisor, your value is in financial planning, investment strategy, and the trusted relationship with your client. Managing a small business 401(k) — the compliance, the filings, the participant notices — that's not where your time belongs.
AIPEP 401(k) handles everything on the plan administration side so you don't have to. We are not a wealth management platform. We don't offer rollover IRA advice, personal financial planning, or investment advisory services. Your client relationship stays entirely yours.
When your small business owner client asks what to do about their 401(k), you can point them here with confidence — and stay focused on the work only you can do.
Talk to us about your clients →We handle the complexity. You handle payroll.
Submit your information. We review your business and confirm eligibility. Takes 5 minutes.
One document. ThinkNirvana Foundation becomes your named ERISA fiduciary. Your liability transfers to us.
We support 40+ payroll providers via API integration. Read-only access — we never touch your payroll settings.
A standard CSV with employee names, dates of birth, hire dates, and compensation. We map everything automatically.
Auto-enrollment at 3% contribution rate. Employees receive a welcome kit and can adjust their rate or fund selection anytime via the participant portal.
Contributions route automatically each pay period. We monitor investments quarterly. We file Form 5500. We send all required ERISA notices. You review a monthly dashboard. That's it.
ERISA requires clear role assignment. Here is ours.
Responsible for investment selection, monitoring, and the Investment Policy Statement.
DOL-registered PPP under ERISA §413(e). Responsible for overall plan administration and Form 5500 filing.
Day-to-day plan administration, participant notices, and compliance testing.
Provides the AI-powered recordkeeping, compliance engine, and participant portal under license to ThinkNirvana Foundation.
Asset custody and trust services. Announcement forthcoming before first employer cohort.
Automated monitoring of all five Vanguard index funds against IPS benchmarks. Human fiduciary review of all outputs.
VTI, VXUS, BND, VMFXX, and a Vanguard Target Date series. No revenue sharing. Institutional index funds only.
AIPEP401K does not use a 3(38) investment manager. ThinkNirvana Foundation serves as Named Investment Fiduciary and makes all investment decisions directly, consistent with the plan's Investment Policy Statement.
Set headcount, pay, and turnover and see what a simple, modern retirement plan design returns — to your people and to your bottom line.
Open the Plan Design Tool →AIPEP 401(k) is launching August 2026. Join the waitlist and get a free SECURE 2.0 credit assessment for your business.
Free. No commitment. Unsubscribe anytime.
We run at margin. Any excess revenue is reinvested to reduce participant fees over time. No shareholders. No VC returns. No exit.
We refuse fund kickbacks and sub-accounting fees. Every dollar in your employees' accounts belongs to your employees.
We're thinking in decades. Built to outlast market cycles, VC trends, and short-term incentives. The mission is the business model.