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 — we support Gusto, Paychex, and 40+ others via payroll API.
Upload your employee census. Sign the adoption agreement. Done.
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.
Check your state →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 →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.