Retirement security.
For everyone your company employs.
A nonprofit-run 401(k) for small businesses. Index funds. Nothing else to decide.
Built here. Hosted here. Supported here.
aipep401k.com is designed, built, and operated in the United States. Participant records are stored in U.S. data centers, and the people who answer participant questions are here too.
Automation is what makes a low-cost 401k for small business possible at this cost — software handles the administrative work that once required large back-office teams.
What does retirement security feel like?
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.
Three questions every employer asks.
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.
Upload your employee census. Sign the adoption agreement. Done.
Index funds. Nothing else to decide.
No managed accounts. No annuities. No revenue sharing. A short, broadly diversified index lineup covering US stocks, international stocks, bonds, cash, and a target-date series.
What makes a pooled employer plan structurally different.
These aren't incremental improvements. They're built into the legal architecture of the PEP model. If the structure is new to you, start with what a pooled employer plan actually is.
One Form 5500. Period.
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.
AI replaces the entire TPA.
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.
Your clients ask about retirement plans. Here's your answer.
When a client asks how a 401(k) works for a small business, or about SECURE 2.0 startup credits, you can point them here. No securities license needed.
- Free SECURE 2.0 credit guidance you can share with clients
- ThinkNirvana does not provide rollover IRA advice — your client relationship stays yours
- We never contact your client without your introduction
- Co-branded one-pager available on request
SECURE 2.0 credit snapshot
Auto-enrollment credit
Employer match credit
Your clients' 401(k) is not your business.
We mean that in the best way.
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 →From signup to first contribution in seven days.
We handle the complexity. You handle payroll.
Join the waitlist
Submit your information. We review your business and confirm eligibility. Takes 5 minutes.
Sign the adoption agreement
One document. ThinkNirvana Foundation becomes your named ERISA fiduciary. Your liability transfers to us.
Connect your payroll
We support 40+ payroll providers via API integration. Read-only access — we never touch your payroll settings.
Upload your employee census
A standard CSV with employee names, dates of birth, hire dates, and compensation. We map everything automatically.
Employees enroll
Auto-enrollment at 3% contribution rate. Employees receive a welcome kit and can adjust their rate or fund selection anytime via the participant portal.
We handle everything else
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.
Who does what — and who's accountable.
ERISA requires clear role assignment. Here is ours. For what each role covers in general — and which duties an employer keeps no matter who administers the plan — see how 3(16) administration works.
The fiduciary named in the plan document with authority to control and manage the operation and administration of the plan.
Responsible for selecting and monitoring the plan's investments under the Investment Policy Statement.
Pooled Plan Provider under ERISA §413(e) — registration in process. 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 used to run the plan.
Asset custody and trust services. Announcement forthcoming before first employer cohort.
Automated monitoring of the fund lineup against the Investment Policy Statement, with human fiduciary review of every output.
A total US market, total international, total bond, money market, and a target-date series. No revenue sharing. Index funds only.
A 3(38) investment manager will be appointed to select and monitor the plan's investments. Not yet named.
See your plan design in plain numbers.
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 →Join the businesses building a better retirement future.
AIPEP 401(k) is onboarding employers for the 2027 plan year. One field, one email, and we'll let you know when enrollment opens.
- Priority access for the 2027 plan year
- A pooled plan is built for businesses with W-2 employees — if it's just you today, it isn't the right tool yet
- No sales calls.
- Help us shape the product — your input matters
Get early access
One field. Free. Unsubscribe anytime.
aipep401k.com is a pooled employer plan for small business 401(k) plans, operated by ThinkNirvana Foundation — plan administration handled by automation rather than assembled by hand.
Built into how we operate — not just how we market.
Nonprofit architecture
We run at margin. Any excess revenue is reinvested to reduce participant fees over time. No shareholders. No VC returns. No exit.
Zero revenue sharing
The plan accepts no revenue sharing or sub-accounting payments from any fund. Every dollar in your employees' accounts belongs to your employees.
Long-game mission
We're thinking in decades. Built to outlast market cycles, VC trends, and short-term incentives. The mission is the business model.