卖什么
The 401(k) that helps you grow
商业模式拆解
买家：谁掌握预算？
Business owner / CEO or president of a small company choosing a 401(k) plan (testimonials from CEO of BackerKit and a company president).
触发点：什么让他们现在购买？
Attract and retain talent; replace hassle and cost of existing providers (testimonial compares setup favorably to Vanguard); over half of employees at 401(k)-offering firms unsatisfied per About page.
工作流：什么输入变成什么输出？
1) design plan and investment menu, 2) connect to payroll, 3) enroll employees and provide education, 4) invest assets held at a qualified custodian, 5) prepare notices and filings sendable in one click; includes 3(16) admin (eligibility tracking, compliance, Form 5500) and 3(38) investment fiduciary.
经济账：省了什么，怎么收费？
未核实Fee-based plan services (recordkeeping by Octave Retirement Services, advisory by Quillu, Inc. RIA); About page quotes a view against asset-based fee structures. Exact fees not shown.
渠道：怎么接触到客户？
Inquiry-led: "Request Information" form with a dedicated concierge account manager; payroll integrations.
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2012 夏季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.