For employers
Benefits for the workers benefits forgot
Give your 1099 contractors and hourly staff a portable savings, tax and financial-education benefit at low or no cost to the business, with no plan to run.
US independent workers in 2026
MBO Partners, State of Independence 2026
independents earning $100K or more
MBO Partners, State of Independence 2026
self-employed construction tradespeople
NAHB analysis of ACS data
trucking owner-operators
FMCSA registrations via AtoB
Segments overlap and use different definitions, so they should not be added together.
Covers everyone
1099 contractors, per-diem, part-time and hourly staff: the people traditional plans leave out.
Low or no cost to you
Worker accounts on the Free plan cost the business nothing. No plan to sponsor or administer.
A reason to stay
A benefit your workers can see and use from day one, which helps recruiting and retention.
Financial education built in
An AI money coach and tax tools that answer with each worker's own numbers.
Built for your industry
Hotels & hospitality
Offer housekeeping, banquet, front-desk and contract staff a portable savings and financial-education benefit at low or no cost to the hotel owner.
Senior care & home health
A portable savings and financial-education benefit for caregivers, aides and per-diem staff across assisted living, home health and senior-care facilities.
Home services & trades
Give HVAC, plumbing and electrical technicians and subcontractors a portable savings and tax benefit, across one company or a whole roll-up.
Delivery & logistics
Built with Dragonfly's own courier network: a free tax and savings app for independent drivers, with a portable retirement account coming.
Staffing agencies
Give temporary and contract placements a portable savings and financial-education benefit that follows them between assignments.
Restaurants & food service
A free financial app and portable savings benefit for servers, cooks, bartenders and delivery staff, including No Tax on Tips tracking.
Real estate brokerages
Give independent-contractor agents a portable savings, quarterly-tax and financial-education benefit, across one brokerage or a franchise network.
Insurance agencies & IMOs
A portable savings, tax and financial-education benefit for the independent agents in your agency, IMO or distribution network.
Private equity portfolios
One benefit across every portfolio company with contractor and hourly workforces.
How it works
- 01
Tell us about your workforce
A short call: headcount, how many are 1099 or hourly, and where they work.
- 02
Invite your workers
A co-branded signup link and onboarding. Each worker opens their own free account in minutes.
- 03
They save, plan and learn
Workers get tax tools and financial coaching now, and the portable IRA when it opens.
State mandate lookup
Does your state require a retirement plan? Check in 30 seconds, with official sources.
Turnover ROI calculator
See what turnover costs you and what keeping more workers is worth, using your own numbers.
What you can offer, and when
We separate what works today from what is coming, so nobody promises your workers something that doesn't exist yet.
Available today
- A free Gigaverse account for every worker you invite, on Android and the web (iPhone app in App Store review)
- Financial education and an AI money coach that answers with each worker's own numbers
- Quarterly tax estimates, mileage logging and deduction tracking for 1099 workers
- A co-branded signup link and onboarding for your workforce
- Workforce roster sync for payroll and platforms (private beta)
Coming soon
- A portable Roth IRA that follows each worker from job to job, with custody at a FINRA/SIPC-member broker-dealer
- Automatic savings from each payout, set by the worker
- Employer and administrator reporting on enrollment and participation
Gigaverse does not offer a 401(k) or SEP IRA plan today. We are exploring plan options with partners; tell us what your workforce needs and we will tell you honestly what we can do and when.
Questions owners ask
Can we offer a 401(k), SEP IRA or IRA through Gigaverse?+
Gigaverse does not offer a 401(k) or SEP IRA plan today. We are exploring plan options with partners; tell us what your workforce needs and we will tell you honestly what we can do and when.
What does it cost the business owner?+
Worker accounts on the Free plan cost the employer nothing. Program pricing for co-branded onboarding, roster sync and reporting is set per program on a short call. Our aim is low or no cost to the business owner.
Do we have to sponsor or administer a plan?+
No. Gigaverse is not an employer-sponsored plan. You invite workers; each worker opens their own account. You do not take on plan-sponsor duties.
Can our 1099 contractors join our 401(k)?+
Generally no: a company 401(k) covers employees, not independent contractors. Contractors can open their own Solo 401(k), SEP IRA or IRA; see our guide at gigaverse.ai/401k-for-1099-workers.
Does inviting contractors affect how they are classified?+
Gigaverse does not change anyone's worker classification and does not provide legal or tax advice about it. Talk to your counsel about classification.
How does this relate to my state's auto-IRA mandate?+
Most state mandates apply to W-2 employees, not contractors. Gigaverse is not a state program and does not satisfy a state mandate by itself. Use our state tracker to see your state's rules.
Talk to our team
Tell us about your workforce. We'll show you what Gigaverse can do for them today and what's coming.
Gigaverse Ai, Inc. is a software company. It is not a bank, broker-dealer or registered investment adviser and does not provide tax, legal or investment advice. Gigaverse does not offer a 401(k) or SEP IRA plan today, and the portable Roth IRA is not yet open; when it opens, custody will be at a FINRA/SIPC-member broker-dealer. See disclosures.