SMALL BUSINESS OWNERS

The retirement every employee deserves.

You’ve built something real. Your team helped you do it. A retirement plan isn’t just a benefit — it’s how you compete for good people, keep them, and make sure the years they put into your business build toward something for them. 401GO makes it simple, affordable, and fast to get there.

You Shouldn’t Need a Department to Offer a Great Benefit

Most retirement plan providers were built for large employers with dedicated benefits teams, compliance staff, and administrative bandwidth. Small businesses get handed the same platform, the same complexity, and a bill that doesn’t make sense for their size.

401GO was built differently. It was built for businesses like yours — where the person setting up the retirement plan is also running payroll, managing vendors, and closing next week’s deal.

Setup in as little as 15 minutes. Ongoing administration runs automatically. Compliance is handled at the platform level so you’re not tracking regulatory changes on a spreadsheet or calling a vendor to ask what SECURE 2.0 means for your plan.

You run the business. We run the plan.

The Right Plan for Every Client

401GO covers the full range of retirement needs so you can say yes to the right plan for you.

Standard 401(k)

The core offering, built for SMBs

Safe Harbor 401(k)

Simplified compliance for employers who want it

Starter 401(k)

For businesses just getting started

Solo 401(k)

For owner-only businesses

ERISA 403(b)

Purpose-built for tax-exempt organizations

Traditional IRA

Individual retirement access

Cash Balance

For businesses with more complex planning needs

Everything a Big-Company Plan Does. None of the Big Company Overhead

Up and running fast

No consultant required. No six-week implementation. No lengthy onboarding process that competes with actually running your business. Set up your plan, customize it, and have it ready for your team — today.

Payroll that connects automatically

Native integration with the payroll systems small businesses actually use means deferral amounts and employee data sync in both directions, automatically. No manual entry. No reconciliation. No calls from employees wondering why their contribution didn’t come out right.

Compliance that doesn't require your attention

SECURE 2.0 compliance is automated at the platform level. When regulations change, the platform updates — you don’t have to. A monthly newsletter keeps you informed on what’s changing and what it means for your plan, in plain language.

Pricing you can actually understand

No layered fees. No surprise invoices. No structures that only make sense to a retirement specialist. You see what you’re paying, what it covers, and what your employees get for it.

Tools that keep your team engaged

A mobile app gives your employees access to their accounts, contribution elections, and retirement projections from anywhere. Better engagement means better outcomes — which is why you’re doing this in the first place.

Support from a real person

Every account gets a dedicated human support contact. When you or one of your employees has a question, someone answers it.

Plans live as quick as 15 minutes. Automated compliance. Payroll that actually connects. A retirement plan your team deserves — and that you can actually manage.

CLIENT TESTIMONIALS

Don’t Take Our Word For It

401GO helps me manage a 401(k) retirement plan for my small business at a low cost. It’s user friendly and seamlessly integrates with my payroll, saving me time. Setting it up was easy, and the transition was smooth for my employees.

Weston M, Small Business Owner

We are a small company and I wear many hats. I need services like this to make compliance and employee benefits easy to manage as we don’t have one HR person dedicated to only this. 401GO has made my life so much easier!”

Verified G2 User, Small Business HR

Easy to use for small business owners who want to offer a 401(k) plan to their employees. I don’t need to hire an accountant to manage the 401(k) plan through 401GO.

Verified G2 User, Small Business Owner

My experience with 401GO has been extremely positive to this point. It was easy to set up with all the support provided. After the first time, it only takes me a couple of minutes each pay period to process payroll for myself and my employees.

Eric O, Small Business President

401GO is a game-changer, enabling businesses to set up a 401(k) with ease – low cost and low effort!

Kelly B, Small Business Owner

FREQUENTLY ASKED QUESTIONS

Questions? We’ve Got Answers.

Honest answers about how the platform works, what it costs, and where it fits.

Is a 401(k) actually affordable for a small business ?

More affordable than most small business owners expect — especially now. The SECURE 2.0 Act created significant tax credits for eligible small employers launching new retirement plans. Many businesses can offset a substantial portion of startup and administrative costs in the first few years. We’ll help you understand the details of your eligibility.

How much time does this actually take to manage ?

Very little. Plan administration is automated. Payroll integration handles contributions. Compliance runs at the platform level. Most plan sponsors spend less time managing their 401GO plan than they spent managing the problems that came from not having one.

What if I only have a few employees — is it still worth it ?

Yes. There’s no minimum headcount to get started. The Starter K is designed specifically for smaller teams, and the Solo K is purpose-built for owner-only businesses. You can launch a plan that fits where you are right now and scale it as you grow.

What happens if my business grows and my needs change ?

The platform grows with you. Whether you’re at five employees or two hundred, you don’t need to switch vendors, migrate data, or rebuild your plan. Add employees, adjust plan design, and change your structure as your business evolves — all inside the same platform.

INSIGHTS

From the team.

What’s actually changing in retirement infrastructure, the advisor channel, and the technology underneath it. Written by the people building it, not a content agency.

Insights for Advisors

SECURE 2.0 Check-In: Three Employee Groups That May Need Extra Attention

Insights for Employers, Insights for Everyone Else, Uncategorized

Types of 401(k) Providers and How to Choose the Right One for Your Business

Insights for Advisors, Insights for Employers

The 401GO Advantage: Modern 401(k) Solutions for Every Stage of Growth

FUTURES BUILT HERE

Ready to Deliver a Retirement Plan Your Team Actually Deserves?

You’ve built a business worth working for. Let’s make sure your team can build their future while they help you build yours. 401GO gives small business owners the retirement infrastructure that used to be out of reach — without the cost, complexity, or overhead