TRADE SYNDICATES

Your members built careers with their hands. Help them retire with security.

The tradespeople in your network work hard, move between employers, and often land in retirement without the savings to show for it. A trade syndicate-sponsored retirement benefit changes that. 401GO gives you the infrastructure to offer a competitive plan to your members — and to the employers who rely on your network — without adding complexity to your organization.

Benefits That Travel With Your Members

The nature of trade work is movement. Members change employers. Projects end. Contracts turn over. A retirement plan that lives with the employer leaves your members starting over again and again.

401GO supports structures that keep retirement savings accessible and portable – so the work your members do today builds toward a future that’s actually theirs, regardless of where their next project takes them.

At the same time, we give the small businesses and contractors in your network access to affordable, easy-to-administer plans that they couldn’t justify or manage on their own.

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

Infrastructure for the Organizations That Represent the Trades

Easy for small employers to launch and run

Most of the businesses in your network don’t have HR departments. They’re running lean. 401GO was designed so a business owner can set up a plan in as little as 15 minutes without a consultant and administer it without dedicating significant time to compliance. That’s how you get adoption across your membership.

Native payroll integration

Deferral data and employee records sync automatically between the payroll system and the retirement plan. Contribution errors — the #1 source of service calls in retirement administration — disappear before they happen.

Compliance that runs itself

SECURE 2.0 compliance is automated at the platform level. Your member employers stay current without manual tracking. A monthly newsletter delivers regulatory updates in plain language so you and your members know what’s changing before it becomes a problem.

Tools to drive member engagement

A mobile app gives participants access to their plan from anywhere — which matters when your members work on job sites, not at desks. Real-time dashboards for plan sponsors show participation rates and contribution trends without requiring them to pull a report.

Dedicated human support

Every account gets a dedicated support contact. When a member employer or a plan participant has a question, a real person answers it.

Up and running fast. Native payroll integration. Automated compliance. A 401(k) you can actually manage while you build a company.

CLIENT TESTIMONIALS

Your Peers Know the Story

401GO handles everything for me, so I don’t have to worry about it. They handle employee changes, payroll updates, annual reporting, and more.

Melissa M, Mid-Market Business Officer

Finally, a truly affordable but functional 401(k) option for the small businesses of America. You’re not going to find a platform as low of cost as this that also has the same quality of investment options as this.

Justin C, Small Business Owner

They are our administrator for our 401(k) plans. This makes our life easy for the retirement plan business we have. Their payroll integrations make things super simple for us.

Jeffery L, Small Business Founder

Working with the staff at 401GO was awesome and easy. They will not leave you to figure it out on your own. The ease of the platform and support of the 401GO team is perfect.

Will C, Small Business Financial Advisor

FREQUENTLY ASKED QUESTIONS

Questions? We’ve Got Answers.

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

Can a trade syndicate or association sponsor a plan for its members?

It depends on the structure — there are multiple ways to approach retirement benefits at the association level, from group plan structures to member employer arrangements. We’ll help you understand what fits your organization’s legal and operational setup and connect you with the right resources. The goal is to make the benefit available to your members in the most workable way possible.

Most of our member employers are small. Is 401GO realistic for them?

Yes. We built 401GO specifically because small employers have been underserved by the retirement plan industry. The platform is affordable, the setup is fast, and the ongoing administration is manageable without a dedicated HR team. Many member employers who assumed a plan was out of reach find that 401GO fits their budget and their bandwidth.

What about members who work for multiple employers throughout the year?

Retirement savings portability is a real issue for trade workers. We’ll work with you to identify plan structures that maximize portability for your members — so the savings they accumulate don’t get left behind every time a project ends.

What tax incentives exist for small member employers starting a new plan?

The SECURE 2.0 Act provides meaningful tax credits for eligible small employers launching new retirement plans. Credits can offset a significant portion of startup costs in the first few years. We’ll help your member employers understand what they qualify for and how to take advantage of it.

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 Benefit Your Members Actually Deserve?

Your members show up and do the work every day. 401GO helps you make sure they have something to show for it when the job is done. Let’s build a retirement benefit that travels with them.