Transparent pricing. No fine print. No surprises.
Find your plan.
Four options. All of them practical and reasonable. None of them hiding anything.
GO-Starter
For very small companies. Excellent alternative to state-sponsored programs.
$25 /month
- $2 per participant
- 0.3% AUM fee
- No setup fee
Most popular
GO-Plus
For most small businesses. Our most popular plan.
$139 /month
- $2-$7 per participant 0.3% AUM fee
- $500 setup fee
GO-Enterprise
For 200 or more participants. Full-featured plan for larger businesses.
Solo 401(k)
- $0 per participant
- 0.3% AUM fee
- $250 setup fee
$19 /month
How 401GO compares
Most 401(k) platforms for small business are middleware — a modern interface sitting on an outsourced backend. That means they’re dependent on third-party recordkeepers and TPAs for everything that matters operationally. 401GO owns the whole stack. Here’s what that means in practice:
Features
GO-Starter
GO-Plus
Fast Self Setup
Plan Administration
Investment Management
Compliance & Filing
Support
The more plans you run
The better the math gets.
Small businesses like ours never had truly affordable access to literally hassle-free 401(k) benefits. 401GO has made 401(k) benefits affordable and easy to use. It is a fantastic offering.
Ben A, Small Business CEO
See what a plan would cost your business.
Yes. The government will help you pay for this.
- Administrative credits cover up to 100% of costs
- Matching credits cover up to $1,000/employee
- Auto-enroll provides $500/year
Nonprofit? We’ve got a plan for that too.
Questions? We’ve Got Answers.
Why is 401GO so much more affordable than traditional providers?
Two reasons. First, technology: we built the platform from the ground up specifically for modern retirement administration. Most competitors run on infrastructure that predates the internet, which means tasks that should be automated are still done manually by multiple people. We’re all for keeping unemployment low, but not like that.
Is there a termination fee?
Zero, zip, none. Some providers use high termination fees to compensate for a platform people don’t actually want to stay on. We’d rather earn the long relationship.
What happens to the per-participant fee when an employee leaves?
Which fees does the employer pay versus the employee?
How do I choose between GO-Starter and GO-Plus?
he Go-Starter is the right call for a very small business that doesn’t already have an existing 401(k) plan, and wants a simple, compliant plan, without a lot of moving parts, or dedicated support. It allows for the business to set eligibility requirements, but doesn’t allow for company contributions to employees into the plan like matching or profit sharing. It is also limited to lower contribution limits than a full 401(k) plan with our GO-Plus offering.
The GO-Plus is for businesses that are growing and can decide between Safe Harbor, traditional plans, or transferring an existing plan from an existing provider. This allows for contributions up to the annual 401(k) limits, API Integration or Trust360 payroll integration, dedication relationship manager for administrators, and access to more advanced plan design options like profit sharing and vesting scheduled.
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.
Ready to see your number?
