FRANCHISES

One plan infrastructure. Every location.

You’re running a franchise — or a portfolio of them. Benefits consistency across locations isn’t a nice-to-have. It’s a legal, operational, and competitive necessity. 401GO was built to make retirement plan management work at scale, across multiple employers, without adding the administrative overhead that breaks most platforms.

Consistent Benefits. No Headaches.

Multi-location benefits management is where most retirement plan providers fall apart. They’re built for a single employer, a single plan, a single payroll. When you need to manage enrollment, contributions, and compliance across dozens of locations — each technically a separate employer — those platforms turn into a full-time job.

401GO handles multi-employer complexity at the platform level. Each location has its own plan, properly structured for its employee population. Contribution data syncs directly from payroll. Compliance runs automatically. And you get a centralized view across your entire portfolio without stitching together separate logins, spreadsheets, and vendor contacts.

Your operators focus on running their locations. You focus on growing the portfolio.

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

Built for Operators Running at Scale

Multi-location visibility

Manage your full portfolio from a single dashboard. See participation rates, contribution activity, and compliance status across every location without toggling between separate logins or waiting on reports from individual operators.

Payroll integration that eliminates errors

Native integration with the payroll systems your locations use means deferral data and employee records sync automatically in both directions. No manual reconciliation. No correction filings from data mismatches. No service calls from frustrated operators wondering why contributions didn’t process correctly.

Fast onboarding for new locations

When you add a location, getting the retirement plan in place shouldn’t take six weeks. Plans go live as fast as 15 minutes. New franchisees don’t have to wait — and you don’t have to manage a slow implementation process on top of everything else a new location requires.

Consistent compliance across the portfolio

SECURE 2.0 compliance is automated at the platform level. Every plan in your portfolio stays current without manual tracking or location-by-location intervention. A monthly newsletter keeps you and your operators informed on regulatory changes that affect the portfolio.

Dedicated support that knows your structure

Every account gets a dedicated human support contact — not a shared ticket queue. When your operators have questions, they get answers from someone who understands how franchise retirement plans are supposed to work.

Multi-employer plan management. Automated compliance. Centralized oversight. One platform for your entire portfolio.

CLIENT TESTIMONIALS

Your Peers Know the Story

The best thing about 401GO is how unpretentious they are. They present themselves as what they are at an affordable rate. And it just works.

Nolan P, Small Business Owner

401GO takes the hassle out of managing retirement plans, making the process straightforward and stress-free.

Arun J, Mid-Market System Administrator

I really like how 401GO makes managing my retirement simple and stress-free. The interface is intuitive, and tracking my investments is quick and easy. It gives me confidence knowing I can stay on top of my financial goals without any hassle.

Lijo J, Mid-Market Personal Income Tax Preparer

There is always a human on the other side available to help. Our 401GO rep was very hands-on in getting us all set up correctly. I absolutely love services like this that make it easier to understand and provide benefits to our employees.

Certified G2 User, Small Business HR Officer

FREQUENTLY ASKED QUESTIONS

Questions? We’ve Got Answers.

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

How does 401GO handle plans across multiple employer entities?

Each franchise location operates as a separate employer with its own plan — which is how franchise retirement plans are legally required to be structured in most cases. 401GO manages each plan individually at the platform level while giving you centralized visibility across the full portfolio. You get the compliance structure you need and the operational view you actually want.

Can we standardize plan design across all locations?

Yes. You can establish standard plan defaults and design parameters that apply across your portfolio, while retaining flexibility to accommodate location-specific variables where needed. If you want consistent Safe Harbor provisions across every location, we can build that in.

What happens when a franchisee leaves or a location closes?

Plan offboarding is handled through the platform. Participant assets are managed appropriately, and you have full visibility into the process. We’ll walk you through the steps specific to your situation.

How does payroll integration work across different payroll providers?

We integrate natively with the major payroll systems. If your locations use different payroll providers, we can typically accommodate that — contribution data and employee records sync automatically regardless of which system the individual location runs.

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 Bring Benefits Consistency to Your Entire Portfolio?

Your brand is consistent across every location. Your retirement plan should be, too. 401GO gives franchise operators and multi-location owners the infrastructure to offer competitive benefits at scale — without the administrative burden that comes with it.