PAYROLL PROVIDERS → HCM PARTNERS
What a Modern Retirement Partnership Actually Looks Like
Not another vendor to manage. Not another product to explain. A retirement infrastructure that sits inside your existing offering and does the work – so your team doesn’t have to.
We Automate Everything But Your Relationships
Keep your starring role with your clients. We sit in the background and make you look good.
401GO owns the entire retirement stack — recordkeeping, TPA administration, 3(16) fiduciary, investment management, plan documents, and compliance — all in a single system built from the ground up. No outsourced backend. No third-party TPA to delay you. No vendor daisy-chain.
That means faster implementation, fewer errors, and a client experience that reflects well on your platform.
Four Things That Make the Partnership Work
Integration that actually integrates
Sync payroll data, deferral elections, and employee records automatically — in both directions. Our 360° API integrations eliminate dual-entry and remove manual reconciliation from your team’s plate entirely. For platforms without a full API, our True360™ service delivers the same hands-off accuracy at no added cost. One way or another, it just works.
Compliance handled at the platform level
SECURE 2.0, auto-enrollment, QACA escalation, long-term part-time eligibility, Roth catch-up limit — we track regulatory changes and implement them at the platform level so your clients stay compliant without you becoming a compliance expert. You get a clean liability story. Your clients get peace of mind.
A sales toolkit that does the heavy lifting
You don’t need a dedicated retirement specialist to sell this. We give your team what they need: co-branded materials, benchmarking data, tax credit calculators, objection-handling guidance, and marketing support. The goal is confidence on the first call — not a six-week training program.
One system, not a vendor chain
Every partner gets a dedicated relationship manager. Every employer gets a dedicated human support contact. We provide ongoing regulatory updates, participant education resources, and an intuitive platform that keeps inbound questions to a minimum. When something does come up, there’s a real person ready — not a ticket queue.
The Right Plan for Every Client
401GO covers the full range of retirement needs so you can say yes to more clients.
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
Transparent, affordable pricing makes every plan a realistic conversation with any client in your book.
CLIENT TESTIMONIALS
Your Peers Know the Story
Additional Resources
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 support my clients without adding work to my team?
That’s the design. 401GO handles setup, administration, compliance, and ongoing support directly with your clients. Your team makes the introduction. After that, we do the operational work while you stay in the relationship. Most partners tell us it’s the lowest-maintenance revenue they have.
What makes 401GO different from other retirement platforms out there?
Most platforms are middleware — a slick front end sitting on top of an outsourced backend. They’re dependent on third-party recordkeepers and TPAs, which means delays when something needs to change and limited control when something breaks. 401GO owns the entire stack in-house. We built it from scratch, with no legacy debt. That’s why we can move faster, cost less, and give you one contact for everything.
What if my payroll platform doesn’t have a full API integration?
That’s why we offer True360™. It’s our service for payroll platforms without a native integration — and it delivers the same hands-off accuracy as a full API connection, at no added cost to you or your clients. We handle the data exchange. You get the clean experience.
What does the referral or revenue share structure look like?
We build the arrangement around your business. That might mean referral spiffs, volume bonuses, or a structured rev-share — depending on your client mix and how active a role your team wants to play. The best way to find the right structure is a 30-minute conversation with our partnership team.
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.
FUTURES BUILT HERE
Ready to Add Retirement to Your Platform?
Your clients are already being approached by competitors who bundle 401(k) into their payroll offering. 401GO lets you do the same — without building anything from scratch.
