NONPROFITS

Your mission deserves a retirement plan that takes it seriously.

Attracting and keeping talented people at a nonprofit is hard enough. When your benefits package can’t compete, your best candidates go somewhere else. 401GO gives mission-driven organizations access to the same retirement infrastructure that larger employers take for granted — at pricing that works on a nonprofit budget.

Great People Deserve Great Benefits

Your team chose this work because they believe in it. Don’t make them choose between the work they love and the retirement security they need.

With 401GO, your organization can offer a competitive 401(k) or 403(b) plan without a drawn-out implementation, a confusing fee structure, or a recordkeeper that treats small plans as an afterthought. Setup takes 15 minutes. Administration runs automatically. Compliance is handled at the platform level so you’re not managing regulatory requirements across a spreadsheet your finance team updates quarterly.

Your staff focuses on the mission. We make sure the benefits keep up.

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

Retirement infrastructure that works as hard as you do.

Launch fast, administer easily

Plans go live quickly. Onboarding is straightforward. Ongoing administration runs automatically — no complex manual processes, no six-week implementation timelines, no dedicated HR administrator
required to keep things compliant.

Compliance on autopilot

SECURE 2.0 compliance is handled at the platform level. Regulatory updates are monitored and applied without manual intervention. A monthly newsletter keeps your team current on changes that affect your plan and your participants — before questions come up.

Payroll that actually connects

Native payroll integration means contributions, employee records, and deferral data sync automatically in both directions. Errors that create corrections and compliance headaches get eliminated before they happen.

Participant tools that engage your team

A mobile app gives your employees access to their accounts, contribution elections, and plan information from anywhere. Better participant engagement means better retirement outcomes — which is the whole point.

Support that answers the phone

Every account gets a dedicated human support contact, not a ticket queue. When your team has questions, they get answers from a real person who knows your plan.

Purpose-built 403(b) plans. Automated compliance. Affordable pricing. A retirement benefit your team actually deserves.

CLIENT TESTIMONIALS

Your Peers Know the Story

I selected 401GO because they are customer focused, have an easy-to-use system, affordable pricing, especially for nonprofits, and are timely and responsive.

Melissa M, Mid-Market Business Officer

401GO helps us manage the challenges of administration and compliance associated with 401(k). It’s a simple and affordable platform that delivers.

Verified G2 User, Small Restaurant Business

With 401GO, it was very affordable and quick to get up and running, with minimal paperwork.

Eric O, Small Business Executive

Incredibly fast, simple 401(k) establishment – like in 15 minutes.There is virtually no effort.

Kelly B, Small Business Officer

FREQUENTLY ASKED QUESTIONS

Questions? We’ve Got Answers.

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

What's the difference between a 403(b) and a 401(k), and which one does my organization need?

The short version: 403(b) plans are designed specifically for tax-exempt organizations — nonprofits, schools, and religious organizations. They carry some structural advantages for eligible organizations, including certain contribution rules and plan design options that reflect how these organizations operate. We’ll help you identify the right plan type for your situation during setup.

Can small nonprofits afford this?

Yes — and that’s exactly why we built it this way. 401GO’s pricing is transparent and straightforward, without the layered fees that make smaller plans economically unworkable. Many of our nonprofit clients launched plans they assumed were out of reach until they saw our pricing.

How does payroll integration actually work for my clients?

We integrate directly with the major payroll platforms — when payroll runs, deferral amounts, employee records, and contribution data sync automatically in both directions. No manual entry. No reconciliation process. No correction filings from data mismatches that never should have happened. It eliminates the single biggest source of client service calls in retirement plan administration.

How much administration burden does this add to our team?

Very little. Plan administration runs automatically. Payroll integration handles the contribution data. Compliance is managed at the platform level. Most plan sponsors spend less time on plan administration with 401GO than they spent managing the problems that come with not having a plan.

What if we don't have an HR department?

You don’t need one. 401GO was built for organizations where the person running the retirement plan is also running five other things. The platform is designed to be manageable by non-specialists, and every account includes a dedicated human support contact when you need one.

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 Give Your Team the Benefit They’ve Earned?

Your organization exists to make things better. Let’s make sure your team’s retirement future reflects that. 401GO gives you the tools to offer a competitive retirement benefit without the cost, complexity, or administrative overhead.