Retirement plans aren’t expensive anymore.

Sensible solutions to suit your needs.

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Transparent pricing.

Most small business owners find that they can have a retirement benefit for far less than they expected, and many of them find that 401GO is their most affordable option.

Our fees are transparent and affordable, so that your efforts can be focused on wealth-building.

401(k) options


New plans and startups


per participant per month

Zero monthly base fee Zero AUM fee

Ideal for new plans, newer companies, or organizations with fewer than 50 employees.


More complex needs


per participant per month

$29 monthly base fee
0.3% AUM fee

Ideal for existing plans, growing businesses, or those with more complex needs.


Advisor-led plans


per participant per month

$29 monthly base fee
0.1% AUM fee

Industry-leading automation with local plan advisors for the perfect tech + touch solution.

Substantial tax benefits


Administrative credits cover 100% of costs.

Matching credits cover up to $1000/employee.

Auto-enroll provides $500/year.

Compare 401(k) Features



$9/ user per month


$9/ user per month


$9/ user per month


15 Min Self Setup

Assisted Setup
Profit Sharing
Vesting Schedules
Safe Harbor Plans
Non-Safe Harbor Plans
New Comparability Profit Sharing
Volume Pricing
DB/DC Combo Plan
Plan Administration


3(16) Plan Administration
Employee Onboarding
Unlimited Deferral Changes
Loans & Hardship Withdrawals
Payroll Integration
TRUE-360 Integration™
Investment Management

3(38) Fiduciary

Diverse Investment Choices
Automatic Rebalancing
Guided Portfolio Builder
Dedicated Local Advisor
Optional Outside 3(38)
Bring Your Own Advisor
Preferred Advisor Pairing
Compliance & Filing

Ongoing Automated Compliance

Nondiscrimination Testing

Fill, Sign and Send 5500, 1099-R, 8955-SSA
ERISA Bond Included

Control Groups


Phone, Email, Chat

Help Center – FAQs
Dedicated Relationship Manager

Do you need a financial advisor?



Estimate your pricing

Your maximum annual administrative cost may be: (based on 100% participation)


Your total after tax cost: (plan credits are for the first 3 years)


In addition to administrative tax credits, you could qualify for employer contribution tax credits up to: (over 5 year period)


Request more detailed report of full 401k costs (administrative fees plus estimated employer contributions) as well as potential tax credits and the additional tax deductions and savings of offering a 401k plan:

Individual form

Employee pricing

0.3% AUM fee

This covers the cost of holding the assets, and it’s about $2.50 per month for every $10,000 saved.

Fund fees as low as 0.015%

Averaging at about 0.08%, is about 67¢ per month for every $10,000 saved.

Options for non-profits.

Similar to a 401(k), a 403(b) plan is an excellent retirement plan option built specifically for non-profits, public schools, and other tax-exempt organizations.

Because they are so similar to 401(k) plans, 403(b) plans are priced much the same.

Contact us to get a custom quote for your organization.


More complex needs


per participant per month

$29 monthly base fee
0.3% AUM fee

Ideal for existing plans, growing businesses, or those with more complex needs.


Advisor-led plans


per participant per month

$29 monthly base fee
0.1% AUM fee

Industry-leading automation with local plan advisors for the perfect tech + touch solution.

Here are even more ways to save.

Solo 401(k) Plans

0.1% AUM if advisor-led, otherwise 0.3% AUM.

Individual Retirement Accounts (IRAs)

$20 / year + 0.3% AUM

Compare prices and features.

Download our buyers guide.

Pricing questions and answers.

Why is your service so affordable?

Our platform is designed for small businesses, so we have reduced much of the complication associated with traditional 401(k) providers. There are two important keys that allow us to give you a very affordable plan.

The first is service bundling. We serve as the Third-Party Administrator (TPA), the recordkeeper, and the custodian (through our partner Matrix Trust). We also provide 3(38) investment fiduciary services, which allows us to offer you an excellent and affordable fund lineup. These services typically require 2-3 different professionals to manage with legacy providers, each with their own fees.

The second is automation. We built our platform from scratch, using automation technology to handle many of the tasks others do manually. Automating processes means many tasks are done in the background, efficiently, error-free and on time. Since we don’t have to pay salaries to get these tasks completed, we can save you a substantial amount of money.

Don’t worry, we never automate relationships! Call us for personal support from a human.

How much is the setup fee?

Setup fees are not allowed here. We just don’t do it.

How much is the termination fee?

Zip, zero, nada. While some other providers lock you in by charging high fees to leave, we prefer to keep your business with great service and an amazing platform.

What happens when an employee leaves the company?

Employers pay the per-participant fee only for current employees who are actively contributing to their 401(k) account. You will not be charged for those who leave your employment.

Terminated employees are charged for their own accounts, at a discounted rate. They are also able to roll their assets into a 401GO IRA, if they choose to.

Which fees are paid by the employer and which are paid by the employee?

The per-participant and base fees are paid by the employer. The AUM fee is pulled from plan assets, so it is paid by all those who participate in the plan.

What are the pros and cons each pricing option?

We offer different pricing options to best fit the needs of your organization.

GO-STARTER: This is our least expensive option, and a really good choice for extremely small companies. To use this option, you will need to create a Safe Harbor plan. These are typically the best choice for micro-sized businesses, and the automated setup process will suggest the best one for you.

GO-PLUS: If your business is growing, if you want a traditional (non-Safe-Harbor) plan, or if you are transferring your existing plan from another provider, this pricing option is a great choice. The fee is slightly higher, but it comes with extras, like an ERISA bond, a dedicated relationship manager, and access to our True360 integration.

GO-PREMIER: This option is for advisor-led plans. Since advisors take some of the responsibility, they will add their fee on top of ours. While this pricing option may end up costing a little more, many businesses find it worth the price, since advisors are very helpful during the setup and ongoing management of the plan, and they tend to improve outcomes for everyone involved.

If you’re not sure which option is best for you, just ask. We’re happy to talk through the details with you.

Let’s talk.

Talk to our sales team for a detailed pricing proposal.

Schedule a no-obligation discovery call.

“The fees will be lower with 401GO and the fund options will be increased greatly compared to my previous 401K program.”

“The fee is transparent and easy to understand. [It] includes record keeping and TPA work. ”

“401GO allowed us to provide a cost-effective option for retirement for our small business.”


Shopping for a 401(k)? Ask These Questions.

Shopping for a 401(k)? Ask These Questions.

The vernacular of retirement benefits can sound like a foreign language. And, because the best 401(k) providers vary so much in what they offer and how much they charge, it can be difficult to do a good comparison.