401(k) Pricing

Affordable, transparent pricing

401GO is committed to providing transparent, competitive pricing for our 401(k) plans. Most small business owners find that they can have a retirement benefit for far less than they expected, and many of them discover that 401GO is the most affordable 401(k) company. 

Effective retirement planning must be affordable. Thanks to compound interest, thousands of dollars of growth could be lost to high fees and intensive ongoing management. 401GO offers a large selection of excellent investments at reasonable prices for participants.

A large percentage of employees at small businesses are not offered a low-priced 401(k) plan, and must use other, often inferior, products to manage their retirement savings. To help more Americans prepare for retirement, we offer some of the most affordable pricing in the industry. Medium, small, and even very, very small businesses can afford to offer their teams a 401(k) plan. This levels the playing field, allowing smaller companies to compete for the best employees by providing an attractive retirement benefit at a low price.

Compare Features

Features

GO-STARTER

$9/ user per month

GO-PLUS

$4-9/ user per month

GO-PREMIER

$4-9/ user per month

15 Min Self Setup
Assisted Setup
Profit Sharing
Vesting Schedules
Safe Harbor Plans
Non-Safe Harbor Plans
New Comparability
Volume Pricing
Plan Administration
Custody
3(16) Plan Administration
Recordkeeping
Employee Onboarding
Unlimited Deferral Changes
Loans & Hardship Withdrawals
360 Payroll Integration
TRUE-360 Integrationâ„¢
Support
Phone, Email, Chat
Help Center – FAQs
Dedicated Relationship Manager
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
Non-Descrimination Testing
Fill, Sign and Send 5500, 1099-R, 8955-SSA
ERISA Bond Included

Volume 401(k) Pricing Discounts

$8

per participant per month

51-100 employees

$7

per participant per month

101-200 employees

$6

per participant per month

201-300 employees

$5

per participant per month

301-400 employees

$4

per participant per month

401-500 employees

Automating everything but relationships.

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Frequently asked questions

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

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.

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.

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.

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