Innovative 401(k) companies like 401GO provide streamlined and affordable solutions to make retirement savings easier than ever. Explore our plans, including options for safe harbor 401(k).
Small Business 401(k) Plans
A Modern Solution to a 401(k)
For years, 401(k) providers have used outdated and inefficient methods to help hard-working people save for retirement. At 401GO, we capitalized on opportunities to automate the boring parts so we could focus more on your needs. Using our state-of-the-art technology and customizable options, you benefit from a 401(k) plan that fits your budget and company size.
401GO’s Approach to 401(k)
Built with Small- to Mid-Sized Businesses in Mind
Less Expensive Than Competitors
Exceptional Customer Service
Intuitive Mobile App
Personal Financial Management Tools
Qualifier for Tax Credits Under Some Conditions
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Our Software
About the 401GO Platform
Seamless Onboarding
401GO offers the fastest plan-design processes in the industry. Our front-end efficiency allows us to create a plan for you in 15 minutes or less. We do this using cutting-edge technology, which automates certain tasks so we can focus on you.
Affordable Pricing
A 401(k) is about saving money, so we’re passionate about creating plans to maximize your savings. Our affordable solutions empower you to save more and build the life you want. You’ll enjoy the same service as big business in a less expensive package.
Customizability
Within each tier, enjoy a myriad of customizable options to create your ideal plan. Our features include payroll integration, live data dashboards, a guided portfolio builder, and more.
Powerful Perks
401GO offers a convenient and intuitive mobile app. Participants also get access to free financial management resources like a retirement calculator, budgeting tools, a financial goal tracker, spending insights, and valuable educational content.
Our Pricing
Pricing to Fit Every Budget
At 401GO, we have options to fit companies of all sizes. Small- to medium-sized businesses find our packages attractive and easy to implement, with plenty of robust options traditionally offered at more established 401(k) providers.
401(k) Plans
Safe Harbor Plans
Since many small companies have trouble meeting the IRS compliance standards, we offer Safe Harbor plans. These plans exempt businesses from required testing, making it easier for them to remain in compliance.
Additional Resources
Frequently Asked Questions
Questions? We’ve Got Answers
What is a 401(k)?
A 401(k) is a retirement savings plan offered by employers that allows employees to contribute a portion of their pre-tax income. This plan is most often used as savings for retirement.
What are the benefits of a 401(k)?
A 401(k) plan allows for the tax-deferred growth of investments. They offer higher contribution limits than typical IRAs. Many employers will match contributions to your 401(k) based on a certain percentage, and you can take your 401(k) from one job to another.
How much can I contribute to my 401(k)?
Contribution limits change annually. For 2024, the limit is $23,000, but it is subject to cost-of-living adjustments.
Why is it called a 401(k)?
A 401(k) is named after the retirement savings plan instituted by the Revenue Act of 1978 in section 401, subsection K. This section allows employees to contribute a portion of their pay to an individual account without being initially taxed. These funds are called “deferred compensation” and can be invested in various financial services.
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Are you ready for a 401(k) plan that truly fits your unique needs? Get started setting up your plan right now.
