STARTUPS

You’re building something real. Your retirement plan should be, too.

Early-stage companies compete for talent against employers with full benefits stacks. A retirement plan is no longer optional — it’s table stakes. 401GO gets you there fast, affordably, and without adding operational weight you can’t carry right now.

Don’t Let Benefits Be the Reason You Lose the Hire

The candidate you want is comparing you to companies with mature HR departments and established benefits packages. A 401(k) won’t close every offer — but the absence of one closes the door before the conversation even starts.

401GO gets your plan live in as little as 15 minutes. There’s no six-week implementation, no enterprise sales cycle, no minimum headcount requirement. You get a plan that looks and performs like the one your bigger competitors offer — at pricing that matches where you actually are right now.

The platform scales as you grow. You don’t pay for complexity you don’t need yet.

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

Infrastructure for Companies Moving Fast

Go live as fast as 15 minutes

Seriously. Set up a plan, customize it, and have it ready for your first eligible employee without a consultant, a broker, or a lengthy implementation process. You have other things to build.

Payroll that actually connects

Native integration with the payroll systems startups actually use means contributions and employee data sync automatically. No manual entry. No reconciliation when something doesn’t match. No avoidable compliance corrections.

Compliance handled at the platform level

SECURE 2.0 compliance is automated. Regulatory changes don’t require you to update a spreadsheet or call a vendor to ask what changed. The platform handles it. You stay informed through a monthly newsletter that tells you what matters and why.

Grows as you grow

Whether you’re at five employees or five hundred, the platform scales without switching vendors, migrating data, or rebuilding your plan from scratch. Add employees, adjust plan features, and change your setup as your company evolves.

Support from real humans

Every account gets a dedicated support contact — not a shared inbox or a ticketing system. When something comes up, someone picks up.

Up and running fast. Native payroll integration. Automated compliance. A 401(k) you can actually manage while you build a company.

CLIENT TESTIMONIALS

Your Peers Know the Story

Excellent startup to medium size plan provider. The simplicity and exceptionally fast plan design is a big differentiator. 401GO is the best first option to consider.

Gary R, Small Business Owner

The website and signup are great. Reports are fantastic.

Brian W, Small Business President

They offer startup/small business friendly plans. The Starter Plan works for a team as small as 2 and it’s scalable as the team grows.

Vinay I, Small Business Founder

401GO is helping our startup offer a 401(k) for the first time. Their staff is incredibly responsive and helpful. The guided investment suggestions are a huge help for those who are new to 401(k)s.

Verified G2 User, Small Computer Software Business

FREQUENTLY ASKED QUESTIONS

Questions? We’ve Got Answers.

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

Do we need to have a certain number of employees to start a plan?

No. 401GO works for companies at every size — including founder-only companies and early-stage teams. The Starter 401(K) is designed for businesses launching their first retirement plan, and the Solo 401(K) is purpose-built for single-owner companies. You don’t need to hit a headcount threshold before this makes sense.

We're still early-stage. Is this really worth the cost?

The SECURE 2.0 Act created significant tax credits for small employers launching new retirement plans. Many startups can offset a substantial portion of startup costs in the first few years — sometimes enough to make the plan effectively free in the short term. We’ll help you understand your eligibility.

What happens when we scale? Will we have to switch platforms?

No. 401GO is built to grow with you. The same platform that works for a five-person team handles a five-hundred-person team without a migration, a new implementation, or a painful transition project.

How does this work with our payroll provider?

We integrate natively with the major payroll systems startups use. When you run payroll, deferral amounts and employee data sync automatically — no manual process, no reconciliation work on your end.

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 Build a Benefits Package That Competes?

You’re already building something worth working for. Let’s make sure your team can build their future while they help you build yours. 401GO gets you a competitive retirement plan without the cost, complexity, or distraction.