401GO
401(k) software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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$19 per month
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What is 401GO
401GO is a cloud-based 401(k) plan platform that supports employers in setting up and administering workplace retirement plans. It is used by small and mid-sized businesses and their advisors to manage plan onboarding, employee enrollment, payroll contributions, and ongoing plan operations. The product positions itself as a bundled offering that combines recordkeeping with plan administration services and a participant-facing digital experience.
Digital-first plan onboarding
The platform supports online plan setup and participant enrollment workflows, reducing reliance on paper forms. This can simplify initial implementation for smaller employers that do not have dedicated benefits staff. A web-based experience also helps standardize data capture for compliance and ongoing administration.
Payroll contribution workflow support
401GO is designed to coordinate employee deferrals and employer contributions with payroll processes. This focus helps employers manage recurring contribution submissions and related participant updates. For organizations with frequent payroll changes, tighter workflow support can reduce manual follow-up.
Bundled 401(k) service model
The product is offered as an integrated package that combines software with operational services typically required to run a 401(k) plan. This can reduce vendor fragmentation for employers that prefer a single provider for core plan functions. It also provides a clear operating model for advisors supporting multiple small plans.
Limited public technical detail
Publicly available documentation on APIs, data export options, and integration depth is limited compared with some established platforms in this category. This can make it harder for buyers to validate fit for complex HRIS/payroll environments. Organizations may need to confirm integration capabilities during procurement.
Less suited to complex plans
Employers with highly customized plan designs, multiple payroll entities, or specialized compliance needs may require capabilities beyond what a streamlined SMB-focused platform typically provides. Buyers should verify support for advanced eligibility rules, contribution types, and reporting requirements. Complex conversions from prior providers may also require additional services.
Investment lineup transparency varies
Details on investment menus, managed account options, and fiduciary services can vary by plan configuration and partner arrangements. This can complicate apples-to-apples comparisons of total plan cost and participant investment experience. Prospective customers should request full fee and fund disclosures for their specific plan design.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| GO-Starter | $25 per month + $2 per participant; 0.3% AUM fee; No setup fee | For very small companies; Safe Harbor option; per-participant pricing; volume discounts available. |
| GO-Plus | $139 per month + $2–$7 per participant; 0.3% AUM fee; $500 setup fee | Most popular plan for small businesses; includes ERISA bond, dedicated relationship manager, True360™ integration. |
| GO-Enterprise | Custom pricing (contact sales) | For 200+ participants; customizable, full-featured plan — contact 401GO for a tailored quote. |
| Solo 401(k) | $19 per month; $0 per participant; 0.3% AUM fee; $250 setup fee | For sole proprietors and spouse; includes financial wellness tools and automated compliance. |
Notes: All plans reference a 0.3% AUM investment-management fee. Per-participant fees decrease with volume; some plan credits/tax credits (SECURE Act 2.0) may offset costs. Pricing and features sourced from 401GO's official pricing and FAQ pages.
