Your plan for a better 401(k)

We offer several tiers to fit your needs. From starter plans to full service, explore which one is right for you. If you work with a retirement advisor click here.

• 

  Essential

  An affordable, easy-to-manage 401(k) plan for your employees’ retirement.

  • $100

    monthly base fee, billed each calendar year annually ($1,200)

  • +$5

    monthly record-keeping fee per participant

  • +0.25%

    annual advisory fee

  Includes:

  • Dedicated Onboarding specialist
  • Simple payroll integrations with Gusto, Trinet, and other providers
  • 3(38) and 3(16) fiduciary services with administrative, compliance, and investment support

  • Scheduled phone and email support for plan administrators

  • Getting started webinars and emails for employees

  

• Most popular

  

  Pro

  A 401(k) built for a growing workforce, offering greater plan flexibility and benefits along with dedicated support.

  • $150

    monthly base fee, billed each calendar year annually ($1,800)

  • +$7

    monthly record-keeping fee per participant

  • +0.25%

    annual advisory fee

  Everything in our Essential plan, plus:

  • Flexible plan design features such as vesting, new comparability, and more

  • Dedicated support from your Betterment Plan Support team member via scheduled phone calls and emails

  • Guided support converting your existing plan
  • Additional employee financial benefits: 401(k) matching on student loan payments and 529 Education Savings
  • Financial Coaching available as an add-on benefit

  
• 

  Flagship

  A customizable plan with enhanced compliance guidance, personalized service through a 401(k) Consultant, and expanded employee benefits.

  Looking for a tailored pricing package or additional features? Reach out to build a plan that best suits your needs.

   

   

   

   

   

   

   

   

   

   

  

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One-time implementation fee applies. $500 for new plans, $1,000 for conversion plans.

The Annual Base fee covers the work required for compliance items for the year(s) that your plan is active on the Betterment platform. It is a set fee and not prorated because the work necessary to ensure your 401(k) plan is compliant is a yearly effort.

This fee covers preparing your plan document, annual compliance testing, draft Form 5500, and other compliance-related items. This fee is billed at the time of your first payroll upload and in Q1 of every year after that, as long as your plan is active with assets on the Betterment platform.

Estimate your savings with a Betterment 401(k).

You could earn over $15,000 in tax credits over the first three years to help cover your initial plan costs.

Estimates based on SECURE 2.0 legislation as of September 20, 2024.

Already have a 401(k) plan?

We’re here to help you seamlessly convert your existing plan.

Enter your information to see the features of all our plans.

Workplace solutions that fit the needs of your company.

• 

  All-in-one dashboard.

  Track metrics, send emails to employees directly, and access reports.
• 

  Fiduciary support.

  Administrative, compliance, and investment support as a part of serving as your 3(16) and 3(38) fiduciary.
• 

  Payroll integration.

  Streamline your administration process with simple payroll integration.
• 

  Low-cost retirement options.

  Our diverse range of portfolios gives employees options to help them save.

Your better 401(k) starts now.