Best 401(k) Software for Small Business

How Many 401(k) Software Products Does G2 Track?

Total Products under this Category: 28

Category Stats (Sep 2026)

  • Average Rating: 4.15/5 (↑0.06 vs Aug 2026) The average rating of products in this category, based on all submitted ratings

Last updated: September 12, 2026

How Does G2 Rank 401(k) Software Products?

Why You Can Trust G2's Software Rankings:

  • 30 Analysts and Data Experts
  • 4,600+ Authentic Reviews
  • 28+ Products
  • Unbiased Rankings

G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category.

G2 Grid® for 401(k) Software

G2 Grid® for 401(k) Software plotting products by satisfaction and market presence

Highlighted products: Human Interest, Gusto 401(k), Betterment at Work, 401GO, Betterment Advisor Solutions, and Ubiquity Retirement.

Underlying data: [Grid® JSON](https://www.g2.com/categories/401-k/grids.json?focus%5B%5D=human-interest&focus%5B%5D=gusto-401-k&focus%5B%5D=betterment-at-work&focus%5B%5D=401go&focus%5B%5D=betterment-advisor-solutions&focus%5B%5D=ubiquity-retirement&segment=small-business)

Human Interest

Human Interest is the highest-rated, fastest-growing 401(k) provider in America. Human Interest believes that employers deserve retirement benefits that run themselves, do not put unnecessary liability on the company, and have low and transparent fees. Human Interest has created the retirement platform that delivers these commitments, allowing millions of employees to access retirement benefits for the first time. Human Interest has set the new standard for 401(k), including: eliminating transaction fees, offering a cash-back incentive program for plan participants, and a customer experience guarantee. Founded in 2015 and headquartered in San Francisco, Human Interest has helped provide retirement benefits to employees at nearly 50,000 companies and counting. For more information, please visit humaninterest.com. Read our full disclosures at https://humaninterest.com/disclosures/.

Average Rating: 4.3/5.0

Total Reviews: 2,470

How Do G2 Users Rate Human Interest?

  • Has the product been a good partner in doing business?: 8.8/10 (Category avg: 8.6/10)
  • Tax Benefits: 8.8/10 (Category avg: 8.4/10)
  • Reporting: 8.7/10 (Category avg: 8.7/10)
  • Monitoring: 8.8/10 (Category avg: 8.9/10)

Who Is the Company Behind Human Interest?

  • Seller: Human Interest, Inc.
  • Company Website:
  • Year Founded: 2015
  • HQ Location: San Francisco, California
  • Twitter: @humaninteresthq
    1,454 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    899 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Owner, CEO
  • Top Industries: Construction, Computer Software
  • Company Size: 79% Small, 16% Medium

What Do G2 Reviewers Say About Human Interest?

AI-generated summary from verified user reviews

Pros
  • Users love the easy setup of Human Interest, finding it straightforward and stress-free for managing 401(k) plans.
  • Users praise the ease of use of Human Interest, enjoying a user-friendly interface and simple onboarding process.
  • Users praise the user-friendly management of 401(k) activities through Human Interest's seamless online portal and support.
  • Users praise the exceptional customer support of Human Interest, enabling seamless assistance during account setup and issue resolution.
  • Users appreciate the user-friendly interface of Human Interest, which simplifies retirement planning for everyone involved.
Cons
  • Users express frustration with poor customer support, citing lack of responsiveness and unresolved issues despite multiple contacts.
  • Users find it difficult to understand their investment performance and experience challenges in communication with Human Interest.
  • Users report significant payroll issues with delays and errors that hinder timely processing and overall satisfaction.
  • Users experience poor onboarding, with confusing opt-out processes and lack of support from account managers leading to frustration.
  • Users experience contribution issues with Human Interest, facing mismatched totals and delays that complicate management.

What Are Recent G2 Reviews of Human Interest?

Gusto 401(k)

"Gusto 401(k) is a modern, fully integrated retirement benefit built right into Gusto payroll. Formerly known as Guideline, it now runs as a core part of the Gusto platform. We handle recordkeeping, most plan administration and compliance, so you don't have to think twice about it. Employees get a simple experience to enroll, contribute, and save for their future. Our mission is simple: make offering a great retirement benefit effortless for you and your team. For informational purposes only. Not investment or tax advice."

Average Rating: 4.5/5.0

Total Reviews: 1,155

How Do G2 Users Rate Gusto 401(k)?

  • Has the product been a good partner in doing business?: 9.1/10 (Category avg: 8.6/10)
  • Tax Benefits: 9.1/10 (Category avg: 8.4/10)
  • Reporting: 8.9/10 (Category avg: 8.7/10)
  • Monitoring: 9.0/10 (Category avg: 8.9/10)

Who Is the Company Behind Gusto 401(k)?

  • Seller: Gusto
  • Company Website:
  • Year Founded: 2011
  • HQ Location: San Francisco, CA
  • Twitter: @GustoHQ
    21,245 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    10,057 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Owner, CEO
  • Top Industries: Computer Software, Information Technology and Services
  • Company Size: 89% Small, 10% Medium

What Do G2 Reviewers Say About Gusto 401(k)?

AI-generated summary from verified user reviews

Pros
  • Users love the easy and intuitive interface of Gusto 401(k), making it simple for everyone to use.
  • Users appreciate the easy setup of Gusto 401(k), finding it intuitive and user-friendly for their team.
  • Users appreciate the helpful customer support of Gusto 401(k), which aids in seamless adjustments and integration.
  • Users praise the easy integrations with QuickBooks, simplifying payroll management and enhancing overall usability.
  • Users appreciate the seamless integration of Gusto 401(k), making retirement account management straightforward and efficient.
Cons
  • Users express concern over limited investment options, particularly lacking exposure to cryptocurrencies and specific choices.
  • Users feel the limited investment options restrict their ability to customize their 401(k) to better fit personal strategies.
  • Users note limited customization options, especially for detailed reports and specific plan configurations, requiring additional support.
  • Users experience poor customer support, often waiting days for responses and encountering gaps in necessary reports.
  • Users find the inadequate guidance on investments frustrating, limiting their ability to manage their accounts effectively.

What Are Recent G2 Reviews of Gusto 401(k)?

What Are G2 Users Discussing About Gusto 401(k)?

Betterment at Work

Your business is built to grow—and so is our 401(k) plan. It's easy to manage, supports your long-term strategy, and provides proactive guidance at every step, keeping your plan running smoothly and staying compliant. Give your employees access to an easy-to-use, powerful solution for investing and retirement savings—featuring expert-built portfolios, personalized financial guidance, external account linking, and a suite of complementary tools to build wealth. All accessible through our mobile app. And with $25+ Billion in retirement AUM (as of May 10, 2026), we're a partner your business can rely on. Discover a better way to 401(k) today. Leader on G2 as of 12/12/25 for Sept-Dec '25 for 401(k) category. See more: https://www.betterment.com/award-disclosures On behalf of Betterment, G2 solicited reviews from clients in exchange for nominal compensation (i.e., $50 gift cards). Betterment reimburses G2 for this expense. Receiving an incentive to provide a review may make a customer more likely to portray Betterment favorably. Reviews may not be representative.

Average Rating: 4.3/5.0

Total Reviews: 711

How Do G2 Users Rate Betterment at Work?

  • Has the product been a good partner in doing business?: 8.5/10 (Category avg: 8.6/10)
  • Tax Benefits: 8.6/10 (Category avg: 8.4/10)
  • Reporting: 8.2/10 (Category avg: 8.7/10)
  • Monitoring: 8.6/10 (Category avg: 8.9/10)

Who Is the Company Behind Betterment at Work?

  • Seller: Betterment
  • Company Website:
  • Year Founded: 2010
  • HQ Location: New York, US
  • Twitter: @Betterment
    35,577 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    669 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: CEO, Owner
  • Top Industries: Computer Software, Information Technology and Services
  • Company Size: 68% Small, 29% Medium

What Do G2 Reviewers Say About Betterment at Work?

AI-generated summary from verified user reviews

Pros
  • Users value the user-friendly design of Betterment at Work, noting its smooth implementation and accessible dashboard.
  • Users value the responsive and helpful customer support of Betterment at Work, enhancing their overall experience.
  • Users find the user-friendly design of Betterment at Work enhances navigation and simplifies investment management.
  • Users love the user-friendly website of Betterment at Work, making training and navigation seamless for everyone.
  • Users appreciate the easy setup of Betterment at Work, enjoying a streamlined onboarding with excellent support from representatives.
Cons
  • Users report poor customer support, citing slow response times and difficulties with complex issues and compliance requests.
  • Users note limited customization options for reports and customer support, impacting flexibility and control for advisors.
  • Users note the limited investment options in Betterment at Work, hindering customization and potential diversification.
  • Users find poor reporting tools lacking in customization, impacting their specific finance and payroll needs.
  • Users face payroll issues due to poor integration, manual uploads, and a lack of alignment with major platforms.

What Are Recent G2 Reviews of Betterment at Work?

401GO

401GO is a retirement plan solution designed to help businesses and their employees easily access affordable and efficient 401(k) plans. Recognizing the challenges that small businesses face in providing retirement benefits, 401GO aims to bridge the gap by offering a streamlined approach to setting up and managing retirement plans. The target audience for 401GO includes small business owners who may have previously felt excluded from the retirement plan market due to high costs and complex setups. Many of these businesses understand the importance of providing retirement options to their employees but lack the resources or knowledge to implement such plans effectively. Key features of 401GO include a quick setup process that can be completed in just minutes, as opposed to the weeks or months typically required by traditional providers. This efficiency is complemented by an economical pricing structure that allows small businesses to offer competitive retirement benefits without straining their budgets. Additionally, the platform automate payroll integration to increase accuracy and reduce workload. 401GO handles the administrative and compliance details, freeing up business owners to focus on their core operations rather than getting bogged down in paperwork. The platform employs innovative automated technology to manage the complexities of retirement planning, ensuring that both employers and employees can easily navigate their options. This technology not only simplifies the enrollment process but also provides ongoing human support and resources to help users make informed decisions about their retirement savings. By offering a practical and beneficial 401(k) plan, 401GO empowers small businesses to enhance employee satisfaction and retention while promoting financial security for their workforce. Overall, 401GO stands out in the retirement plan market by providing a modern, vertically integrated, all-in-one solution that meets the unique needs of small businesses. Its commitment to affordability, efficiency, and comprehensive support makes it a valuable resource for employers looking to provide their employees with essential retirement benefits.

Average Rating: 4.8/5.0

Total Reviews: 152

How Do G2 Users Rate 401GO?

  • Has the product been a good partner in doing business?: 9.6/10 (Category avg: 8.6/10)
  • Tax Benefits: 9.2/10 (Category avg: 8.4/10)
  • Reporting: 8.9/10 (Category avg: 8.7/10)
  • Monitoring: 9.0/10 (Category avg: 8.9/10)

Who Is the Company Behind 401GO?

  • Seller: 401GO
  • Company Website:
  • Year Founded: 2017
  • HQ Location: West Jordan, Utah
  • Twitter: @401GOtoday
    86 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    127 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Owner, President
  • Top Industries: Financial Services, Accounting
  • Company Size: 92% Small, 8% Medium

What Do G2 Reviewers Say About 401GO?

AI-generated summary from verified user reviews

Pros
  • Users commend the ease of managing 401k services with 401GO, appreciating its user-friendly interface and support.
  • Users value the fast and personable customer support of 401GO, enhancing their overall experience significantly.
  • Users find 401GO's platform to be easy to use, appreciating the intuitive interface and responsive support.
  • Users love the intuitive interface of 401GO, making retirement management effortless and ensuring financial goals are met.
  • Users value the easy management of 401GO, appreciating its quick setup and efficient maintenance features.
Cons
  • Users find the inadequate guidance on 401GO makes setup and navigation challenging for beginners, hindering their experience.
  • Users find the manual labor in onboarding new clients and fixing enrollment issues cumbersome and time-consuming.
  • Users report payroll discrepancies that can lead to confusion, despite overall satisfaction with 401GO's service.
  • Users find the poor navigation frustrating, requiring multiple clicks and making tasks cumbersome and user-unfriendly.
  • Users find the complex administration challenging, especially without adequate guidance for beginners on setup and navigation.

What Are Recent G2 Reviews of 401GO?

What Are G2 Users Discussing About 401GO?

Betterment Advisor Solutions

Betterment Advisor Solutions is a tech-enabled custodian built for independent RIAs, helping advisors serve more clients, more efficiently, across investing, retirement, and cash. Our automated technology–tax-efficient portfolio management, streamlined back-office operations, and highly-rated user experience–paired with dedicated support–allow you to focus on what most: delivering great advice. Upgrade your experience today and visit: https://www.betterment.com/advisors. On behalf of Betterment, G2 solicited reviews from clients in exchange for nominal compensation (i.e., $50 gift cards). Betterment reimburses G2 for this expense. Receiving an incentive to provide a review may make a customer more likely to portray Betterment favorably. Reviews may not be representative of the experience of others and past success does not guarantee future results.

Average Rating: 4.4/5.0

Total Reviews: 62

How Do G2 Users Rate Betterment Advisor Solutions?

  • Has the product been a good partner in doing business?: 8.9/10 (Category avg: 8.6/10)
  • Tax Benefits: 8.1/10 (Category avg: 8.4/10)
  • Reporting: 6.9/10 (Category avg: 8.7/10)
  • Monitoring: 9.0/10 (Category avg: 8.9/10)

Who Is the Company Behind Betterment Advisor Solutions?

  • Seller: Betterment
  • Company Website:
  • Year Founded: 2010
  • HQ Location: New York, US
  • Twitter: @Betterment
    35,577 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    669 employees on LinkedIn®

Who Uses This Product?

  • Who Uses This: Financial Advisor, Owner
  • Top Industries: Financial Services, Investment Management
  • Company Size: 69% Small, 2% Large

What Do G2 Reviewers Say About Betterment Advisor Solutions?

AI-generated summary from verified user reviews

Pros
  • Users value the ease of use of Betterment Advisor Solutions, appreciating its straightforward interface and efficient functionality.
  • Users value the high-quality customer support from Betterment Advisor Solutions, enhancing their overall experience.
  • Users appreciate the ease of use of Betterment Advisor Solutions, facilitating efficient client management and straightforward navigation.
  • Users commend the easy setup of Betterment Advisor Solutions, making client onboarding and management seamless and straightforward.
  • Users praise the setup ease of Betterment Advisor Solutions, making it comfortable for clients to navigate the platform.
Cons
  • Users note the limited investment options with Betterment Advisor Solutions, impacting their flexibility in managing joint accounts.
  • Users note the limited options for alternative investments and encountering unavailable features, limiting overall flexibility.
  • Users find the feature deficiencies in Betterment Advisor Solutions frustrating, especially regarding trade management and reporting capabilities.
  • Users find difficulty understanding complex account types and service requests, leading to occasional challenges with Betterment Advisor Solutions.
  • Users express frustration with poor customer support, lacking direct contact options and experiencing slow processing times.

What Are Recent G2 Reviews of Betterment Advisor Solutions?

Ubiquity Retirement

Ubiquity is a retirement plan solution specifically designed for small business owners, aiming to provide them with qualified retirement plans that cater to their unique needs. Established in 1999, Ubiquity has focused on empowering businesses to secure their financial futures through effective retirement solutions. The company combines advanced technology with exceptional customer support to address the cost and compliance challenges that often hinder small businesses across the nation. Targeting small business owners, Ubiquity offers a range of customizable retirement plans that are both simple to implement and affordable. These plans are designed to meet the diverse needs of various businesses, ensuring that owners can provide their employees with valuable retirement benefits while also managing their own financial goals. Ubiquity's commitment to transforming the retirement landscape for small businesses has resulted in the successful implementation of plans for over 16,000 businesses, positively impacting hundreds of thousands of lives. Key features of Ubiquity's retirement plans include a user-friendly online platform that simplifies the enrollment process, making it easy for both employers and employees to navigate. The plans are customizable, allowing business owners to tailor their offerings to align with their specific objectives and workforce needs. Additionally, Ubiquity provides ongoing support and resources to ensure compliance with ever-changing regulations, helping businesses avoid potential pitfalls that could arise from mismanagement of retirement plans. The benefits of choosing Ubiquity extend beyond just compliance and cost-effectiveness. By offering a robust retirement plan, small businesses can enhance employee satisfaction and retention, as workers increasingly seek employers who provide comprehensive benefits. Ubiquity's focus on affordability ensures that even the smallest of businesses can access high-quality retirement solutions without straining their budgets. This combination of features and benefits positions Ubiquity as a reliable partner for small business owners looking to secure their financial futures and those of their employees.

Average Rating: 4.3/5.0

Total Reviews: 60

How Do G2 Users Rate Ubiquity Retirement?

  • Has the product been a good partner in doing business?: 9.0/10 (Category avg: 8.6/10)
  • Tax Benefits: 9.3/10 (Category avg: 8.4/10)
  • Reporting: 9.5/10 (Category avg: 8.7/10)
  • Monitoring: 9.6/10 (Category avg: 8.9/10)

Who Is the Company Behind Ubiquity Retirement?

  • Seller: Ubiquity Retirement + Savings
  • Company Website:
  • Year Founded: 1999
  • HQ Location: San Francisco, California
  • Twitter: @ubiquitysavings
    2,503 Twitter followers
  • LinkedIn® Page: www.linkedin.com
    88 employees on LinkedIn®

Who Uses This Product?

  • Top Industries: Information Technology and Services, Accounting
  • Company Size: 48% Small, 12% Medium

What Do G2 Reviewers Say About Ubiquity Retirement?

AI-generated summary from verified user reviews

Pros
  • Users appreciate the ease of use of Ubiquity Retirement, finding it straightforward and user-friendly for managing payroll.
  • Users value the ease of use of Ubiquity Retirement, finding it simple and straightforward for all employees.
  • Users praise the exceptional customer support of Ubiquity Retirement, appreciating quick responses and helpful assistance.
  • Users praise the easy setup of Ubiquity Retirement, highlighting quick installations and excellent support throughout the process.
  • Users value the seamless integrations with ERP systems, enhancing daily operations and simplifying user experience.
Cons
  • Users find the difficulty in understanding features like payroll deposit integration and resource library access frustrating.
  • Users feel there are limited options for fund selection, desiring more choices including cryptocurrency investments.
  • Users find the poor onboarding process overwhelming and often require additional support to navigate setup challenges.
  • Users find setup issues daunting, experiencing delays and confusion that hindered their onboarding process.
  • Users face integration issues that can cause confusion, although support assists in resolving these concerns.

What Are Recent G2 Reviews of Ubiquity Retirement?

What Are G2 Users Discussing About Ubiquity Retirement?

Inia Debnath
ID
Researched and written by Inia Debnath
Updated