Best 401(k) Software for Small Business

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

Total Products under this Category: 28

Category Stats (Nov 2026)

  • Average Rating: 4.14/5 (↓0.01 vs Oct 2026) The average rating of products in this category, based on all submitted ratings
  • Top Trending Product: ADP Retirement Services (+0.51%) - Among all products in this category, ADP Retirement Services recorded the largest rating increase compared to last month

Last updated: November 12, 2026

How Does G2 Rank 401(k) Software Products?

Why You Can Trust G2's Software Rankings:

  • 30 Analysts and Data Experts
  • 4,700+ 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: 2,536

How Do G2 Users Rate Human Interest?

  • Has the product been a good partner in doing business?: 8.7/10 (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
  • 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 praise the easy setup of Human Interest, appreciating its intuitive interface and efficient onboarding process.
  • Users appreciate the ease of use of Human Interest, making 401(k) management effortless and efficient for everyone involved.
  • Users value the automatic payroll deduction feature, simplifying 401(k) management and enhancing employee satisfaction.
  • Users value the helpful customer support from Human Interest, making 401(k) management smooth and efficient.
  • Users value the simple and intuitive interface of Human Interest, enhancing both employer and employee experiences.
Cons
  • Users report poor customer support, with inconsistent communication and delays affecting their overall experience with Human Interest.
  • Users find it difficult to understand Human Interest due to a complex system and unclear communication from representatives.
  • Users express frustration with payroll issues, including slow file feeds and complex onboarding processes, complicating their experience.
  • Users experience poor onboarding due to unclear communication and complex language, making the process frustrating for newcomers.
  • Users find the email communication frustrating, citing slow responses and a preference for more direct support methods.

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
  • 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 commend the ease of use of Gusto 401(k), appreciating its user-friendly interface and straightforward setup process.
  • Users appreciate the easy setup of Gusto 401(k), enabling quick account creation and minimal ongoing management effort.
  • Users praise the responsive customer support of Gusto 401(k), sharing positive experiences with helpful representatives.
  • Users appreciate the easy integrations with payroll software, streamlining setup and saving valuable time and effort.
  • Users appreciate the ease of use and efficient administration of Gusto 401(k) for managing retirement accounts.
Cons
  • Users find the limited investment options in Gusto 401(k) restrictive, particularly regarding advanced strategies and crypto exposure.
  • Users feel the limited investment options restrict their choices and lack features like crypto exposure and ETFs.
  • Users face limited customization options in Gusto 401(k), impacting detailed reporting and specialized plan configurations.
  • Users experience poor customer support, often struggling to reach representatives and resolve initial confusion effectively.
  • Users find difficulty understanding Gusto 401(k), desiring clearer educational tools and better communication about investment details.

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: 713

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
  • LinkedIn® Page: www.linkedin.com
    669 employees on LinkedIn®
  • Phone: (845) 210-4371

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 appreciate the ease of use of Betterment at Work, finding it user-friendly and self-manageable.
  • Users commend the knowledgeable customer support of Betterment at Work, ensuring issues are effectively resolved.
  • Users appreciate the easy-to-use interface of Betterment at Work, enhancing overall experience and self-management.
  • Users value the simplicity and automation of Betterment at Work for effortless retirement management and clarity.
  • Users appreciate the easy setup of Betterment at Work, highlighting its intuitive platform and responsive support team.
Cons
  • Users experience poor customer support, often facing delays in response times and difficulty in reaching representatives.
  • Users find limited customization hampers flexibility and complicates setup, leading to delays and difficulties in implementation.
  • Users find the selection of investment options limited, which can restrict tailored financial advice for employees.
  • Users find poor reporting capabilities in Betterment at Work inconvenient, complicating access to detailed information for decision-making.
  • Users experience occasional payroll syncing issues that can complicate daily operations and create additional workloads.

What Are Recent G2 Reviews of Betterment at Work?

AI can help you find the answers. G2 helps you trust them.

Connect G2 to Claude or ChatGPT for answers grounded in G2's trusted reviews, comparisons, and pricing from real user insights.

How it works
Connect G2 to ChatGPTConnect G2 to Claude

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: 154

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
  • 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 appreciate the ease of use of 401GO, praising its intuitive interface and quick support responses.
  • Users love the easy setup of 401GO, enabling a seamless and stress-free experience for managing their 401(k) plans.
  • Users value the ease of managing 401k services with 401GO, enjoying its intuitive interface and helpful tools.
  • Users commend the excellent customer support of 401GO, appreciating quick and personable resolutions to issues.
  • Users appreciate the simplicity and affordability of 401GO, making retirement management straightforward and stress-free.
Cons
  • Users feel the need for inadequate guidance, especially beginners, to navigate the complexity of 401GO's setup and reports.
  • Users experience integration issues with Square payroll and HRIS platforms, complicating payroll processes despite overall satisfaction.
  • Users find the limited options for funds and stocks in 401GO restricts their investment choices and flexibility.
  • Users find the manual labor of adjusting rates and fixing errors cumbersome, complicating their onboarding process.
  • Users report payroll issues with incorrect retirement calculation discrepancies, occasionally causing confusion and concern.

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
  • LinkedIn® Page: www.linkedin.com
    669 employees on LinkedIn®
  • Phone: (845) 210-4371

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 highlight the easy setup and user-friendly interface of Betterment Advisor Solutions, enhancing their overall experience.
  • Users commend the responsive customer support of Betterment Advisor Solutions, enhancing their overall experience and satisfaction.
  • Users value the goals-based interface of Betterment Advisor Solutions, enhancing the overall user experience significantly.
  • Users value the easy setup of Betterment Advisor Solutions, enabling quick account openings for clients seamlessly.
  • Users praise the easy setup of Betterment Advisor Solutions, appreciating quick account openings and a user-friendly experience.
Cons
  • Users experience limited investment options with Betterment Advisor Solutions, restricting account types and contributions for joint accounts.
  • Users find limited account options frustrating, wishing for more individual stocks and diverse account types.
  • Users note a feature deficiency in Betterment Advisor Solutions, lacking certain desired functionalities and reporting options.
  • Users face difficulty understanding the support structure and finding essential information within Betterment Advisor Solutions.
  • Users report poor customer support, highlighting unhelpful tier 1 assistance and long waits for tier 2 responses.

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: 4.2/5.0

Total Reviews: 63

How Do G2 Users Rate Ubiquity Retirement?

  • Has the product been a good partner in doing business?: 9.1/10 (Category avg: 8.6/10)
  • Tax Benefits: 9.3/10 (Category avg: 8.4/10)
  • Reporting: 9.3/10 (Category avg: 8.7/10)
  • Monitoring: 9.6/10 (Category avg: 8.9/10)

Who Is the Company Behind Ubiquity Retirement?

Who Uses This Product?

  • Top Industries: Information Technology and Services, Financial Services
  • Company Size: 49% Small, 13% Medium

What Do G2 Reviewers Say About Ubiquity Retirement?

AI-generated summary from verified user reviews

Pros
  • Users find the ease of use in Ubiquity Retirement a significant advantage for both employers and employees.
  • Users appreciate the simplicity and ease of use of Ubiquity Retirement for both employees and employers.
  • Users appreciate the knowledgeable and responsive customer support of Ubiquity Retirement, enhancing their overall experience.
  • Users enjoy the easy setup of Ubiquity Retirement, finding it quick and effortless for their office needs.
  • Users value the easy integrations with systems like Gusto and ERP, enhancing their daily operations efficiently.
Cons
  • Users find the difficulties in understanding Ubiquity Retirement's resources and regulations frustrating and complex.
  • Users express a desire for limited options in fund selections, seeking more diverse investment choices.
  • Users find the plan confusion surrounding federal regulations and RMD requirements to be frustrating and unclear.
  • Users find the onboarding process poor, feeling overwhelmed and often needing support to navigate setup issues.
  • Users often find setup issues overwhelming and feel unsupported during the initial account configuration process.

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