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Best 401(k) Software for Small Business

Jeffrey Lin
JL
Researched and written by Jeffrey Lin

Products classified in the overall 401(k) category are similar in many regards and help companies of all sizes solve their business problems. However, small business features, pricing, setup, and installation differ from businesses of other sizes, which is why we match buyers to the right Small Business 401(k) to fit their needs. Compare product ratings based on reviews from enterprise users or connect with one of G2's buying advisors to find the right solutions within the Small Business 401(k) category.

In addition to qualifying for inclusion in the 401(k) Software category, to qualify for inclusion in the Small Business 401(k) Software category, a product must have at least 10 reviews left by a reviewer from a small business.

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G2 takes pride in showing unbiased reviews on user satisfaction in our ratings and reports. We do not allow paid placements in any of our ratings, rankings, or reports. Learn about our scoring methodologies.

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6 Listings in Small Business 401(k) Available

(2,045)4.3 out of 5
Optimized for quick response
3rd Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$120.00
  • Overview
    Expand/Collapse Overview
  • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Human Interest is an easy way to offer a 401(k)or 403(b) that scales with your business. Our transparent pricing and customizable plans make offering a retirement benefit possible for companies of all

    Users
    • Owner
    • CEO
    Industries
    • Computer Software
    • Construction
    Market Segment
    • 78% Small-Business
    • 17% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
  • Human Interest Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    237
    Easy Setup
    228
    Customer Support
    157
    401k Management
    141
    Simple
    129
    Cons
    Poor Customer Support
    78
    Difficulty Understanding
    50
    Payroll Issues
    36
    Poor Onboarding
    36
    Email Issues
    32
  • User Satisfaction
    Expand/Collapse User Satisfaction
  • Human Interest features and usability ratings that predict user satisfaction
    8.8
    Has the product been a good partner in doing business?
    Average: 8.9
    8.8
    Tax Benefits
    Average: 8.4
    8.6
    Reporting
    Average: 8.6
    8.8
    Monitoring
    Average: 8.8
  • Seller Details
    Expand/Collapse Seller Details
  • Seller Details
    Company Website
    Year Founded
    2015
    HQ Location
    San Francisco, California
    Twitter
    @humaninteresthq
    1,436 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    778 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Human Interest is an easy way to offer a 401(k)or 403(b) that scales with your business. Our transparent pricing and customizable plans make offering a retirement benefit possible for companies of all

Users
  • Owner
  • CEO
Industries
  • Computer Software
  • Construction
Market Segment
  • 78% Small-Business
  • 17% Mid-Market
Human Interest Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
237
Easy Setup
228
Customer Support
157
401k Management
141
Simple
129
Cons
Poor Customer Support
78
Difficulty Understanding
50
Payroll Issues
36
Poor Onboarding
36
Email Issues
32
Human Interest features and usability ratings that predict user satisfaction
8.8
Has the product been a good partner in doing business?
Average: 8.9
8.8
Tax Benefits
Average: 8.4
8.6
Reporting
Average: 8.6
8.8
Monitoring
Average: 8.8
Seller Details
Company Website
Year Founded
2015
HQ Location
San Francisco, California
Twitter
@humaninteresthq
1,436 Twitter followers
LinkedIn® Page
www.linkedin.com
778 employees on LinkedIn®
(1,145)4.5 out of 5
1st Easiest To Use in 401(k) software
View top Consulting Services for Guideline
Save to My Lists
Entry Level Price:$39.00
  • Overview
    Expand/Collapse Overview
  • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Guideline 401(k) is now part of Gusto. We provide a modern, integrated 401(k) experience for businesses and their teams. As part of the Gusto ecosystem, Guideline offers streamlined retirement solutio

    Users
    • Owner
    • CEO
    Industries
    • Computer Software
    • Information Technology and Services
    Market Segment
    • 90% Small-Business
    • 10% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
  • Guideline Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    200
    Easy Setup
    150
    Customer Support
    107
    401k Management
    97
    Easy Integrations
    90
    Cons
    Limited Options
    26
    Limited Investment Options
    24
    Limited Customization
    19
    Difficulty Understanding
    18
    Insufficient Information
    18
  • User Satisfaction
    Expand/Collapse User Satisfaction
  • Guideline features and usability ratings that predict user satisfaction
    9.1
    Has the product been a good partner in doing business?
    Average: 8.9
    9.1
    Tax Benefits
    Average: 8.4
    8.9
    Reporting
    Average: 8.6
    9.0
    Monitoring
    Average: 8.8
  • Seller Details
    Expand/Collapse Seller Details
  • Seller Details
    Seller
    Guideline
    Company Website
    Year Founded
    2015
    HQ Location
    Burlingame, California, United States
    Twitter
    @Guideline401k
    1,116 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    218 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Guideline 401(k) is now part of Gusto. We provide a modern, integrated 401(k) experience for businesses and their teams. As part of the Gusto ecosystem, Guideline offers streamlined retirement solutio

Users
  • Owner
  • CEO
Industries
  • Computer Software
  • Information Technology and Services
Market Segment
  • 90% Small-Business
  • 10% Mid-Market
Guideline Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
200
Easy Setup
150
Customer Support
107
401k Management
97
Easy Integrations
90
Cons
Limited Options
26
Limited Investment Options
24
Limited Customization
19
Difficulty Understanding
18
Insufficient Information
18
Guideline features and usability ratings that predict user satisfaction
9.1
Has the product been a good partner in doing business?
Average: 8.9
9.1
Tax Benefits
Average: 8.4
8.9
Reporting
Average: 8.6
9.0
Monitoring
Average: 8.8
Seller Details
Seller
Guideline
Company Website
Year Founded
2015
HQ Location
Burlingame, California, United States
Twitter
@Guideline401k
1,116 Twitter followers
LinkedIn® Page
www.linkedin.com
218 employees on LinkedIn®

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(540)4.3 out of 5
Optimized for quick response
2nd Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$100.00
  • Overview
    Expand/Collapse Overview
  • Product Description
    How are these determined?Information
    This description is provided by the seller.

    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 s

    Users
    • CEO
    • Owner
    Industries
    • Computer Software
    • Information Technology and Services
    Market Segment
    • 67% Small-Business
    • 30% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
  • Betterment at Work Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    308
    Customer Support
    170
    User Interface
    124
    Simple
    123
    Setup Ease
    114
    Cons
    Poor Customer Support
    117
    Limited Customization
    58
    Limited Investment Options
    50
    Payroll Issues
    43
    Poor Reporting
    41
  • User Satisfaction
    Expand/Collapse User Satisfaction
  • Betterment at Work features and usability ratings that predict user satisfaction
    8.5
    Has the product been a good partner in doing business?
    Average: 8.9
    8.7
    Tax Benefits
    Average: 8.4
    8.3
    Reporting
    Average: 8.6
    8.6
    Monitoring
    Average: 8.8
  • Seller Details
    Expand/Collapse Seller Details
  • Seller Details
    Company Website
    Year Founded
    2010
    HQ Location
    New York, US
    Twitter
    @Betterment
    36,624 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    607 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

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 s

Users
  • CEO
  • Owner
Industries
  • Computer Software
  • Information Technology and Services
Market Segment
  • 67% Small-Business
  • 30% Mid-Market
Betterment at Work Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
308
Customer Support
170
User Interface
124
Simple
123
Setup Ease
114
Cons
Poor Customer Support
117
Limited Customization
58
Limited Investment Options
50
Payroll Issues
43
Poor Reporting
41
Betterment at Work features and usability ratings that predict user satisfaction
8.5
Has the product been a good partner in doing business?
Average: 8.9
8.7
Tax Benefits
Average: 8.4
8.3
Reporting
Average: 8.6
8.6
Monitoring
Average: 8.8
Seller Details
Company Website
Year Founded
2010
HQ Location
New York, US
Twitter
@Betterment
36,624 Twitter followers
LinkedIn® Page
www.linkedin.com
607 employees on LinkedIn®
  • Overview
    Expand/Collapse Overview
  • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Betterment Advisor Solutions is the all-in-one custodial platform purpose-built for independent RIAs, helping you serve more clients, more efficiently, across investing, retirement, and cash. Powe

    Users
    No information available
    Industries
    • Financial Services
    • Investment Management
    Market Segment
    • 66% Small-Business
    • 2% Enterprise
  • Pros and Cons
    Expand/Collapse Pros and Cons
  • Betterment Advisor Solutions Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    19
    Customer Support
    12
    Simple
    8
    Ease of Access
    7
    User Interface
    7
    Cons
    Limited Customization
    5
    Limited Options
    5
    Limited Investment Options
    4
    Not User-Friendly
    4
    Feature Deficiency
    2
  • User Satisfaction
    Expand/Collapse User Satisfaction
  • Betterment Advisor Solutions features and usability ratings that predict user satisfaction
    9.0
    Has the product been a good partner in doing business?
    Average: 8.9
    8.1
    Tax Benefits
    Average: 8.4
    6.9
    Reporting
    Average: 8.6
    9.0
    Monitoring
    Average: 8.8
  • Seller Details
    Expand/Collapse Seller Details
  • Seller Details
    Company Website
    Year Founded
    2010
    HQ Location
    New York, US
    Twitter
    @Betterment
    36,624 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    607 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Betterment Advisor Solutions is the all-in-one custodial platform purpose-built for independent RIAs, helping you serve more clients, more efficiently, across investing, retirement, and cash. Powe

Users
No information available
Industries
  • Financial Services
  • Investment Management
Market Segment
  • 66% Small-Business
  • 2% Enterprise
Betterment Advisor Solutions Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
19
Customer Support
12
Simple
8
Ease of Access
7
User Interface
7
Cons
Limited Customization
5
Limited Options
5
Limited Investment Options
4
Not User-Friendly
4
Feature Deficiency
2
Betterment Advisor Solutions features and usability ratings that predict user satisfaction
9.0
Has the product been a good partner in doing business?
Average: 8.9
8.1
Tax Benefits
Average: 8.4
6.9
Reporting
Average: 8.6
9.0
Monitoring
Average: 8.8
Seller Details
Company Website
Year Founded
2010
HQ Location
New York, US
Twitter
@Betterment
36,624 Twitter followers
LinkedIn® Page
www.linkedin.com
607 employees on LinkedIn®
(149)4.8 out of 5
Optimized for quick response
5th Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$19.00
  • Overview
    Expand/Collapse Overview
  • Product Description
    How are these determined?Information
    This description is provided by the seller.

    401GO is a type of retirement plan solution designed to help small businesses and their employees access affordable and efficient 401(k) plans. Recognizing the challenges that small businesses face in

    Users
    • President
    • Owner
    Industries
    • Financial Services
    • Accounting
    Market Segment
    • 92% Small-Business
    • 8% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
  • 401GO Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    13
    Easy Setup
    12
    Customer Support
    11
    401k Management
    10
    Responsive Representatives
    5
    Cons
    Inadequate Guidance
    2
    Integration Issues
    2
    Limited Options
    2
    Manual Labor
    2
    Payroll Issues
    2
  • User Satisfaction
    Expand/Collapse User Satisfaction
  • 401GO features and usability ratings that predict user satisfaction
    9.6
    Has the product been a good partner in doing business?
    Average: 8.9
    9.2
    Tax Benefits
    Average: 8.4
    8.9
    Reporting
    Average: 8.6
    9.0
    Monitoring
    Average: 8.8
  • Seller Details
    Expand/Collapse Seller Details
  • Seller Details
    Seller
    401GO
    Company Website
    Year Founded
    2017
    HQ Location
    West Jordan, Utah
    Twitter
    @401GOtoday
    90 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    87 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

401GO is a type of retirement plan solution designed to help small businesses and their employees access affordable and efficient 401(k) plans. Recognizing the challenges that small businesses face in

Users
  • President
  • Owner
Industries
  • Financial Services
  • Accounting
Market Segment
  • 92% Small-Business
  • 8% Mid-Market
401GO Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
13
Easy Setup
12
Customer Support
11
401k Management
10
Responsive Representatives
5
Cons
Inadequate Guidance
2
Integration Issues
2
Limited Options
2
Manual Labor
2
Payroll Issues
2
401GO features and usability ratings that predict user satisfaction
9.6
Has the product been a good partner in doing business?
Average: 8.9
9.2
Tax Benefits
Average: 8.4
8.9
Reporting
Average: 8.6
9.0
Monitoring
Average: 8.8
Seller Details
Seller
401GO
Company Website
Year Founded
2017
HQ Location
West Jordan, Utah
Twitter
@401GOtoday
90 Twitter followers
LinkedIn® Page
www.linkedin.com
87 employees on LinkedIn®
(50)4.1 out of 5
Optimized for quick response
4th Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:Starting at $19.00
  • Overview
    Expand/Collapse Overview
  • Product Description
    How are these determined?Information
    This description is provided by the seller.

    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, Ub

    Users
    No information available
    Industries
    • Information Technology and Services
    • Financial Services
    Market Segment
    • 52% Small-Business
    • 14% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
  • Ubiquity Retirement Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    13
    Customer Support
    8
    Simple
    7
    Investment Options
    6
    Easy Setup
    5
    Cons
    Difficulty Understanding
    4
    Integration Issues
    2
    Lack of Phone Support
    2
    Limited Options
    2
    Plan Confusion
    2
  • User Satisfaction
    Expand/Collapse User Satisfaction
  • Ubiquity Retirement features and usability ratings that predict user satisfaction
    8.9
    Has the product been a good partner in doing business?
    Average: 8.9
    9.3
    Tax Benefits
    Average: 8.4
    9.5
    Reporting
    Average: 8.6
    9.6
    Monitoring
    Average: 8.8
  • Seller Details
    Expand/Collapse Seller Details
  • Seller Details
    Company Website
    Year Founded
    1999
    HQ Location
    San Francisco, California
    Twitter
    @ubiquitysavings
    2,530 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    87 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

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, Ub

Users
No information available
Industries
  • Information Technology and Services
  • Financial Services
Market Segment
  • 52% Small-Business
  • 14% Mid-Market
Ubiquity Retirement Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
13
Customer Support
8
Simple
7
Investment Options
6
Easy Setup
5
Cons
Difficulty Understanding
4
Integration Issues
2
Lack of Phone Support
2
Limited Options
2
Plan Confusion
2
Ubiquity Retirement features and usability ratings that predict user satisfaction
8.9
Has the product been a good partner in doing business?
Average: 8.9
9.3
Tax Benefits
Average: 8.4
9.5
Reporting
Average: 8.6
9.6
Monitoring
Average: 8.8
Seller Details
Company Website
Year Founded
1999
HQ Location
San Francisco, California
Twitter
@ubiquitysavings
2,530 Twitter followers
LinkedIn® Page
www.linkedin.com
87 employees on LinkedIn®