# 401GO vs Betterment at Work Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Betterment at Work excels in providing a seamless integration with payroll systems, making it easier for businesses to manage employee retirement contributions. Users appreciate how this feature simplifies the onboarding process and enhances overall efficiency.
- **Users say** that 401GO stands out for its affordability and user-friendly interface. Many find that the platform makes managing retirement plans straightforward and stress-free, allowing them to track investments quickly and easily without feeling overwhelmed.
- **According to verified reviews** , Betterment at Work offers unique features like a high yield savings account integrated with the 401k, which helps employees build emergency funds. This innovative approach has been particularly praised by users looking for comprehensive financial solutions.
- **Reviewers mention** that while Betterment at Work has a solid overall rating, its support quality is perceived as lower compared to 401GO. Users of 401GO highlight the exceptional support they receive, which contributes to a more positive experience when navigating retirement planning.
- **G2 reviewers indicate** that 401GO's automation of administrative tasks significantly reduces the workload for users. This feature is particularly beneficial for small businesses, as it allows them to focus on their core operations while ensuring compliance with retirement plan regulations.
- **Users highlight** that Betterment at Work's advanced features, such as the super catch-up automation for employees aged 60 to 63, set it apart in terms of catering to specific employee needs. However, some users feel that the platform could improve in terms of overall user satisfaction compared to 401GO.



| | 401GO | Betterment at Work | 
|---|---|---|
| **Star Rating** | 4.8 out of 5 | 4.3 out of 5 | 
| **Total Reviews** | 150 | 546 | 
| **Largest Market Segment** | Small-Business (91.7% of reviews) | Small-Business (68.9% of reviews) | 
| **Entry Level Price** | $25.00 25 per month | $2 per participant | 0.3% AUM fee | $100.00 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply* | 

---
## Top Pros & Cons

### 401GO

Pros:
- 401k Management (5 reviews)
- Customer Support (5 reviews)

Cons:
- Inadequate Guidance (2 reviews)
- Manual Labor (2 reviews)

### Betterment at Work

Pros:
- Ease of Use (255 reviews)
- Customer Support (146 reviews)

Cons:
- Poor Customer Support (108 reviews)
- Limited Customization (67 reviews)

---
## Ratings Comparison
| Rating | 401GO | Betterment at Work | 
|---|---|---|
  | **Meets Requirements** | 9.5 (119 reviews) | 8.9 (513 reviews) | 
  | **Ease of Use** | 9.3 (121 reviews) | 8.9 (531 reviews) | 
  | **Ease of Setup** | 9.3 (101 reviews) | 8.4 (479 reviews) | 
  | **Ease of Admin** | 9.3 (97 reviews) | 8.7 (453 reviews) | 
  | **Quality of Support** | 9.5 (118 reviews) | 7.8 (490 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.6 (97 reviews) | 8.5 (449 reviews) | 
  | **Product Direction (% positive)** | 9.4 (114 reviews) | 8.4 (517 reviews) | 

---
## Pricing

### 401GO

#### Entry-Level Pricing

Plan: GO-Starter

Price: $25.00 25 per month | $2 per participant | 0.3% AUM fee

Description: A very simple plan, a good alternative to a state program


Key Features:
- 15-minute guided setup
- Automated administration
- Roth (post-tax) or traditional

[Browse all 3 editions](https://www.g2.com/products/401go/pricing)

#### Free Trial

No

### Betterment at Work

#### Entry-Level Pricing

Plan: Essential

Price: $100.00 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply*

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



Key Features:
- 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

[Browse all 3 editions](https://www.g2.com/products/betterment-at-work/pricing)

#### Free Trial

No

---
## Features Comparison By Category

### Financial Wellness

| Product | Score | Reviews |
|---|---|---|
| **401GO** | N/A | N/A |
| **Betterment at Work** | 8.8/10 | 58 |

#### Platform Content

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Education Tools** | Not enough data | 9.0 (52 reviews) | 
| **Mobile Tools** | Not enough data | 8.7 (50 reviews) | 
| **Content Library** | Not enough data | 8.9 (50 reviews) | 

#### Platform Basics

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Program Management** | Not enough data | 9.2 (53 reviews) | 
| **Secure** | Not enough data | 9.1 (50 reviews) | 
| **Interoperability** | Not enough data | 8.6 (52 reviews) | 
| **Performance** | Not enough data | 9.2 (50 reviews) | 

#### Platform Additional Functionality

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Services** | Not enough data | 8.6 (48 reviews) | 
| **Employee Portal** | Not enough data | 9.3 (51 reviews) | 
| **Gamification** | Not enough data | 7.9 (42 reviews) | 
| **Education** | Not enough data | 8.9 (46 reviews) | 

#### Platform Data

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Dashboard & Reporting** | Not enough data | 8.8 (49 reviews) | 
| **Visualization** | Not enough data | 8.9 (47 reviews) | 
| **Platform Search** | Not enough data | Feature Not Available | 
| **Alerts and Notifications** | Not enough data | 8.6 (46 reviews) | 

### Investment Portfolio Management

| Product | Score | Reviews |
|---|---|---|
| **401GO** | N/A | N/A |
| **Betterment at Work** | 8.7/10 | 56 |

#### Functionality

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Customizable Reporting** | Not enough data | 8.1 (51 reviews) | 
| **Market Analytics** | Not enough data | 8.4 (51 reviews) | 
| **Client Portal** | Not enough data | 9.5 (50 reviews) | 
| **Investment Accounting** | Not enough data | 8.6 (51 reviews) | 
| **Real time ** | Not enough data | 9.2 (50 reviews) | 
| **Compliance** | Not enough data | Feature Not Available | 
| **Customizable Reporting** | Not enough data | 8.4 (46 reviews) | 

#### Integration

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Data aggregation** | Not enough data | 8.9 (51 reviews) | 
| **Accounting Integration** | Not enough data | 8.7 (49 reviews) | 
| **Risk Management** | Not enough data | Feature Not Available | 

#### Agentic AI - Investment Portfolio Management

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Multi-step Planning** | Not enough data | 8.1 (21 reviews) | 
| **Cross-system Integration** | Not enough data | 9.0 (22 reviews) | 
| **Adaptive Learning** | Not enough data | 8.7 (21 reviews) | 
| **Proactive Assistance** | Not enough data | 8.6 (21 reviews) | 

### 401(k)

| Product | Score | Reviews |
|---|---|---|
| **401GO** | 9.1/10 | 113 |
| **Betterment at Work** | 8.6/10 | 495 |

#### Onboarding

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Administrators** | 9.2 (105 reviews) | 8.0 (475 reviews) | 
| **Employees** | 9.4 (105 reviews) | 8.8 (475 reviews) | 

#### Dashboard

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Balances** | 9.2 (101 reviews) | 8.9 (469 reviews) | 
| **Investments** | 9.2 (98 reviews) | 8.4 (463 reviews) | 
| **Personal Information** | 9.3 (96 reviews) | 8.6 (459 reviews) | 

#### Compliance

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **IRS** | 9.1 (79 reviews) | 8.8 (453 reviews) | 
| **Tax Benefits** | 9.2 (87 reviews) | 8.7 (449 reviews) | 

#### Administration

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **Monitoring** | 9.0 (90 reviews) | 8.6 (460 reviews) | 
| **Reporting** | 8.9 (95 reviews) | 8.3 (459 reviews) | 

#### Generative AI

| Feature | 401GO | Betterment at Work | 
|---|---|---|
| **AI Image-to-Text** | 8.5 (13 reviews) | Feature Not Available | 

---
## Categories
**Shared Categories (1):** [401(k) Software](https://www.g2.com/categories/401-k)


**Unique to Betterment at Work (2):** [Investment Portfolio Management Software](https://www.g2.com/categories/investment-portfolio-management), [Financial Wellness Software](https://www.g2.com/categories/financial-wellness)


---
## Reviewer Demographics

### By Company Size

| Segment | 401GO | Betterment at Work | 
|---|---|---|
| **Small-Business** | 91.7% | 68.9% | 
| **Mid-Market** | 8.3% | 29.4% | 
| **Enterprise** | 0% | 1.7% | 

### By Industry

#### 401GO

- **Financial Services:** 16.0%
- **Accounting:** 12.5%
- **Hospital & Health Care:** 9.7%
- **Construction:** 8.3%
- **Computer Software:** 4.2%
- **Health, Wellness and Fitness:** 3.5%
- **Management Consulting:** 2.8%
- **Insurance:** 2.1%
- **Internet:** 2.1%
- **Investment Management:** 2.1%
- **Other:** 36.8%

#### Betterment at Work

- **Computer Software:** 10.8%
- **Information Technology and Services:** 8.8%
- **Construction:** 5.2%
- **Hospital & Health Care:** 5.2%
- **Financial Services:** 5.2%
- **Marketing and Advertising:** 4.9%
- **Non-Profit Organization Management:** 4.1%
- **Accounting:** 3.7%
- **Consulting:** 3.2%
- **Health, Wellness and Fitness:** 3.0%
- **Other:** 45.9%

---
## Alternatives

### Alternatives to 401GO

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2343 reviews)
- [Guideline](https://www.g2.com/products/guideline/reviews) — 4.5/5 stars (1154 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews)
- [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.6/5 stars (6 reviews)
- [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) — 4.2/5 stars (56 reviews)
- [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews)
- [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews)
- [Saveday](https://www.g2.com/products/saveday/reviews) — 4.0/5 stars (1 reviews)
- [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews)
- [Money intelligence](https://www.g2.com/products/money-intelligence/reviews) — 0.0/5 stars (0 reviews)

### Alternatives to Betterment at Work

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2343 reviews)
- [Guideline](https://www.g2.com/products/guideline/reviews) — 4.5/5 stars (1154 reviews)
- [Morningstar Direct](https://www.g2.com/products/morningstar-direct/reviews) — 4.0/5 stars (407 reviews)
- [SmartDollar](https://www.g2.com/products/smartdollar/reviews) — 4.8/5 stars (599 reviews)
- [Morningstar Direct Advisory Suite (formerly Advisor Workstation)](https://www.g2.com/products/morningstar-direct-advisory-suite-formerly-advisor-workstation/reviews) — 4.1/5 stars (275 reviews)
- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (209 reviews)
- [Tapcheck](https://www.g2.com/products/tapcheck/reviews) — 4.7/5 stars (139 reviews)
- [Peanut Butter](https://www.g2.com/products/peanut-butter/reviews) — 4.9/5 stars (132 reviews)
- [Koyfin](https://www.g2.com/products/koyfin/reviews) — 4.8/5 stars (123 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews)

---
## Top Discussions

### 401GO

No discussions available for this product.

### Betterment at Work

No discussions available for this product.

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/401go-vs-betterment-at-work)