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# 401GO vs Betterment at Work Comparison - What are their main differences?

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401GOBetterment at Work[+ Add Product](#)

Reviews

**401GO** [

4.8/5(157)

](https://www.g2.com/products/401go/reviews#reviews)

**Betterment at Work** [

4.3/5(712)

](https://www.g2.com/products/betterment-at-work/reviews#reviews)

Pricing

**401GO**
 **$25.00** 25 per month | $2 per participant | 0.3% AUM fee · GO-Starter

**Betterment at Work**
 **$100.00** 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply\* · Essential

**Pricing Insights**
from reviews

Time to Implement

**401GO**
1 month

Based on 74 responses

**Betterment at Work**
1 month

Based on 395 responses

Return on Investment

**401GO**
11 months

Based on 65 responses

**Betterment at Work**
6 months5 months sooner

Based on 392 responses

Perceived Cost

**401GO**
$$$$$

**Betterment at Work**
$$$$$

Average Discount

**401GO**
5%

**Betterment at Work**
6%1% more

 ![401GO](https://images.g2crowd.com/uploads/product/hd_favicon/a58470fa2c15846d85b2291c3c9cf98c/401go.svg "401GO")

 ![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work")

G2 offers free advice on this comparison.

Chat with an expert

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Pros & Cons

**401GO**
[
401k Management (5)
](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=1342300&qs=pros-and-cons#reviews)[
Customer Support (5)
](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=1342073&qs=pros-and-cons#reviews)[
Inadequate Guidance (2)
](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=2374523&qs=pros-and-cons#reviews)[
Manual Labor (2)
](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=1946080&qs=pros-and-cons#reviews)

**Betterment at Work**
[
Ease of Use (255)
](https://www.g2.com/products/betterment-at-work/reviews?filters%5Bsentiment_snippet%5D=1849384&qs=pros-and-cons#reviews)[
Customer Support (146)
](https://www.g2.com/products/betterment-at-work/reviews?filters%5Bsentiment_snippet%5D=1853506&qs=pros-and-cons#reviews)[
Poor Customer Support (108)
](https://www.g2.com/products/betterment-at-work/reviews?filters%5Bsentiment_snippet%5D=1850881&qs=pros-and-cons#reviews)[
Limited Customization (67)
](https://www.g2.com/products/betterment-at-work/reviews?filters%5Bsentiment_snippet%5D=1853206&qs=pros-and-cons#reviews)

Integrations

**401GO**
[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_b457f3bb322dd9df548283fcaeae93b8/auris-payroll.png "Product Avatar Image")

Auris Payroll

](https://www.g2.com/products/auris-payroll/reviews)[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_ba28b86843a9316ff365c571a7a9f21b/coastal-payroll.jpeg "Product Avatar Image")

Coastal Payroll

](https://www.g2.com/products/coastal-payroll/reviews)[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_fd66f63ab4c5e4ec347ec261bdec16d5/execupay.png "Product Avatar Image")

Execupay

](https://www.g2.com/products/execupay/reviews)[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_6c0b69a4cbd4386c9d156a20bbfa5843/gusto.png "Product Avatar Image")

Gusto

](https://www.g2.com/products/gusto/reviews)[
View all
](https://www.g2.com/products/401go/integrations)

**Betterment at Work**
[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_de7b0518c01aad23330b32c4acb323dd/adp-workforce-now.jpg "Product Avatar Image")

Workforce Now

](https://www.g2.com/products/adp-workforce-now/reviews)[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_327d5ffc34540f5ba523dcd795072aeb/apex-scoring-system-apex.png "Product Avatar Image")

Apex

](https://www.g2.com/products/apex-scoring-system-apex/reviews)[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_648dde46457d881752db10d9c92d2cd1/bamboohr.png "Product Avatar Image")

BambooHR

](https://www.g2.com/products/bamboohr/reviews)[

 ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_718254de219f3d601df15293e715014f/dayforce-powerpay.png "Product Avatar Image")

Dayforce Powerpay

](https://www.g2.com/products/dayforce-powerpay/reviews)[
View all
](https://www.g2.com/products/betterment-at-work/integrations)

Screenshots

**401GO**
 ![401GO screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/130922/401go-employer-dashboard-mockup.jpg)

**Betterment at Work**
 ![Betterment at Work screenshot](https://images.g2crowd.com/cdn-cgi/image/width=600,height=600,fit=scale-down,format=auto,onerror=redirect,/https://images.g2crowd.com/uploads/attachment/file/1355348/unnamed-_41_.png)

Ratings

Meets Requirements

**401GO**

9.5

9.5124

**Betterment at Work**

8.9

8.9639

Ease of Use

**401GO**

9.3

9.3127

**Betterment at Work**

8.9

8.9659

Ease of Setup

**401GO**

9.3

9.3107

**Betterment at Work**

8.4

8.4592

Ease of Admin

**401GO**

9.3

9.397

**Betterment at Work**

8.7

8.7568

Quality of Support

**401GO**

9.6

9.6123

**Betterment at Work**

7.9

7.9611

Has the product been a good partner in doing business?

**401GO**

9.6

9.697

**Betterment at Work**

8.5

8.5565

Product Direction (% positive)

**401GO**

9.3

9.3117

**Betterment at Work**

8.3

8.3617

Features

401(k)[Hide 10 FeaturesShow 10 Features](javascript:void(0);)

9.1

119

8.5

614

Onboarding

Administrators

9.2(won by 1.2)

106

 (There is a greater than 0.5 difference between this product's rating and its competitors)

8.0

517

Employees

9.4(won by 0.6)

108

 (There is a greater than 0.5 difference between this product's rating and its competitors)

8.8

509

Dashboard

Balances

9.2(won by 0.3)

102

8.9

477

Investments

9.2(won by 0.8)

100

 (There is a greater than 0.5 difference between this product's rating and its competitors)

8.4

480

Personal Information

9.3(won by 0.7)

96

 (There is a greater than 0.5 difference between this product's rating and its competitors)

8.6

471

Compliance

IRS

9.1(won by 0.3)

79

8.8

467

Tax Benefits

9.2(won by 0.6)

87

 (There is a greater than 0.5 difference between this product's rating and its competitors)

8.6

456

Administration

Monitoring

9.0(won by 0.4)

91

8.6

471

Reporting

8.9(won by 0.7)

95

 (There is a greater than 0.5 difference between this product's rating and its competitors)

8.2

496

Generative AI

AI Image-to-Text

8.5(won by default)

13

Feature Not Available

Financial Wellness[Hide 15 FeaturesShow 15 Features](javascript:void(0);)

Not enough data

8.9

71

Platform Content

Education Tools

Not enough data

9.0(won by default)

57

Mobile Tools

Not enough data

8.8(won by default)

55

Content Library

Not enough data

8.8(won by default)

53

Platform Basics

Program Management

Not enough data

9.3(won by default)

56

Secure

Not enough data

9.2(won by default)

51

Interoperability

Not enough data

8.5(won by default)

55

Performance

Not enough data

9.3(won by default)

53

Platform Additional Functionality

Services

Not enough data

8.7(won by default)

50

Employee Portal

Not enough data

9.4(won by default)

61

Gamification

Not enough data

7.9(won by default)

42

Education

Not enough data

8.9(won by default)

47

Platform Data

Dashboard & Reporting

Not enough data

8.9(won by default)

54

Visualization

Not enough data

8.9(won by default)

48

Alerts and Notifications

Not enough data

8.6(won by default)

46

Platform Search

Not enough data

Feature Not Available

Investment Portfolio Management[Hide 84 FeaturesShow 84 Features](javascript:void(0);)

Not enough data

8.7

63

Functionality

Customizable Reporting

Not enough data

8.1(won by default)

53

Market Analytics

Not enough data

8.4(won by default)

51

Client Portal

Not enough data

9.5(won by default)

54

Investment Accounting

Not enough data

8.6(won by default)

51

Real time 

Not enough data

9.3(won by default)

54

Customizable Reporting

Not enough data

8.5(won by default)

47

Compliance

Not enough data

Feature Not Available

Investor Portal

Not enough data

Not enough data

Historical Reporting

Not enough data

Not enough data

Investor Reporting

Not enough data

Not enough data

Visual Analytics

Not enough data

Not enough data

Tax Compliance

Not enough data

Not enough data

Portfolio Reporting

Not enough data

Not enough data

Integration

Data aggregation

Not enough data

8.9(won by default)

53

Accounting Integration

Not enough data

8.7(won by default)

51

Risk Management

Not enough data

Feature Not Available

Portfolio Accounting

Not enough data

Not enough data

Contact Management

Not enough data

Not enough data

Workflow Management

Not enough data

Not enough data

Investor Management

Not enough data

Not enough data

Trade Management

Not enough data

Not enough data

Investment Management

Not enough data

Not enough data

Portfolio Management

Not enough data

Not enough data

Document Management

Not enough data

Not enough data

Compliance Management

Not enough data

Not enough data

Order Management

Not enough data

Not enough data

Fund Management

Not enough data

Not enough data

Tax Management

Not enough data

Not enough data

Cash Management

Not enough data

Not enough data

Client Management

Not enough data

Not enough data

Fee Management

Not enough data

Not enough data

Financial Management

Not enough data

Not enough data

Stock Management

Not enough data

Not enough data

Agentic AI - Investment Portfolio Management

Multi-step Planning

Not enough data

8.1(won by default)

21

Cross-system Integration

Not enough data

9.0(won by default)

22

Adaptive Learning

Not enough data

8.7(won by default)

21

Proactive Assistance

Not enough data

8.6(won by default)

21

Forecasting

Not enough data

Not enough data

Third-Party Integrations

Not enough data

Not enough data

Categorization/Grouping

Not enough data

Not enough data

Budgeting/Forecasting

Not enough data

Not enough data

Additional Functionality

Risk Assessment

Not enough data

Not enough data

Automated Execution

Not enough data

Not enough data

Monitoring

Not enough data

Not enough data

Financial Analysis

Not enough data

Not enough data

Cryptocurrency Tracking

Not enough data

Not enough data

Generative AI

Not enough data

Not enough data

Profit/Loss Statement

Not enough data

Not enough data

Risk Analysis

Not enough data

Not enough data

General Ledger

Not enough data

Not enough data

Customizable Reports

Not enough data

Not enough data

Investor Communication

Not enough data

Not enough data

Performance Analysis

Not enough data

Not enough data

Performance Metrics

Not enough data

Not enough data

AI Copilot

Not enough data

Not enough data

Portfolio Analysis

Not enough data

Not enough data

Activity Tracking

Not enough data

Not enough data

CRM

Not enough data

Not enough data

For Hedge Funds

Not enough data

Not enough data

Audit Trail

Not enough data

Not enough data

Data Import/Export

Not enough data

Not enough data

Collaboration Tools

Not enough data

Not enough data

Mobile Access

Not enough data

Not enough data

Modeling & Simulation

Not enough data

Not enough data

Compliance Tracking

Not enough data

Not enough data

For Investment Advisors

Not enough data

Not enough data

Portfolio Rebalancing

Not enough data

Not enough data

Investment Research

Not enough data

Not enough data

Commodity Futures

Not enough data

Not enough data

API

Not enough data

Not enough data

Activity Dashboard

Not enough data

Not enough data

Benchmarking

Not enough data

Not enough data

Alerts/Notifications

Not enough data

Not enough data

Investments Tracking

Not enough data

Not enough data

Bonds/Stocks

Not enough data

Not enough data

For Investors & Traders

Not enough data

Not enough data

Multi-Currency

Not enough data

Not enough data

Stock Tracking

Not enough data

Not enough data

Watch List

Not enough data

Not enough data

What-if Analysis

Not enough data

Not enough data

Goal Setting/Tracking

Not enough data

Not enough data

Wash Sale Detection

Not enough data

Not enough data

For Traders

Not enough data

Not enough data

Side-by-Side Comparison

Not enough data

Not enough data

User Insights

Reviewers' Company Size

[![401GO](https://images.g2crowd.com/uploads/product/hd_favicon/a58470fa2c15846d85b2291c3c9cf98c/401go.svg "401GO")](https://www.g2.com/products/401go/reviews)

401GO

Small-Business(50 or fewer emp.)

91.4%

Mid-Market(51-1000 emp.)

8.6%

Enterprise(\> 1000 emp.)

0%

[![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work")](https://www.g2.com/products/betterment-at-work/reviews)

Betterment at Work

Small-Business(50 or fewer emp.)

69.2%

Mid-Market(51-1000 emp.)

29.2%

Enterprise(\> 1000 emp.)

1.6%

Small-Business

(50 or fewer emp.)

91.4%

69.2%

Mid-Market

(51-1000 emp.)

8.6%

29.2%

Enterprise

(\> 1000 emp.)

0%

1.6%

Reviewers' Industry

[![401GO](https://images.g2crowd.com/uploads/product/hd_favicon/a58470fa2c15846d85b2291c3c9cf98c/401go.svg "401GO")](https://www.g2.com/products/401go/reviews)
401GO

Financial Services

15.3%

Accounting

12.0%

Hospital & Health Care

10.0%

Construction

8.0%

Computer Software

4.0%

Other

50.7%

[![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work")](https://www.g2.com/products/betterment-at-work/reviews)
Betterment at Work

Computer Software

10.7%

Information Technology and Services

8.3%

Construction

5.6%

Financial Services

5.4%

Hospital & Health Care

5.1%

Other

64.9%

FAQs

## 401GO vs Betterment at Work FAQs

Generated using AI

Last updated: August 15, 2026

### What is the difference between Betterment at Work vs 401GO?

401GO stands out from Betterment at Work with higher reviewer ratings, superior setup and support scores, and a stronger small-business focus.

| [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) | [401GO](https://www.g2.com/products/401go/reviews) |
| --- | --- |
| 4.3/5 (709 reviews) | 4.8/5 (157 reviews) |
| Small-Business | Small-Business |
| 8.4 | 9.3 |
| 7.9 | 9.6 |
| Ease of Use (251 all-time mentions) | 401k Management (5 all-time mentions) |

### How do the pricing models of Betterment at Work and 401GO compare?

401GO is rated as the stronger value by reviewers, with higher satisfaction on price and cost-related dimensions.

- **Betterment at Work:** Reviewers highlight attractive pricing and low-cost index fund investing, but some mention participant fees as a drawback.
- **401GO:** Reviewers consistently praise 401GO for its affordability and unbeatable pricing, especially for small businesses.
- **Switching reasons:** Several reviewers cite moving to 401GO for lower costs and easier administration compared to previous providers.

### What are the best alternatives to Betterment at Work and 401GO?

The top three alternatives to Betterment at Work and 401GO are Human Interest, Gusto 401(k), and Morningstar Direct.

| Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength |
| --- | --- | --- | --- | --- |
| [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) | 4.3/5 (709 reviews) | Small-Business | Reviewers highlight attractive pricing and low-cost index fund investing | Ease of Use (251 all-time mentions) |
| [401GO](https://www.g2.com/products/401go/reviews) | 4.8/5 (157 reviews) | Small-Business | Consistently praised for affordability and unbeatable pricing | 401k Management (5 all-time mentions) |
| [Human Interest](https://www.g2.com/products/human-interest/reviews) | 4.3/5 (2447 reviews) | Small-Business | — | Ease of Use |
| [Gusto 401(k)](https://www.g2.com/products/gusto-401-k/reviews) | 4.5/5 (1156 reviews) | Small-Business | — | Payroll Integration |
| [Morningstar Direct](https://www.g2.com/products/morningstar-direct/reviews) | 4.1/5 (426 reviews) | Small-Business | — | Investment Research Tools |

### Which 401(k) features should I prioritize when comparing Betterment at Work and 401GO?

Buyers comparing Betterment at Work and 401GO should prioritize Ease of Setup, Quality of Support, Integrations, Ease of Use, and Pricing.

- **Ease of Setup:** Betterment at Work scores 8.4; 401GO scores 9.3, indicating a notable advantage for 401GO.
- **Quality of Support:** Betterment at Work scores 7.9; 401GO scores 9.6, with 401GO showing a significant lead.
- **Integrations:** Betterment at Work is frequently cited for integrations with Gusto (43 all-time mentions) and Rippling (28 all-time mentions); 401GO is praised for payroll integration in recent reviews.
- **Ease of Use:** Betterment at Work scores 8.9; 401GO scores 9.3, with both products rated highly but 401GO leading.
- **Pricing:** Reviewers consistently praise 401GO for affordability, while Betterment at Work is noted for low-cost index fund investing but with some participant fee concerns.

### What are the pros and cons of Betterment at Work vs 401GO?

401GO's headline strength is superior ease of setup and support, while Betterment at Work is most praised for its user interface and ease of use.

- **Betterment at Work strengths:** Ease of Use (251 all-time mentions), User Interface (116), Navigation Ease (67), Reporting (17), Communication (11).
- **Betterment at Work trade-offs:** Reviewers note email issues (15 all-time mentions), slow or unresponsive support, and some integration challenges.
- **401GO strengths:** 401k Management (5 all-time mentions), Customer Support (5), Ease of Use (5), User Interface (4), Easy Management (3), Easy Setup (3), Small Business Support (3), Payroll Integration (2), Automation (2).
- **401GO trade-offs:** Some reviewers mention inadequate guidance, manual labor, payroll issues, and limited investment options.

### Is Betterment at Work or 401GO better for small businesses?

401GO is the better fit for small businesses, with both the largest segment and strong small-business reviewer sentiment.

- **Betterment at Work:** Small-Business is the largest segment, with reviewers appreciating its low-cost model and payroll integrations, but some note support and setup challenges.
- **401GO:** Small-Business is the largest segment, and reviewers consistently highlight its affordability, easy setup, and strong support for small business needs.

### Which 401(k) platform has better integrations?

Betterment at Work is favored for integrations, with more frequent reviewer mentions of payroll and HR tool connections.

- **Betterment at Work:** Gusto (43 all-time mentions), Rippling (28), Justworks (4) are the most frequently cited integrations.
- **401GO:** Reviewers mention payroll integration and QBO, but with fewer all-time mentions and some concerns about integration reliability.

### How do Betterment at Work and 401GO compare on customer support?

401GO leads Betterment at Work on Quality of Support by a material margin, with a 1.7-point advantage (9.6 vs 7.9).

- **Betterment at Work:** Reviewers report mixed support experiences, with some citing slow or unresponsive service and others noting helpful representatives.
- **401GO:** Reviewers consistently praise responsive, knowledgeable, and personable support, with many highlighting quick resolutions and dedicated account managers.

### Which is easier to implement, Betterment at Work or 401GO?

401GO is rated higher for Ease of Setup, with a 0.9-point advantage over Betterment at Work (9.3 vs 8.4).

- **Betterment at Work:** Reviewers describe setup as generally straightforward but mention occasional integration and onboarding challenges.
- **401GO:** Reviewers consistently highlight very easy and fast setup, with many noting guided onboarding and minimal administrative burden.

### Which product has better Employees?

Betterment at Work and 401GO are both highly rated for employee-related features, with Betterment at Work leading in all-time mention counts for employee experience.

- **Betterment at Work:** Ease of Use (251 all-time mentions), User Interface (116), Navigation Ease (67), and positive employee experience are frequently cited.
- **401GO:** Reviewers note ease of management for employees and administrators, with 401k Management (5 all-time mentions) and Small Business Support (3) as strengths.

Alternatives

**401GO Alternatives**

 ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest")

[
Human Interest
](/products/human-interest/reviews)

 ![Gusto 401(k)](https://images.g2crowd.com/uploads/product/hd_favicon/5bd4687cbbe7bb593fbb667c748322bc/gusto-401-k.svg "Gusto 401(k)")

[
Gusto 401(k)
](/products/gusto-401-k/reviews)

 ![ForUsAll](https://images.g2crowd.com/uploads/product/hd_favicon/1e4659ef17c993b40ecdb3c584e9444d/forusall.svg "ForUsAll")

[
ForUsAll
](/products/forusall/reviews)

 ![Vestwell](https://images.g2crowd.com/uploads/product/image/thumb_square/thumb_square_6e7af175614d59dd7ad1464675d901b5/vestwell.png "Vestwell")

[
Vestwell
](/products/vestwell/reviews)

**Betterment at Work Alternatives**

 ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest")

[
Human Interest
](/products/human-interest/reviews)

 ![Gusto 401(k)](https://images.g2crowd.com/uploads/product/hd_favicon/5bd4687cbbe7bb593fbb667c748322bc/gusto-401-k.svg "Gusto 401(k)")

[
Gusto 401(k)
](/products/gusto-401-k/reviews)

 ![Morningstar Direct](https://images.g2crowd.com/uploads/product/hd_favicon/9aa6ec67e406c9e748b54d89d1f3a944/morningstar-direct.svg "Morningstar Direct")

[
Morningstar Direct
](/products/morningstar-direct/reviews)

 ![SmartDollar](https://images.g2crowd.com/uploads/product/hd_favicon/919c2e1b3bdbc22bd42bc574711334f8/smartdollar.svg "SmartDollar")

[
SmartDollar
](/products/smartdollar/reviews)