Link copied to clipboard # 401GO vs Gusto 401(k) Comparison - What are their main differences? Share [ Export ](/compare/401go/gusto-401-k/export.csv) 401GOGusto 401(k)[+ Add Product](#) Pricing **401GO** **$139.00** 79 per month | $2-$7 per participant | 0.3% AUM fee | $500 set-up fee · GO-Plus **Gusto 401(k)** **$49.00** 49 per month + $6/mo per active participant Per Month · Starter **Pricing Insights** from reviews Time to Implement **401GO** 1 month Based on 74 responses **Gusto 401(k)** 1 month Based on 792 responses Return on Investment **401GO** 11 months2 months sooner Based on 65 responses **Gusto 401(k)** 13 months Based on 721 responses Perceived Cost **401GO** $$$$$ **Gusto 401(k)** $$$$$ Average Discount **401GO** 5% **Gusto 401(k)** 8%3% more ![401GO](https://images.g2crowd.com/uploads/product/hd_favicon/a58470fa2c15846d85b2291c3c9cf98c/401go.svg "401GO") ![Gusto 401(k)](https://images.g2crowd.com/uploads/product/hd_favicon/5bd4687cbbe7bb593fbb667c748322bc/gusto-401-k.svg "Gusto 401(k)") G2 offers free advice on this comparison. Chat with an expert How would you like to receive Software Advice? ![](/assets/advisor_router/laptop_form-f1a7012279826105416befde8d882ffc7589b1f9db09c93a1379d601cafe8e0d.svg) FormAnswer questions at your own pace, no call required. ![](/assets/advisor_router/ai_agent-4d78629a3ba354fed449a65c60df3a6f2eda90fb98411b711df4b25d7be52a38.svg) AI AgentChat live and get a recommendation in minutes. ![](/assets/advisor_router/phone_call_picker-c48821ec36f4182d8ee3e54cfbd3937500eec54d7b7e0cfb80dc80a8a733842f.svg) Phone CallTalk it through live with a software advisor. **Pros & Cons** from reviews **401GO** [ Ease of Use (13) ](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=1342151&qs=pros-and-cons#reviews)[ Easy Setup (11) ](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=1342557&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)[ Integration Issues (2) ](https://www.g2.com/products/401go/reviews?filters%5Bsentiment_snippet%5D=1342585&qs=pros-and-cons#reviews) **Gusto 401(k)** [ Ease of Use (171) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322972&qs=pros-and-cons#reviews)[ Easy Setup (130) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323795&qs=pros-and-cons#reviews)[ Limited Options (20) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322885&qs=pros-and-cons#reviews)[ Limited Investment Options (19) ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323356&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) **Gusto 401(k)** [ ![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/gusto-401-k/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) **Gusto 401(k)** No screenshot available **Ratings** from reviews Meets Requirements **401GO** 9.5 9.5126 **Gusto 401(k)** 9.2 9.2994 Ease of Use **401GO** 9.4 9.4129 **Gusto 401(k)** 9.3 9.31,020 Ease of Setup **401GO** 9.3 9.3109 **Gusto 401(k)** 9.2 9.2949 Ease of Admin **401GO** 9.3 9.397 **Gusto 401(k)** 9.3 9.3943 Quality of Support **401GO** 9.6 9.6125 **Gusto 401(k)** 8.7 8.7877 Has the product been a good partner in doing business? **401GO** 9.6 9.697 **Gusto 401(k)** 9.1 9.1932 Product Direction (% positive) **401GO** 9.2 9.2119 **Gusto 401(k)** 8.5 8.5974 **Features** ratings from reviews 401(k) 9.1 121 8.8 890 User Insights **Reviewers' Company Size** Small-Business(50 or fewer emp.) 91.6% Mid-Market(51-1000 emp.) 8.4% Enterprise(\> 1000 emp.) 0% Small-Business(50 or fewer emp.) 91.6% Mid-Market(51-1000 emp.) 8.4% Enterprise(\> 1000 emp.) 0% Small-Business(50 or fewer emp.) 89.6% Mid-Market(51-1000 emp.) 10.4% Enterprise(\> 1000 emp.) 0% Small-Business(50 or fewer emp.) 89.6% Mid-Market(51-1000 emp.) 10.4% Enterprise(\> 1000 emp.) 0% **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 15.1% Accounting 11.8% Hospital & Health Care 9.9% Construction 7.9% Computer Software 3.9% Other 51.3% [![Gusto 401(k)](https://images.g2crowd.com/uploads/product/hd_favicon/5bd4687cbbe7bb593fbb667c748322bc/gusto-401-k.svg "Gusto 401(k)")](https://www.g2.com/products/gusto-401-k/reviews) Gusto 401(k) Computer Software 9.9% Information Technology and Services 6.5% Accounting 6.3% Marketing and Advertising 4.9% Financial Services 4.3% Other 68.1% 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) ![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work") [ Betterment at Work ](/products/betterment-at-work/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) **Gusto 401(k) Alternatives** ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest") [ Human Interest ](/products/human-interest/reviews) ![Betterment at Work](https://images.g2crowd.com/uploads/product/hd_favicon/80255cbf814772b065215ac96c5aa13d/betterment-at-work.svg "Betterment at Work") [ Betterment at Work ](/products/betterment-at-work/reviews) ![ForUsAll](https://images.g2crowd.com/uploads/product/hd_favicon/1e4659ef17c993b40ecdb3c584e9444d/forusall.svg "ForUsAll") [ ForUsAll ](/products/forusall/reviews) ![Ubiquity Retirement](https://images.g2crowd.com/uploads/product/hd_favicon/7aed90a7ef9c4b928756a2b8e0a23258/ubiquity-retirement.svg "Ubiquity Retirement") [ Ubiquity Retirement ](/products/ubiquity-retirement/reviews) ## 401GO vs Gusto 401(k) FAQs Generated using AI Last updated: August 14, 2026 ### What is the difference between Gusto 401(k) vs 401GO? 401GO stands out from Gusto 401(k) with a higher G2 rating, stronger support scores, and a more recent focus on customer service and ease of setup for small businesses. | [Gusto 401(k)](https://www.g2.com/products/gusto-401-k/reviews) | [401GO](https://www.g2.com/products/401go/reviews) | | --- | --- | | 4.5/5 (1,156 reviews) | 4.8/5 (157 reviews) | | Small-Business | Small-Business | | 9.2 | 9.3 | | 8.7 | 9.6 | | Ease of Use (144 all-time mentions) | Customer Support (5 all-time mentions) | ### How do the pricing models of Gusto 401(k) and 401GO compare? 401GO is rated higher for value, with reviewers expressing greater satisfaction with its pricing and cost structure compared to Gusto 401(k). - **Gusto 401(k):** Recent reviews note that while pricing is reasonable and affordable, fee increases and account fees are a concern for some buyers. - **401GO:** Reviewers consistently highlight 401GO's affordability and low cost, with several describing its pricing as unbeatable for small businesses. - **Switching reasons:** Recent reviewers mention switching to 401GO for its lower costs and more transparent fee structure. ### What are the best alternatives to Gusto 401(k) and 401GO? The top three alternatives to Gusto 401(k) and 401GO are Human Interest, Betterment at Work, and — if supported — the next ranked alternative. | Product | G2 Rating (reviews) | Largest Segment | Pricing Insight | Top Reviewer-Cited Strength | | --- | --- | --- | --- | --- | | [Gusto 401(k)](https://www.g2.com/products/gusto-401-k/reviews) | 4.5/5 (1,156 reviews) | Small-Business | Reviewers describe pricing as reasonable but note recent fee increases | Ease of Use (144 all-time mentions) | | [401GO](https://www.g2.com/products/401go/reviews) | 4.8/5 (157 reviews) | Small-Business | Consistently highlighted as affordable and low cost | Customer Support (5 all-time mentions) | | [Human Interest](https://www.g2.com/products/human-interest/reviews) | 4.3/5 (2,447 reviews) | Small-Business | — | — | | [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) | 4.3/5 (709 reviews) | Small-Business | — | — | ### Which 401(k) features should I prioritize when comparing Gusto 401(k) and 401GO? Buyers comparing Gusto 401(k) and 401GO should prioritize Ease of Use, Ease of Setup, Quality of Support, Payroll Integration, and Pricing. - **Ease of Use:** Gusto 401(k) scores 9.3 with 144 all-time mentions; 401GO also scores 9.3 with 5 all-time mentions. - **Ease of Setup:** Gusto 401(k) scores 9.2 with 106 all-time mentions; 401GO scores 9.3 with 3 all-time mentions. - **Quality of Support:** Gusto 401(k) scores 8.7 with 70 all-time mentions; 401GO scores 9.6 with 5 all-time mentions. - **Payroll Integration:** Gusto 401(k) has 54 all-time mentions; 401GO has 2 recent mentions. - **Pricing:** Gusto 401(k) has 17 all-time mentions; 401GO is consistently described as affordable in recent reviews. ### What are the pros and cons of Gusto 401(k) vs 401GO? Gusto 401(k)'s headline strength is ease of use and payroll integration, while 401GO's is customer support and affordability. - **Gusto 401(k) strengths:** Ease of Use (144 all-time mentions), Easy Setup (106), Payroll Integration (54), Affordable (49), Customer Support (70), Automation (42), User Interface (35). - **Gusto 401(k) trade-offs:** Recent reviews cite fee increases and a desire for more robust reporting and analysis tools. - **401GO strengths:** Customer Support (5 all-time mentions), Ease of Use (5), Affordable (recent reviews), Easy Setup (3), Payroll Integration (2), Automation (2). - **401GO trade-offs:** Some reviewers mention inadequate guidance for beginners, manual labor for certain payroll integrations, and basic investment platform features. ### Is Gusto 401(k) or 401GO better for small businesses? 401GO is the better fit for small businesses, with a higher G2 rating and strong small-business reviewer sentiment. - **Gusto 401(k):** Largest segment is Small-Business, with reviewers highlighting ease of use and payroll integration for small teams. - **401GO:** Largest segment is Small-Business, with reviewers consistently praising affordability, easy setup, and responsive support for small business needs. ### Which 401(k) platform has better integrations? Gusto 401(k) is favored for integrations, especially with payroll providers. - **Gusto 401(k):** Gusto integration is cited in 188 all-time reviews, with 70 all-time mentions of easy integrations and 54 for payroll integration. - **401GO:** Payroll integration is mentioned in recent reviews, with 2 all-time mentions and positive feedback for integration with providers like Paycom and ADP Run. ### How do Gusto 401(k) and 401GO compare on customer support? 401GO leads Gusto 401(k) in Quality of Support by a material margin, scoring 9.6 versus 8.7. - **Gusto 401(k):** Reviewers highlight responsive support in 70 all-time mentions, but some note delays or challenges with complex issues. - **401GO:** Reviewers consistently praise fast, helpful, and personal support, with 5 all-time mentions and multiple recent reviews citing dedicated account managers and hands-on assistance. ### Which is easier to implement, Gusto 401(k) or 401GO? 401GO and Gusto 401(k) are at parity on Ease of Setup, both scoring above 9.2, with reviewers describing both as easy to implement. - **Gusto 401(k):** Reviewers frequently cite easy setup (106 all-time mentions), straightforward onboarding, and minimal administrative burden. - **401GO:** Reviewers describe setup as very easy, with several noting implementation takes minutes and is supported by hands-on guidance. ### Which product has better Employees? Gusto 401(k) is more frequently cited for its Employees feature. - **Gusto 401(k):** Employees is the most frequently mentioned feature, with 22 all-time mentions of small business support and multiple reviews highlighting employee onboarding and management. - **401GO:** Employees is cited in recent reviews for helping small businesses offer retirement plans, but with fewer all-time mentions than Gusto 401(k).