# 401GO, Human Interest vs Betterment at Work Comparison

| | 401GO | Human Interest | Betterment at Work | 
|---|---|---|---|
| **Star Rating** | 4.8 out of 5 | 4.3 out of 5 | 4.3 out of 5 | 
| **Total Reviews** | 153 | 2,375 | 546 | 
| **Largest Market Segment** | Small-Business (91.2% of reviews) | Small-Business (82.7% of reviews) | Small-Business (68.9% of reviews) | 
| **Entry Level Price** | $25.00 25 per month | $2 per participant | 0.3% AUM fee | $80.00 80 per month + $5 per eligible employee | $100.00 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply* | 

---
## Top Pros & Cons

### 401GO

Pros:
- Ease of Use (13 reviews)
- Easy Setup (11 reviews)

Cons:
- Inadequate Guidance (2 reviews)
- Integration Issues (2 reviews)

### Human Interest

Pros:
- Easy Setup (266 reviews)
- Ease of Use (242 reviews)

Cons:
- Poor Customer Support (85 reviews)
- Difficulty Understanding (46 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 | Human Interest | Betterment at Work | 
|---|---|---|---|
  | **Meets Requirements** | 9.5 (121 reviews) | 9.0 (1792 reviews) | 8.9 (513 reviews) | 
  | **Ease of Use** | 9.3 (124 reviews) | 8.9 (1829 reviews) | 8.9 (531 reviews) | 
  | **Ease of Setup** | 9.2 (104 reviews) | 8.8 (1710 reviews) | 8.4 (479 reviews) | 
  | **Ease of Admin** | 9.3 (97 reviews) | 8.9 (1535 reviews) | 8.7 (453 reviews) | 
  | **Quality of Support** | 9.6 (120 reviews) | 8.3 (1707 reviews) | 7.8 (490 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.6 (97 reviews) | 8.8 (1527 reviews) | 8.5 (449 reviews) | 
  | **Product Direction (% positive)** | 9.3 (116 reviews) | 7.8 (1735 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

### Human Interest

#### Entry-Level Pricing

Plan: Essentials

Price: $80.00 80 per month + $5 per eligible employee

Description: Your affordable all-in-one 401(k) solution.

Key Features:
- "No-Touch” integration with 500+ payroll providers 
- Flexible plan design including auto-enroll and safe harbor
- Automated administration and recordkeeping

[Browse all 3 editions](https://www.g2.com/products/human-interest/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 |
| **Human Interest** | N/A | N/A |
| **Betterment at Work** | 8.8/10 | 58 |

#### Platform Content

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

#### Platform Basics

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

#### Platform Additional Functionality

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

#### Platform Data

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

### Investment Portfolio Management

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

#### Functionality

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

#### Integration

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

#### Agentic AI - Investment Portfolio Management

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

### 401(k)

| Product | Score | Reviews |
|---|---|---|
| **401GO** | 9.1/10 | 116 |
| **Human Interest** | 8.8/10 | 1537 |
| **Betterment at Work** | 8.6/10 | 495 |

#### Onboarding

| Feature | 401GO | Human Interest | Betterment at Work | 
|---|---|---|---|
| **Administrators** | 9.2 (105 reviews) | 8.5 (1382 reviews) | 8.0 (475 reviews) | 
| **Employees** | 9.4 (106 reviews) | 8.8 (1393 reviews) | 8.8 (475 reviews) | 

#### Dashboard

| Feature | 401GO | Human Interest | Betterment at Work | 
|---|---|---|---|
| **Balances** | 9.2 (102 reviews) | 8.9 (1300 reviews) | 8.9 (469 reviews) | 
| **Investments** | 9.2 (99 reviews) | 8.7 (1267 reviews) | 8.4 (463 reviews) | 
| **Personal Information** | 9.3 (96 reviews) | 8.9 (1277 reviews) | 8.6 (459 reviews) | 

#### Compliance

| Feature | 401GO | Human Interest | Betterment at Work | 
|---|---|---|---|
| **IRS** | 9.1 (79 reviews) | 8.9 (1182 reviews) | 8.8 (453 reviews) | 
| **Tax Benefits** | 9.2 (87 reviews) | 8.8 (1189 reviews) | 8.7 (449 reviews) | 

#### Administration

| Feature | 401GO | Human Interest | Betterment at Work | 
|---|---|---|---|
| **Monitoring** | 9.0 (91 reviews) | 8.8 (1254 reviews) | 8.6 (460 reviews) | 
| **Reporting** | 8.9 (95 reviews) | 8.6 (1247 reviews) | 8.3 (459 reviews) | 

#### Generative AI

| Feature | 401GO | Human Interest | Betterment at Work | 
|---|---|---|---|
| **AI Image-to-Text** | 8.5 (13 reviews) | Feature Not Available | 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 | Human Interest | Betterment at Work | 
|---|---|---|---|
| **Small-Business** | 91.2% | 82.7% | 68.9% | 
| **Mid-Market** | 8.8% | 17.0% | 29.4% | 
| **Enterprise** | 0% | 0.3% | 1.7% | 

### By Industry

#### 401GO

- **Financial Services:** 15.6%
- **Accounting:** 12.2%
- **Hospital & Health Care:** 10.2%
- **Construction:** 8.2%
- **Computer Software:** 4.1%
- **Health, Wellness and Fitness:** 3.4%
- **Management Consulting:** 2.7%
- **Non-Profit Organization Management:** 2.7%
- **Insurance:** 2.0%
- **Internet:** 2.0%
- **Other:** 36.7%

#### Human Interest

- **Computer Software:** 6.9%
- **Construction:** 6.9%
- **Hospital & Health Care:** 5.9%
- **Information Technology and Services:** 5.6%
- **Non-Profit Organization Management:** 4.7%
- **Mental Health Care:** 3.7%
- **Health, Wellness and Fitness:** 3.4%
- **Financial Services:** 3.2%
- **Marketing and Advertising:** 3.1%
- **Accounting:** 3.0%
- **Other:** 53.6%

#### 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

- [Guideline](https://www.g2.com/products/guideline/reviews) — 4.5/5 stars (1155 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)
- [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews)

### Alternatives to Human Interest

- [Guideline](https://www.g2.com/products/guideline/reviews) — 4.5/5 stars (1155 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)
- [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews)
- [Saveday](https://www.g2.com/products/saveday/reviews) — 4.0/5 stars (1 reviews)
- [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews)
- [ShareBuilder 401k](https://www.g2.com/products/sharebuilder-401k/reviews) — 0.0/5 stars (0 reviews)

### Alternatives to Betterment at Work

- [Guideline](https://www.g2.com/products/guideline/reviews) — 4.5/5 stars (1155 reviews)
- [Morningstar Direct](https://www.g2.com/products/morningstar-direct/reviews) — 4.0/5 stars (418 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 (284 reviews)
- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (212 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 (124 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews)
- [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) — 4.2/5 stars (56 reviews)

---
## Top Discussions

### 401GO

No discussions available for this product.

### Human Interest

- Title: [Is it legal to take custody of someone's assets without notifying them or allowing them to access them?](https://www.g2.com/discussions/is-it-legal-to-take-custody-of-someone-s-assets-without-notifying-them-or-allowing-them-to-access-them) — 2 comments, 1 upvote
  > **Top comment:** "Adam, can you please reach out to our team - advocate@humaninterest.com? They'll be able to assist you best. Thanks! "
- Title: [Share your experience with Human Interest integration with payroll system.](https://www.g2.com/discussions/share-your-experience-with-human-interest-integration-with-payroll-system) — 2 comments, 1 upvote
  > **Top comment:** "My experience with Human Interest's integration is that the company have hijacked my assets without notifying me. For one month (so far), they have rejected..."
- Title: [Utilizing more Graphs on Website](https://www.g2.com/discussions/utilizing-more-graphs-on-website) — 2 comments, 1 upvote
  > **Top comment:** "Hi Zachary, I'd be happy to help. What kind of graphs are you looking to build out? If you could provide a bit of information I can help find some answers or..."
- Title: [Do you have a flyer or email that I can use to send to clients who are interested in having a retirement provider?](https://www.g2.com/discussions/do-you-have-a-flyer-or-email-that-i-can-use-to-send-to-clients-who-are-interested-in-having-a-retirement-provider) — 1 comment, 1 upvote *(includes official response)*
  > **Top comment:** "Hi Laura,

As requested, please see the link below to learn more about Human Interest's three-tier pricing structure and different levels of service:..."
- Title: [What happened to my data?](https://www.g2.com/discussions/what-happened-to-my-data) — 1 comment, 1 upvote
  > **Top comment:** "Hi Adam, 

We apologize that you haven't received the service that we strive to provide to all of our customers. We've reviewed the history of your plan..."

### 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-human-interest-vs-betterment-at-work)