# Betterment at Work vs Gusto 401(k) Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Guideline excels in user experience, with many praising its **intuitive interface** and seamless integration with payroll providers like Gusto. Users appreciate how easy it is to navigate, stating they never feel lost or overwhelmed when accessing their accounts.
- **Users say** that Betterment at Work offers a solid management experience, particularly highlighting its **variety of investment options** that cater to individual financial goals. This flexibility is a significant advantage for those looking to tailor their retirement plans.
- **According to verified reviews** , Guideline stands out for its **quick implementation process** , with users noting that it is easy to set up and maintain. This efficiency is a key factor for small businesses looking to streamline their 401(k) offerings.
- **Reviewers mention** that while Betterment at Work provides a thorough customer support experience, it primarily operates through a ticketing system, which some users find less personal compared to Guideline's more direct support interactions.
- **G2 reviewers highlight** that Guideline's overall satisfaction metrics are higher, reflecting a strong commitment to user needs. Users frequently commend the platform for its **ease of use** and effective communication regarding updates and changes.
- **Users express** that Betterment at Work's interface is user-friendly, but some feel that it lacks the same level of **intuitive navigation** as Guideline. While reports are easily accessible, the overall experience may not be as seamless for all users.



---
## Frequently Asked Questions

### What is the difference between Gusto 401(k) vs Betterment at Work?

Gusto 401(k) stands out for higher reviewer satisfaction in setup, support, and ease of use compared to Betterment at Work.

| [Gusto 401(k)](https://www.g2.com/products/gusto-401-k/reviews) | [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) |
| --- | --- |
| G2 Rating (reviews): 4.5/5 (1,156 reviews) | G2 Rating (reviews): 4.3/5 (709 reviews) |
| Largest Segment: Small-Business | Largest Segment: Small-Business |
| Ease of Setup score: 9.2 | Ease of Setup score: 8.4 |
| Quality of Support score: 8.7 | Quality of Support score: 7.9 |
| Top Reviewer-Cited Strength: Ease of Use (144 all-time mentions) | Top Reviewer-Cited Strength: Ease of Use (251 all-time mentions) |



### How do the pricing models of Gusto 401(k) and Betterment at Work compare?

Gusto 401(k) is rated higher for value, with reviewers expressing greater satisfaction with pricing compared to Betterment at Work.

- **Gusto 401(k):** Reviewers highlight affordable pricing and transparent fees, with 49 all-time mentions of affordability and 17 for pricing.
- **Betterment at Work:** Recent reviews note attractive pricing and low-cost index fund investing, but some mention participant fees as a drawback.
- **Switching reasons:** Several reviewers cite moving to Gusto 401(k) for lower fees and easier administration, while some Betterment at Work reviewers mention considering alternatives due to support and fee concerns.



### What are the best alternatives to Gusto 401(k) and Betterment at Work?

The top 3 alternatives to Gusto 401(k) and Betterment at Work are Human Interest, 401GO, and —.

| 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 | Affordable and transparent fees | Ease of Use |
| [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) | 4.3/5 (709 reviews) | Small-Business | Low-cost index fund investing | Ease of Use |
| [Human Interest](https://www.g2.com/products/human-interest/reviews) | 4.3/5 (2,447 reviews) | Small-Business | — | — |
| [401GO](https://www.g2.com/products/401go/reviews) | 4.8/5 (157 reviews) | Small-Business | — | — |



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

Buyers should prioritize Ease of Setup, Ease of Use, Quality of Support, Payroll Integration, and Pricing when comparing Gusto 401(k) and Betterment at Work.

- **Ease of Setup:** Gusto 401(k) scores 9.2; Betterment at Work scores 8.4.
- **Ease of Use:** Gusto 401(k) scores 9.3 (144 all-time mentions); Betterment at Work scores 8.9 (251 all-time mentions).
- **Quality of Support:** Gusto 401(k) scores 8.7; Betterment at Work scores 7.9.
- **Payroll Integration:** Gusto 401(k) has 54 all-time mentions; Betterment at Work has 43 all-time mentions.
- **Pricing:** Gusto 401(k) has 49 all-time mentions of affordability and 17 for pricing; Betterment at Work is noted for low-cost index fund investing but also participant fee concerns.



### What are the pros and cons of Gusto 401(k) vs Betterment at Work?

Gusto 401(k)'s headline strength is ease of use and setup, while Betterment at Work is most praised for its user interface and navigation.

- **Gusto 401(k) strengths:** Ease of Use (144 all-time mentions), Easy Setup (106), Customer Support (70), Easy Integrations (70), Payroll Integration (54), Affordable (49), Automation (42), User Interface (35), Small Business Support (22).
- **Gusto 401(k) trade-offs:** Reviewers mention fee increases and desire for more robust reporting and analysis tools.
- **Betterment at Work strengths:** Ease of Use (251 all-time mentions), User Interface (116), Navigation Ease (67), Reporting (17), Communication (11), low-cost index fund investing.
- **Betterment at Work trade-offs:** Reviewers cite email issues (15 all-time mentions), slow or unresponsive customer support, participant fees, and some integration challenges.



### Is Gusto 401(k) or Betterment at Work better for small businesses?

Gusto 401(k) is the stronger fit for small businesses, with more consistent positive sentiment and features tailored to this segment.

- **Gusto 401(k):** Largest segment is Small-Business; reviewers highlight ease of setup, payroll integration, and affordability for small companies.
- **Betterment at Work:** Largest segment is Small-Business; reviewers note ease of use and low-cost investing, but also mention support and integration challenges for small teams.



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

Gusto 401(k) is favored for integrations, with more reviewer-cited integration mentions than Betterment at Work.

- **Gusto 401(k):** Gusto integration is cited in 188 all-time reviews, with additional mentions for QuickBooks and TriNet.
- **Betterment at Work:** Gusto integration is cited in 43 all-time reviews, with additional mentions for Rippling (28) and Justworks (4).



### How do Gusto 401(k) and Betterment at Work compare on customer support?

Gusto 401(k) outperforms Betterment at Work on Quality of Support by a material margin of 0.8 points (8.7 vs 7.9).

- **Gusto 401(k):** Reviewers consistently praise responsive and helpful customer support, with 70 all-time mentions.
- **Betterment at Work:** Support experiences are mixed, with some reviewers noting helpfulness but others citing slow or unresponsive support and 15 all-time mentions of email issues.



### Which is easier to implement, Gusto 401(k) or Betterment at Work?

Gusto 401(k) is easier to implement, with a 0.8-point advantage in Ease of Setup (9.2 vs 8.4).

- **Gusto 401(k):** Reviewers highlight straightforward setup, clear instructions, and minimal administrative burden.
- **Betterment at Work:** Reviewers describe initial setup as generally easy but note some integration challenges and a steeper learning curve for administrators.



### Which product has better Employees?

Gusto 401(k) and Betterment at Work are both highly rated for the Employees feature, with strong reviewer sentiment for employee management and experience.

- **Gusto 401(k):** 401k Management (59 all-time mentions), Easy Management (33), Small Business Support (22), and positive feedback on employee onboarding and administration.
- **Betterment at Work:** Reviewers highlight ease of employee enrollment, automated contributions, and user-friendly interfaces for employees.



| | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Star Rating** | 4.3 out of 5 | 4.5 out of 5 | 
| **Total Reviews** | 711 | 1,156 | 

---
## Top Pros & Cons

### Betterment at Work

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

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

### Gusto 401(k)

Pros:
- Ease of Use (144 reviews)
- Easy Setup (106 reviews)

Cons:
- Limited Investment Options (16 reviews)
- Limited Options (15 reviews)

---
## Ratings Comparison
| Rating | Betterment at Work | Gusto 401(k) | 
|---|---|---|
  | **Meets Requirements** | 8.9 (638 reviews) | 9.2 (994 reviews) | 
  | **Ease of Use** | 8.9 (658 reviews) | 9.3 (1020 reviews) | 
  | **Ease of Setup** | 8.4 (591 reviews) | 9.2 (949 reviews) | 
  | **Ease of Admin** | 8.7 (568 reviews) | 9.3 (943 reviews) | 
  | **Quality of Support** | 7.9 (611 reviews) | 8.7 (877 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.5 (565 reviews) | 9.1 (932 reviews) | 
  | **Product Direction (% positive)** | 8.3 (616 reviews) | 8.5 (974 reviews) | 

---
## Pricing

### 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

### Gusto 401(k)

#### Entry-Level Pricing

Plan: Starter

Price: $49.00 49 per month + $6/mo per active participant Per Month

Description: A simplified 401(k) with limited features and easy administration.

Key Features:
- $6,000 employee contribution limit*****
- No employer contributions
- Exempt from IRS testing

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

#### Free Trial

No

---
## Features Comparison By Category

### Financial Wellness

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | 8.9/10 | 71 |
| **Gusto 401(k)** | N/A | N/A |

#### Platform Content

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Education Tools** | 9.0 (57 reviews) | Not enough data | 
| **Mobile Tools** | 8.8 (55 reviews) | Not enough data | 
| **Content Library** | 8.8 (53 reviews) | Not enough data | 

#### Platform Basics

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Program Management** | 9.3 (56 reviews) | Not enough data | 
| **Secure** | 9.2 (51 reviews) | Not enough data | 
| **Interoperability** | 8.5 (55 reviews) | Not enough data | 
| **Performance** | 9.3 (53 reviews) | Not enough data | 

#### Platform Additional Functionality

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Services** | 8.7 (50 reviews) | Not enough data | 
| **Employee Portal** | 9.4 (61 reviews) | Not enough data | 
| **Gamification** | 7.9 (42 reviews) | Not enough data | 
| **Education** | 8.9 (47 reviews) | Not enough data | 

#### Platform Data

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Dashboard & Reporting** | 8.9 (54 reviews) | Not enough data | 
| **Visualization** | 8.9 (48 reviews) | Not enough data | 
| **Platform Search** | Feature Not Available | Not enough data | 
| **Alerts and Notifications** | 8.6 (46 reviews) | Not enough data | 

### Investment Portfolio Management

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | 8.7/10 | 63 |
| **Gusto 401(k)** | N/A | N/A |

#### Functionality

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Customizable Reporting** | 8.1 (53 reviews) | Not enough data | 
| **Market Analytics** | 8.4 (51 reviews) | Not enough data | 
| **Client Portal** | 9.5 (54 reviews) | Not enough data | 
| **Investment Accounting** | 8.6 (51 reviews) | Not enough data | 
| **Real time ** | 9.3 (54 reviews) | Not enough data | 
| **Compliance** | Feature Not Available | Not enough data | 
| **Customizable Reporting** | 8.5 (47 reviews) | Not enough data | 
| **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

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Data aggregation** | 8.9 (53 reviews) | Not enough data | 
| **Accounting Integration** | 8.7 (51 reviews) | Not enough data | 
| **Risk Management** | Feature Not Available | Not enough data | 
| **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

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

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **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 | 

### 401(k)

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | 8.5/10 | 613 |
| **Gusto 401(k)** | 8.8/10 | 890 |

#### Onboarding

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Administrators** | 8.0 (517 reviews) | 8.8 (856 reviews) | 
| **Employees** | 8.8 (508 reviews) | 9.1 (870 reviews) | 

#### Dashboard

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Balances** | 8.9 (477 reviews) | 9.1 (845 reviews) | 
| **Investments** | 8.4 (479 reviews) | 8.8 (840 reviews) | 
| **Personal Information** | 8.6 (471 reviews) | 9.0 (830 reviews) | 

#### Compliance

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **IRS** | 8.8 (467 reviews) | 9.2 (796 reviews) | 
| **Tax Benefits** | 8.6 (456 reviews) | 9.1 (804 reviews) | 

#### Administration

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Monitoring** | 8.6 (471 reviews) | 9.0 (813 reviews) | 
| **Reporting** | 8.2 (496 reviews) | 8.9 (820 reviews) | 

#### Generative AI

| Feature | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **AI Image-to-Text** | Feature Not Available | 6.8 (366 reviews) | 

---
## 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 | Betterment at Work | Gusto 401(k) | 
|---|---|---|
| **Small-Business** | 69.1% | 89.6% | 
| **Mid-Market** | 29.3% | 10.4% | 
| **Enterprise** | 1.6% | 0% | 

### By Industry

#### 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%
- **Marketing and Advertising:** 4.5%
- **Non-Profit Organization Management:** 4.4%
- **Accounting:** 3.6%
- **Consulting:** 3.2%
- **Health, Wellness and Fitness:** 3.0%
- **Other:** 46.2%

#### 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%
- **Hospital & Health Care:** 4.3%
- **Construction:** 4.2%
- **Non-Profit Organization Management:** 3.9%
- **Legal Services:** 3.8%
- **Consulting:** 3.7%
- **Other:** 48.1%

---
## Alternatives

### Alternatives to Betterment at Work

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2493 reviews)
- [401GO](https://www.g2.com/products/401go/reviews) — 4.8/5 stars (157 reviews)
- [Morningstar Direct](https://www.g2.com/products/morningstar-direct/reviews) — 4.1/5 stars (438 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 (302 reviews)
- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (232 reviews)
- [Koyfin](https://www.g2.com/products/koyfin/reviews) — 4.8/5 stars (134 reviews)
- [Tapcheck](https://www.g2.com/products/tapcheck/reviews) — 4.7/5 stars (139 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (25 reviews)
- [Peanut Butter](https://www.g2.com/products/peanut-butter/reviews) — 4.9/5 stars (132 reviews)

### Alternatives to Gusto 401(k)

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2493 reviews)
- [401GO](https://www.g2.com/products/401go/reviews) — 4.8/5 stars (157 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (25 reviews)
- [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) — 4.3/5 stars (60 reviews)
- [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.3/5 stars (10 reviews)
- [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews)
- [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews)
- [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews)
- [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews)
- [ADP Retirement Services](https://www.g2.com/products/adp-adp-retirement-services/reviews) — 4.3/5 stars (8 reviews)

---
## Top Discussions

### Betterment at Work

No discussions available for this product.

### Gusto 401(k)

- Title: [What is Guideline used for?](https://www.g2.com/discussions/what-is-guideline-used-for) — 1 comment
  > **Top comment:** "Retirement saving accounts"
- Title: [Would you possibly make monthly statements available as a feature?](https://www.g2.com/discussions/50689-would-you-possibly-make-monthly-statements-available-as-a-feature) — 1 comment, 1 upvote
  > **Top comment:** "yes"
- Title: [Can I use this for myself as the owner?](https://www.g2.com/discussions/46542-can-i-use-this-for-myself-as-the-owner) — 1 comment, 1 upvote
  > **Top comment:** "Yes, you can use this as the owner and reap the benefits of whatever company match you decide to offer."

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