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# Betterment at Work vs Gusto 401(k) Comparison - What are their main differences?

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Betterment at WorkGusto 401(k)[+ Add Product](#)

Reviews

**Betterment at Work** [

4.3/5(712)

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

**Gusto 401(k)**[

4.5/5(1,156)

](https://www.g2.com/products/gusto-401-k/reviews#reviews)

Pricing

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

**Gusto 401(k)**
 **$49.00** 49 per month + $6/mo per active participant Per Month · Starter

**Pricing Insights**
from reviews

Time to Implement

**Betterment at Work**
1 month

Based on 395 responses

**Gusto 401(k)**
1 month

Based on 792 responses

Return on Investment

**Betterment at Work**
6 months7 months sooner

Based on 392 responses

**Gusto 401(k)**
13 months

Based on 721 responses

Perceived Cost

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

**Gusto 401(k)**
$$$$$

Average Discount

**Betterment at Work**
6%

**Gusto 401(k)**
8%2% more

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

 ![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.

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Pros & Cons

**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)

**Gusto 401(k)**
[
Ease of Use (144)
](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322972&qs=pros-and-cons#reviews)[
Easy Setup (106)
](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323795&qs=pros-and-cons#reviews)[
Limited Investment Options (16)
](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323356&qs=pros-and-cons#reviews)[
Limited Options (15)
](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322885&qs=pros-and-cons#reviews)

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)

**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

**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)

**Gusto 401(k)**
No screenshot available

Ratings

Meets Requirements

**Betterment at Work**

8.9

8.9639

**Gusto 401(k)**

9.2

9.2994

Ease of Use

**Betterment at Work**

8.9

8.9659

**Gusto 401(k)**

9.3

9.31,020

Ease of Setup

**Betterment at Work**

8.4

8.4592

**Gusto 401(k)**

9.2

9.2949

Ease of Admin

**Betterment at Work**

8.7

8.7568

**Gusto 401(k)**

9.3

9.3943

Quality of Support

**Betterment at Work**

7.9

7.9611

**Gusto 401(k)**

8.7

8.7877

Has the product been a good partner in doing business?

**Betterment at Work**

8.5

8.5565

**Gusto 401(k)**

9.1

9.1932

Product Direction (% positive)

**Betterment at Work**

8.3

8.3617

**Gusto 401(k)**

8.5

8.5974

Features

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

8.5

614

8.8

890

Onboarding

Administrators

8.0

517

8.8(won by 0.8)

856

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

Employees

8.8

509

9.1(won by 0.3)

870

Dashboard

Balances

8.9

477

9.1(won by 0.2)

845

Investments

8.4

480

8.8(won by 0.4)

840

Personal Information

8.6

471

9.0(won by 0.4)

830

Compliance

IRS

8.8

467

9.2(won by 0.4)

796

Tax Benefits

8.6

456

9.1(won by 0.5)

804

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

Administration

Monitoring

8.6

471

9.0(won by 0.4)

813

Reporting

8.2

496

8.9(won by 0.7)

820

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

Generative AI

AI Image-to-Text

Feature Not Available

6.8(won by default)

366

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

8.9

71

Not enough data

Platform Content

Education Tools

9.0(won by default)

57

Not enough data

Mobile Tools

8.8(won by default)

55

Not enough data

Content Library

8.8(won by default)

53

Not enough data

Platform Basics

Program Management

9.3(won by default)

56

Not enough data

Secure

9.2(won by default)

51

Not enough data

Interoperability

8.5(won by default)

55

Not enough data

Performance

9.3(won by default)

53

Not enough data

Platform Additional Functionality

Services

8.7(won by default)

50

Not enough data

Employee Portal

9.4(won by default)

61

Not enough data

Gamification

7.9(won by default)

42

Not enough data

Education

8.9(won by default)

47

Not enough data

Platform Data

Dashboard & Reporting

8.9(won by default)

54

Not enough data

Visualization

8.9(won by default)

48

Not enough data

Alerts and Notifications

8.6(won by default)

46

Not enough data

Platform Search

Feature Not Available

Not enough data

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

8.7

63

Not enough data

Functionality

Customizable Reporting

8.1(won by default)

53

Not enough data

Market Analytics

8.4(won by default)

51

Not enough data

Client Portal

9.5(won by default)

54

Not enough data

Investment Accounting

8.6(won by default)

51

Not enough data

Real time 

9.3(won by default)

54

Not enough data

Customizable Reporting

8.5(won by default)

47

Not enough data

Compliance

Feature Not Available

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

Data aggregation

8.9(won by default)

53

Not enough data

Accounting Integration

8.7(won by default)

51

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

Multi-step Planning

8.1(won by default)

21

Not enough data

Cross-system Integration

9.0(won by default)

22

Not enough data

Adaptive Learning

8.7(won by default)

21

Not enough data

Proactive Assistance

8.6(won by default)

21

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

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

[![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%

[![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)

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.)

69.2%

89.6%

Mid-Market

(51-1000 emp.)

29.2%

10.4%

Enterprise

(\> 1000 emp.)

1.6%

0%

Reviewers' Industry

[![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%

[![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%

FAQs

## Betterment at Work vs Gusto 401(k) FAQs

Generated using AI

Last updated: August 14, 2026

### 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.

Alternatives

**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)

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

[
401GO
](/products/401go/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)

**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)

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

[
401GO
](/products/401go/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)