# Betterment at Work, Wisely® by ADP vs SmartDollar Comparison

| | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Star Rating** | 4.3 out of 5 | 3.5 out of 5 | 4.8 out of 5 | 
| **Total Reviews** | 546 | 45 | 599 | 
| **Largest Market Segment** | Small-Business (68.9% of reviews) | Mid-Market (53.5% of reviews) | Mid-Market (48.2% of reviews) | 
| **Entry Level Price** | $100.00 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply* | No pricing available | No pricing available | 

---
## 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)

### Wisely® by ADP

Pros:
- Early Payment Access (2 reviews)
- Access Availability (1 reviews)

Cons:
- High Fees (1 reviews)

### SmartDollar

Pros:
- Ease of Use (206 reviews)
- Helpful (182 reviews)

Cons:
- Limited Customization (27 reviews)
- High Fees (16 reviews)

---
## Ratings Comparison
| Rating | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
  | **Meets Requirements** | 8.9 (513 reviews) | 7.7 (26 reviews) | 9.3 (577 reviews) | 
  | **Ease of Use** | 8.9 (531 reviews) | 7.6 (26 reviews) | 9.1 (595 reviews) | 
  | **Ease of Setup** | 8.4 (479 reviews) | 9.2 (10 reviews) | 9.3 (558 reviews) | 
  | **Ease of Admin** | 8.7 (453 reviews) | 8.8 (8 reviews) | 9.4 (444 reviews) | 
  | **Quality of Support** | 7.8 (490 reviews) | 7.2 (24 reviews) | 9.7 (563 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.5 (449 reviews) | 8.8 (8 reviews) | 9.6 (441 reviews) | 
  | **Product Direction (% positive)** | 8.4 (517 reviews) | 6.3 (19 reviews) | 9.3 (578 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

### Wisely® by ADP

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### SmartDollar

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Financial Wellness

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | 8.8/10 | 58 |
| **Wisely® by ADP** | 8.0/10 | 12 |
| **SmartDollar** | 9.2/10 | 573 |

#### Platform Content

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Education Tools** | 9.0 (52 reviews) | 7.5 (8 reviews) | 9.6 (500 reviews) | 
| **Mobile Tools** | 8.7 (50 reviews) | 8.3 (9 reviews) | 8.9 (428 reviews) | 
| **Content Library** | 8.9 (50 reviews) | 7.2 (9 reviews) | 9.4 (506 reviews) | 

#### Platform Basics

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Program Management** | 9.2 (53 reviews) | 8.5 (9 reviews) | 9.2 (432 reviews) | 
| **Secure** | 9.1 (50 reviews) | 8.7 (9 reviews) | 9.3 (417 reviews) | 
| **Interoperability** | 8.6 (52 reviews) | 7.9 (8 reviews) | 8.4 (391 reviews) | 
| **Performance** | 9.2 (50 reviews) | 8.5 (9 reviews) | 9.4 (416 reviews) | 

#### Platform Additional Functionality

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Services** | 8.6 (48 reviews) | 7.7 (10 reviews) | 9.4 (426 reviews) | 
| **Employee Portal** | 9.3 (51 reviews) | 8.3 (10 reviews) | 9.4 (429 reviews) | 
| **Gamification** | 7.9 (42 reviews) | 7.8 (6 reviews) | 8.8 (391 reviews) | 
| **Education** | 8.9 (46 reviews) | 8.3 (8 reviews) | 9.5 (442 reviews) | 

#### Platform Data

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Dashboard & Reporting** | 8.8 (49 reviews) | 7.6 (9 reviews) | 9.1 (414 reviews) | 
| **Visualization** | 8.9 (47 reviews) | 8.1 (9 reviews) | 9.2 (404 reviews) | 
| **Platform Search** | Feature Not Available | 7.4 (7 reviews) | 9.0 (382 reviews) | 
| **Alerts and Notifications** | 8.6 (46 reviews) | 8.7 (10 reviews) | 8.8 (387 reviews) | 

### Investment Portfolio Management

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | 8.7/10 | 56 |
| **Wisely® by ADP** | N/A | N/A |
| **SmartDollar** | N/A | N/A |

#### Functionality

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Customizable Reporting** | 8.1 (51 reviews) | Not enough data | Not enough data | 
| **Market Analytics** | 8.4 (51 reviews) | Not enough data | Not enough data | 
| **Client Portal** | 9.5 (50 reviews) | Not enough data | Not enough data | 
| **Investment Accounting** | 8.6 (51 reviews) | Not enough data | Not enough data | 
| **Real time ** | 9.2 (50 reviews) | Not enough data | Not enough data | 
| **Compliance** | Feature Not Available | Not enough data | Not enough data | 
| **Customizable Reporting** | 8.4 (46 reviews) | Not enough data | Not enough data | 

#### Integration

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Data aggregation** | 8.9 (51 reviews) | Not enough data | Not enough data | 
| **Accounting Integration** | 8.7 (49 reviews) | Not enough data | Not enough data | 
| **Risk Management** | Feature Not Available | Not enough data | Not enough data | 

#### Agentic AI - Investment Portfolio Management

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Multi-step Planning** | 8.1 (21 reviews) | Not enough data | Not enough data | 
| **Cross-system Integration** | 9.0 (22 reviews) | Not enough data | Not enough data | 
| **Adaptive Learning** | 8.7 (21 reviews) | Not enough data | Not enough data | 
| **Proactive Assistance** | 8.6 (21 reviews) | Not enough data | Not enough data | 

### 401(k)

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | 8.6/10 | 495 |
| **Wisely® by ADP** | N/A | N/A |
| **SmartDollar** | N/A | N/A |

#### Onboarding

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Administrators** | 8.0 (475 reviews) | Not enough data | Not enough data | 
| **Employees** | 8.8 (475 reviews) | Not enough data | Not enough data | 

#### Dashboard

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Balances** | 8.9 (469 reviews) | Not enough data | Not enough data | 
| **Investments** | 8.4 (463 reviews) | Not enough data | Not enough data | 
| **Personal Information** | 8.6 (459 reviews) | Not enough data | Not enough data | 

#### Compliance

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **IRS** | 8.8 (453 reviews) | Not enough data | Not enough data | 
| **Tax Benefits** | 8.7 (449 reviews) | Not enough data | Not enough data | 

#### Administration

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Monitoring** | 8.6 (460 reviews) | Not enough data | Not enough data | 
| **Reporting** | 8.3 (459 reviews) | Not enough data | Not enough data | 

#### Generative AI

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **AI Image-to-Text** | Feature Not Available | Not enough data | Not enough data | 

### Earned Wage Access

| Product | Score | Reviews |
|---|---|---|
| **Betterment at Work** | N/A | N/A |
| **Wisely® by ADP** | 7.6/10 | 14 |
| **SmartDollar** | N/A | N/A |

#### Payments

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Earned wage access** | Not enough data | 8.9 (14 reviews) | Not enough data | 
| **Tips and mileage reimbursement** | Not enough data | 7.4 (9 reviews) | Not enough data | 
| **Awarding bonuses** | Not enough data | 7.7 (11 reviews) | Not enough data | 

#### Financial wellness

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Financial wellness tools** | Not enough data | 7.5 (8 reviews) | Not enough data | 
| **Automatic savings** | Not enough data | 7.3 (8 reviews) | Not enough data | 
| **Debit card** | Not enough data | 7.1 (11 reviews) | Not enough data | 

#### Administration

| Feature | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Reports and dashboards** | Not enough data | 8.0 (10 reviews) | Not enough data | 
| **Compliance** | Not enough data | 7.0 (10 reviews) | Not enough data | 
| **Mobile compatibility** | Not enough data | 7.6 (12 reviews) | Not enough data | 
| **Integrations** | Not enough data | 7.8 (9 reviews) | Not enough data | 

---
## Categories
**Shared Categories (1):** [Financial Wellness Software](https://www.g2.com/categories/financial-wellness)

**Unique to Betterment at Work (2):** [401(k) Software](https://www.g2.com/categories/401-k), [Investment Portfolio Management Software](https://www.g2.com/categories/investment-portfolio-management)

**Unique to Wisely® by ADP (1):** [Earned Wage Access Software](https://www.g2.com/categories/earned-wage-access)



---
## Reviewer Demographics

### By Company Size

| Segment | Betterment at Work | Wisely® by ADP | SmartDollar | 
|---|---|---|---|
| **Small-Business** | 68.9% | 23.3% | 42.4% | 
| **Mid-Market** | 29.4% | 53.5% | 48.2% | 
| **Enterprise** | 1.7% | 23.3% | 9.3% | 

### By Industry

#### 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%

#### Wisely® by ADP

- **Computer Software:** 9.3%
- **Logistics and Supply Chain:** 9.3%
- **Automotive:** 7.0%
- **Education Management:** 7.0%
- **Civic & Social Organization:** 4.7%
- **Entertainment:** 4.7%
- **Financial Services:** 4.7%
- **Health, Wellness and Fitness:** 4.7%
- **Staffing and Recruiting:** 4.7%
- **Security and Investigations:** 4.7%
- **Other:** 39.5%

#### SmartDollar

- **Construction:** 17.6%
- **Manufacturing:** 11.4%
- **Hospital & Health Care:** 4.8%
- **Government Administration:** 3.2%
- **Consumer Services:** 2.8%
- **Non-Profit Organization Management:** 2.8%
- **Automotive:** 2.5%
- **Insurance:** 2.5%
- **Wholesale:** 2.3%
- **Oil & Energy:** 2.2%
- **Other:** 47.8%

---
## Alternatives

### Alternatives to Betterment at Work

- [Human Interest](https://www.g2.com/products/human-interest/reviews) — 4.3/5 stars (2350 reviews)
- [Guideline](https://www.g2.com/products/guideline/reviews) — 4.5/5 stars (1154 reviews)
- [Morningstar Direct](https://www.g2.com/products/morningstar-direct/reviews) — 4.0/5 stars (406 reviews)
- [401GO](https://www.g2.com/products/401go/reviews) — 4.8/5 stars (150 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 (275 reviews)
- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (209 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 (123 reviews)
- [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews)

### Alternatives to Wisely® by ADP

- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (209 reviews)
- [DailyPay](https://www.g2.com/products/dailypay/reviews) — 4.7/5 stars (92 reviews)
- [Payactiv](https://www.g2.com/products/payactiv/reviews) — 4.5/5 stars (83 reviews)
- [Paycom](https://www.g2.com/products/paycom/reviews) — 4.5/5 stars (6449 reviews)
- [ProLiant](https://www.g2.com/products/proliant/reviews) — 4.4/5 stars (694 reviews)
- [Sprout Solutions](https://www.g2.com/products/sprout-solutions-philippines-inc-sprout-solutions/reviews) — 4.7/5 stars (448 reviews)
- [Inova Payroll](https://www.g2.com/products/inova-payroll/reviews) — 4.4/5 stars (639 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)
- [Branch](https://www.g2.com/products/branch-branch/reviews) — 4.7/5 stars (63 reviews)

### Alternatives to SmartDollar

- [ZayZoon](https://www.g2.com/products/zayzoon/reviews) — 4.6/5 stars (209 reviews)
- [Peanut Butter](https://www.g2.com/products/peanut-butter/reviews) — 4.9/5 stars (132 reviews)
- [Tapcheck](https://www.g2.com/products/tapcheck/reviews) — 4.7/5 stars (139 reviews)
- [DailyPay](https://www.g2.com/products/dailypay/reviews) — 4.7/5 stars (92 reviews)
- [Payactiv](https://www.g2.com/products/payactiv/reviews) — 4.5/5 stars (83 reviews)
- [Spring](https://www.g2.com/products/hello-spring/reviews) — 4.9/5 stars (76 reviews)
- [Your Money Line](https://www.g2.com/products/your-money-line/reviews) — 4.6/5 stars (58 reviews)
- [Branch](https://www.g2.com/products/branch-branch/reviews) — 4.7/5 stars (63 reviews)
- [Paytient](https://www.g2.com/products/paytient/reviews) — 4.8/5 stars (66 reviews)
- [Rain Technologies, Inc.](https://www.g2.com/products/rain-technologies-inc/reviews) — 4.8/5 stars (60 reviews)

---
## Top Discussions

### Betterment at Work

No discussions available for this product.

### Wisely® by ADP

- Title: [Is wisely connected to ADP?](https://www.g2.com/discussions/is-wisely-connected-to-adp) — 3 comments
  > **Top comment:** "Yes, it is. ADP and WISELY work very well together!"
- Title: [What is wisely pay by ADP?](https://www.g2.com/discussions/what-is-wisely-pay-by-adp) — 1 comment
  > **Top comment:** "A pay card that employees can have their paychecks deposited to instead of an actual bank account."

### SmartDollar

No discussions available for this product.

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/betterment-at-work-vs-wisely-by-adp-vs-smartdollar)