401GO Pricing Overview

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GO-Starter

$25.00

25 per month | $2 per participant | 0.3% AUM fee

A very simple plan, a good alternative to a state program

GO-Plus

$139.00

79 per month | $2-$7 per participant | 0.3% AUM fee | $500 set-up fee

Our most popular plan, perfect for most small businesses.

GO-Solo

$19.00

99 per month | $0 per participant | 0.3% AUM fee | $250 setup fee

Perfect for sole practitioners and solopreneurs (and their spouse)

Simple, transparent pricing. No minimums, no startup fees, no termination fees!

401GO has 3 pricing editions, from $19 to $139. Look at different pricing editions below and see what edition and features meet your budget and needs.

Pricing information for 401GO is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations to purchase 401GO must be conducted with the seller.

Pricing information was last updated on February 04, 2025

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401GO Pricing FAQs

Generated using AI

According to G2 reviews, 401GO's pricing is best suited for small businesses with 50 or fewer employees, which represent the vast majority of reviewers. G2 users across industries including accounting, healthcare, construction, financial services, and computer software consistently praise 401GO's affordability and simplicity for small teams. The GO-Starter tier suits businesses seeking a basic, state-program alternative, while GO-Solo fits self-employed individuals and solopreneurs. GO-Plus is recommended for small to mid-market businesses needing full fiduciary coverage and payroll integration. G2 reviewers also note that financial advisors and accountants find 401GO's pricing of 401GO ideal for managing multiple small business client plans efficiently.

401GO does not offer a free version, but its three paid tiers address distinct needs. The GO-Starter at $25.00 provides essential 401(k) functionality including payroll integration, automated administration, and IRS document filing, making it a straightforward alternative to state-mandated programs. The GO-Solo at $19.00 is designed exclusively for solopreneurs and their spouses, adding profit sharing and TRUE360 integration. The GO-Plus at $139.00, described as the most popular plan, unlocks dedicated relationship management, safe harbor options, full 3(16) and 3(38) fiduciary services, an included ERISA bond, and volume discounts for 50-plus employees. G2 reviewers frequently cite the GO-Plus tier's comprehensive compliance coverage as a key differentiator for growing businesses.

G2 reviewers overwhelmingly consider 401GO excellent value for its pricing. With an average rating of 4.5/5 across predominantly small business reviewers, G2 users repeatedly highlight 401GO's pricing as a standout advantage. Phrases like "unbeatable price," "best in the industry," and "affordable" appear consistently across G2 reviews. Reviewers from accounting, healthcare, construction, and financial services note that 401GO's pricing of 401GO delivers enterprise-level 401(k) administration at a fraction of traditional costs. One G2 reviewer explicitly praised transparent fees at $9/month per participant covering recordkeeping and TPA work. The only noted concern is that AUM-based pricing does not scale favorably for some, and Solo(k) plans can feel expensive for individual users.

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401GO Pricing Reviews

(2)

Steve T.

President

Small-Business (50 or fewer emp.)

4/26/2023

"Very easy setup, great platform"

5/5

What do you like best about 401GO?

The ease to set up the 401k plan was amazingly simple. I had an older 401k for my firm at TD Ameritrade and the setup was tedious and archaic. The setup for 401Go literally took 10 minutes. The ongoing administration is very easy. The selection of funds is fantastic. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

As I have it set up now, employees can change withholding rates at any time. But they told me that next year I can change that; appears to have been something you can do at setup. Otherwise, nothing else I dislike. Review collected by and hosted on G2.com.

Response from Daniel Beck of 401GO

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Thanks for the review and feedback Steve. I'm glad we could be an upgrade over your existing plan at TD Ameritrade.

Arun J.

system administrator

Mid-Market (51-1000 emp.)

11/7/2025

"Great Platform with Room for Better Usability"

4.5/5

What do you like best about 401GO?

401GO takes the hassle out of managing retirement plans, making the process straightforward and stress-free. The platform is easy to use, clearly outlines its fees, and automates the majority of administrative work, which saves a significant amount of time. The support team is quick to respond and consistently helpful with any questions that arise. This makes 401GO an excellent choice for small and mid-sized businesses looking to provide 401(k) plans without dealing with unnecessary complexity. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

One aspect I find challenging with 401GO is that its interface can occasionally seem somewhat complicated, especially for those using it for the first time. Certain features, such as plan customization and navigating reports, might benefit from being more user-friendly. Additionally, having faster support response times or more comprehensive guides for administrators would be very helpful. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

401GO significantly simplifies the management of employee retirement plans by removing much of the typical complexity. It automates a majority of administrative tasks, such as payroll integration, compliance, and reporting, which not only saves considerable time but also helps minimize errors. Additionally, the platform provides employees with a straightforward way to monitor and manage their retirement savings, encouraging greater participation and enhancing overall financial awareness. Review collected by and hosted on G2.com.