Betterment at Work Pricing Overview

Essential

$100.00

100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply*

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An affordable, easy-to-manage 401(k) plan for your employees’ retirement.

Pro

$150.00

150 per month + $7/monthly record keeping per active participant. Additional implementation and participant advisory fees apply*

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A 401(k) built for a growing workforce, offering greater plan flexibility and benefits along with dedicated support.

Everything in our Essential plan, plus:

Flexible plan design features such as vesting, new comparability, and more

Dedicated support from your Betterment Plan Support team member via scheduled phone calls and emails

Guided support converting your existing plan

Additional employee financial benefits: 401(k) matching on student loan payments and 529 Education Savings*

Financial Coaching available as an add-on benefit

Flagship

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A customizable plan with enhanced compliance guidance, personalized service through a 401(k) Consultant, and expanded employee benefits.

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

*One-time implementation fee of $500 for Essential Plans; and a one-time implementation fee of $500 for new plans, $1,000 for conversion plans for Pro Plans. A participant advisory fee of 0.25% to be paid to Betterment.
**529 accounts and their plans are held and managed by program administrators and managers outside of Betterment. 529s are only available as part of a bundled offering with a Betterment 401(k). Not available in the Essential plan.

Pricing information was last updated on May 23, 2025

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Betterment at Work Pricing Reviews

(2)

Verified User in Apparel & Fashion

Mid-Market (51-1000 emp.)

8/1/2024

"Betterment 401(k): Making Retirement Planning Easy with Top-Notch Customer Service"

5/5

What do you like best about Betterment at Work?

What I like best about Betterment is their user-friendly platform, which makes managing our 401(k) plans incredibly easy for both us and our employees. Their customer service is always available and truly hands-on, guiding our employees through every step of the process. We also benefit from a dedicated account manager who keeps us informed and up-to-date on everything we need to know. Additionally, Betterment offers a comprehensive range of options, ensuring that we have everything we need to provide our employees with the best possible retirement planning solutions. They really have it all together! Review collected by and hosted on G2.com.

What do you dislike about Betterment at Work?

So far, we haven’t encountered any downsides with Betterment at Work. Our main focus has been on cleaning up the issues left by our previous 401(k) providers. Other than that, everything has been running smoothly. Review collected by and hosted on G2.com.

Verified User in Financial Services

Small-Business (50 or fewer emp.)

9/18/2025

"Functional Software that leaves something to be desired in terms of support"

1.5/5

What do you like best about Betterment at Work?

Betterment at work is a very simple, plug-and-play solution for a business owner who knows exactly what they need, how to file form 5500 on their own, and doesn't want anything customized. It is less expensive than other solutions that we have used, and the user experience - particularly for customers of betterment - is much simpler than what is offered by other, smaller third party administrators. Review collected by and hosted on G2.com.

What do you dislike about Betterment at Work?

Betterment at Work has frequently dropped the ball for our clients when it comes to filing required forms in a timely manner, reminding business owners of their duties as the administrator, etc. The Customer Support does not always respond in a timely manner - often it takes a few attempts to get a response. Overall, for just a few dollars more than what Betterment at Work charges, a business owner can use a full-service 401k TPA and have the comfort of a provider who is willing to take on actual liability for the plan and its administration. This is what caused us to stop using Betterment at Work in all cases. Review collected by and hosted on G2.com.

What problems is Betterment at Work solving and how is that benefiting you?

The tool is a relatively easy to implement 401k plan for a business owner who may need to implement one, wants a cheap solution and is not looking for any customizations or a relationship with an active support team. This platform benefits us in that there is often name recognition with Betterment and clients appreciate the ease of use for the end user. Review collected by and hosted on G2.com.