[ Betterm... Reviews ](https://www.g2.com/products/betterment-at-work/reviews) [ Betterm... Reviews ](https://www.g2.com/products/betterment-at-work/reviews) # Betterment at Work Pricing Overview [Editedit](https://my.g2.com/betterment-at-work/pricings) ## Betterment at Work Pricing Key Insights Last updated on Apr 09, 2026 * * * Betterment at Work offers **3 pricing editions** , starting at **$100**. Betterment at Work pricing tiers are designed to support different usage levels and team sizes. Compare the Betterment at Work pricing table below to figure out the best fit for your needs. Some plans may require you to contact **Betterment** for **custom pricing**. * * * Essential — $100 / 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply\* Pro — $150 / 150 per month + $7/monthly record keeping per active participant. Additional implementation and participant advisory fees apply\* Flagship — Contact Us Rated 4.3 / 5 \*Pricing information is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations must be conducted with the seller. Essential $100.00 100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply\* [Request Demo](#) An affordable, easy-to-manage 401(k) plan for your employees’ retirement. - 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 - Scheduled phone and email support for plan administrators - Getting started webinars and emails for employees Show More Pro $150.00 150 per month + $7/monthly record keeping per active participant. Additional implementation and participant advisory fees apply\* [Request Demo](#) 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 Show More Flagship Contact Us [Request Demo](#) A customizable plan with enhanced compliance guidance, personalized service through a 401(k) Consultant, and expanded employee benefits. - Looking for a tailored pricing package or additional features? Reach out to build a plan that best suits your needs. Show More 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 Show More ## Betterment at Work Pricing FAQs Generated using AI ### Is Betterment at Work free, or does it offer a free trial? No. According to G2 data, Betterment at Work does not offer a free plan or free trial. Users need to purchase a paid plan to access the product. Visit the seller's official pricing page for current pricing details and plan options. ### How much does Betterment at Work cost in 2026? According to G2 data, Betterment at Work pricing in 2026 starts at $100.00 and can reach $150.00 depending on the selected plan. Pricing may vary based on billing terms or usage, so users should review the Betterment's official pricing page for the most current details. ### Who is Betterment at Work pricing best suited for? Betterment at Work's pricing is best suited for small businesses seeking an affordable, low-administrative-burden 401(k) solution. The majority of G2 reviewers are from small businesses with 50 or fewer employees across industries including Computer Software, Health and Wellness, Construction, and Non-Profit Management. G2 reviewers consistently highlight Betterment at Work's value for companies without dedicated HR staff. The Essential plan suits very small or budget-conscious employers needing basic compliance and payroll integration. The Pro plan fits growing companies wanting vesting flexibility and expanded benefits. Mid-market companies in IT, Retail, and Publishing also appear among G2 reviewers, gravitating toward Pro or Flagship tiers for dedicated support and customization. ### What are the key differences between the free and paid versions of Betterment at Work? Betterment at Work does not offer a free version. According to G2's pricing data for Betterment at Work, the Essential plan at $100.00 per month covers core 401(k) administration including fiduciary services, payroll integrations, and scheduled support. The Pro plan at $150.00 per month adds flexible plan design features like vesting and new comparability, dedicated support, student loan matching, and 529 Education Savings. G2 reviewers note that certain features feel "reserved by pricing levels," with one reviewer explicitly stating the Essential tier lacks meaningful flexibility. The Flagship tier offers customized pricing for organizations needing tailored configurations, enhanced compliance guidance, and a dedicated 401(k) Consultant. ### Is Betterment at Work considered good value for its pricing? G2 reviewers of Betterment at Work overwhelmingly describe it as good value, particularly for small businesses. Phrases like "transparent pricing," "low fees," "much cheaper than competitors," and "cost-effective" appear frequently across reviews. One G2 reviewer in Health, Wellness and Fitness noted Betterment at Work offers "the best provider based on great technology and low fees" after comparing seven alternatives including Fidelity, Vanguard, and Human Interest. Some reviewers mention management fees growing as assets increase, and a few note the Essential tier feels restrictive. A small number of G2 reviewers in Financial Services felt support quality didn't justify the cost, but the majority rate Betterment at Work's pricing favorably relative to traditional 401(k) providers. ## Top-Rated Alternatives [ ![Human Interest](https://images.g2crowd.com/uploads/product/hd_favicon/3236f825932ac29c3b702632bfef0bb4/human-interest.svg "Human Interest") Human Interest 4.3/5 (2,345) ](https://www.g2.com/products/human-interest/reviews) [ ![Guideline](https://images.g2crowd.com/uploads/product/hd_favicon/0c2e3f6bc226ef137db8499bbb776447/guideline.svg "Guideline") Guideline 4.5/5 (1,153) ](https://www.g2.com/products/guideline/reviews) [ ![Morningstar Direct](https://images.g2crowd.com/uploads/product/hd_favicon/9aa6ec67e406c9e748b54d89d1f3a944/morningstar-direct.svg "Morningstar Direct") Morningstar Direct 4/5 (406) ](https://www.g2.com/products/morningstar-direct/reviews) [ View All Alternatives ](https://www.g2.com/products/betterment-at-work/competitors/alternatives) ## Betterment at Work Pricing Reviews (2) ![Verified User in Information Technology and Services](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Information Technology and Services") AI Verified User in Information Technology and Services Mid-Market (51-1000 emp.) 8/7/2024 More Options - - [Respond as Betterment at Work](https://www.g2.com/survey_responses/betterment-at-work-review-9972941/official_response/new) "Modern, Robust, Experience-Focused 401(k) and Investment Platform" 5/5 What do you like best about Betterment at Work? Both the admin and employee-facing platforms are extremely easy-to-use and full of excellent features. The admin area has all of the necessary functions, like employee management and payroll uploads, along with simple workflows for things like approving loans and distributions. The employee portal is overflowing with functionality beyond simply managing their 401(k) account and investments - they offer high-yield savings accounts, options for opening IRAs, learning materials, and even connections to other accounts so employees can use the tool to get a complete financial picture and better manage their finances all in one place. The support team is fantastic. Our account managers have always been helpful and responsive, and our latest one is a well-tenured member of the Betterment team who is clearly very knowledgeable and will be a great resource for us to ensure we are managing our plan effectively and in full compliance. We've recently implemented carrier feeds to make managing our plan even easier after we switched to a new HRIS for 2025. The process has been incredibly smooth and effective, which I expected to be the case based on all my other experiences with Betterment so far. They offer integrations with numerous HRIS platforms, and they are constantly working to add more over time to make managing payroll processing as simple as possible. Review collected by and hosted on G2.com. What do you dislike about Betterment at Work? Having used many other platforms in past lives, Betterment far surpasses them, even the big names like Fidelity. I honestly can't think of anything to dislike at this point! Review collected by and hosted on G2.com. What problems is Betterment at Work solving and how is that benefiting you? Betterment has vastly improved employee engagement with our 401(k) plan through it's user-friendly design and supplemental features that encourage employees to regularly log in to their account. Because of this engagement, administrative tasks have been minimized, freeing up valuable HR time to focus on other initiatives and activities. Review collected by and hosted on G2.com. Show More Rating Updated (9/18/2025) Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Financial Services](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Financial Services") AF Verified User in Financial Services Small-Business (50 or fewer emp.) 9/18/2025 More Options - - [Respond as Betterment at Work](https://www.g2.com/survey_responses/betterment-at-work-review-11702359/official_response/new) "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. 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