# Betterment at Work Reviews **Vendor:** Betterment **Category:** [401(k) Software](https://www.g2.com/categories/401-k) **Average Rating:** 4.3/5.0 **Total Reviews:** 545 ## About Betterment at Work Your business is built to grow—and so is our 401(k) plan. It's easy to manage, supports your long-term strategy, and provides proactive guidance at every step, keeping your plan running smoothly and staying compliant. Give your employees access to an easy-to-use, powerful solution for investing and retirement savings—featuring expert-built portfolios, personalized financial guidance, external account linking, and a suite of complementary tools to build wealth. All accessible through our mobile app. And with $25+ Billion in retirement AUM (as of May 10, 2026), we're a partner your business can rely on. Discover a better way to 401(k) today. Leader on G2 as of 12/12/25 for Sept-Dec '25 for 401(k) category. See more: https://www.betterment.com/award-disclosures On behalf of Betterment, G2 solicited reviews from clients in exchange for nominal compensation (i.e., $50 gift cards). Betterment reimburses G2 for this expense. Receiving an incentive to provide a review may make a customer more likely to portray Betterment favorably. Reviews may not be representative. ## Betterment at Work Pros & Cons **What users like:** - Users appreciate the **ease of use** of Betterment at Work, enjoying its streamlined interface and helpful support. (255 reviews) - Users value the **outstanding customer support** of Betterment at Work, enhancing user satisfaction and easing onboarding processes. (146 reviews) - Users appreciate the **user-friendly interface** of Betterment at Work, making account management clear and effortless. (116 reviews) - Users value the **easy goal setup and user-friendly interface** of Betterment at Work, simplifying investment management significantly. (111 reviews) - Users appreciate the **easy setup** of Betterment at Work, benefiting from smooth onboarding and user-friendly design. (110 reviews) - Payroll Integration (108 reviews) - Employee Satisfaction (103 reviews) - Easy Setup (93 reviews) - Easy Integrations (91 reviews) - Automation (90 reviews) **What users dislike:** - Users express frustration with **poor customer support** , highlighting slow response times and delays in resolving complex issues. (108 reviews) - Users feel that **limited customization** restricts personalized support and reporting features, hindering the overall experience with Betterment at Work. (67 reviews) - Users desire a **broader range of portfolio options** , though they appreciate the simplicity provided for employee investments. (48 reviews) - Users express concerns about **poor reporting** and a lack of customization, affecting overall user experience and satisfaction. (42 reviews) - Users face **payroll issues** with Betterment at Work, including delays and integration problems with their payroll provider. (39 reviews) - Users express frustration over the **lack of phone support** , preferring direct communication for urgent inquiries. (36 reviews) - Limited Options (35 reviews) - Users struggle with **integration issues** as Betterment at Work lacks compatibility with their existing payroll vendors. (32 reviews) - Manual Labor (30 reviews) - Manual Processes (29 reviews) ## Betterment at Work Reviews ### 1. The 401(k) program from Betterment at Work is very simple **Rating:** 5.0/5.0 stars **Reviewed by:** Tamara M. | Chief Marketing Officer, Mid-Market (51-1000 emp.) **Reviewed Date:** January 27, 2026 **What do you like best about Betterment at Work?** Before using Betterment at Work, our company did not offer a 401(k) plan which made it difficult to recruit and retain employees looking for employer sponsored retirement plans. Establishing a retirement plan for a small group of employees appeared to be overly complicated due to the compliance requirements and paperwork; however, using Betterment at Work’s system has allowed us to establish a 401(k) plan and allow our employees to begin saving for retirement rather than only allowing them to contribute to an Individual Retirement Account (IRA), which has higher contribution limits. **What do you dislike about Betterment at Work?** The fees appear to be too expensive for what is offered to a small business and there are too many things that you need to help with or be told what to do. The mobile application for the website is very poor. Also this may be petty, however, I think the selection of investments available through Betterment at Work is limited. **What problems is Betterment at Work solving and how is that benefiting you?** I really like how payroll integration helps by automatically sending contributions based on payroll so I don’t have to take the time to manually input each time and also I like how employees can go into their account and adjust their contribution amount as many times as they want without bothering me. ### 2. User-Friendly App for Quick, Reliable Views of All Your Finances - Great for Start-Ups **Rating:** 4.5/5.0 stars **Reviewed by:** Lauren F. | Business Strategy Lead, Mid-Market (51-1000 emp.) **Reviewed Date:** May 05, 2026 **What do you like best about Betterment at Work?** User-friendly app, easy place to see financial information in one place. Only downside is it took some effort to integrate with outside providers like Vanguard, Janus Henderson, etc. But the app always worked well and was available when I needed it for quick views of finances. **What do you dislike about Betterment at Work?** It took a while to integrate information from different financial providers, but that's pretty typical of any app that amalgamates information across sources. No slower than peer apps, just an annoying process no matter what. **What problems is Betterment at Work solving and how is that benefiting you?** We used it for management of retirement accounts, and that was beneficial because I could see all of this information in one place and the app had a nice, clean UI. We did eventually switch off as our company scaled. ### 3. Smarter employee retirement benefits management **Rating:** 4.5/5.0 stars **Reviewed by:** Lucinde B. | Benefits administrator, Computer Software, Small-Business (50 or fewer emp.) **Reviewed Date:** March 01, 2026 **What do you like best about Betterment at Work?** The thing that I like about Betterment at Work is that it is transparent about charges and investment portfolio. The platform is transparent on costs, and this is often inquired of by the employees and this creates trust. The process of implementation was organized and it assisted us in the roll out without any confusion. I also like the fact that the staff members log in frequently to check on their progress and this indicates that they feel more engaged in their financial planning. **What do you dislike about Betterment at Work?** One of the weaknesses of Betterment at Work is a limited choice of investment courses, in favor of more advanced investors. There are some seasoned staff members of our organization who would want to have expanded control of their portfolios. Although the platform addresses general needs, it might be inadequate to meet the needs of very specific funds. This has resulted in additional meetings to clarify constraints and set and regulate expectations regarding the flexibility of the retirement plans. **What problems is Betterment at Work solving and how is that benefiting you?** With Betterment at Work, we have tackled the problem of delayed retirement contributions by the employees. In the past, the confusion on investment options was a setback in making decisions. The new platform now directs the new hires to the appropriate allocations at the beginning. Due to the frequent use that we often make it in the onboarding process, the participation has increased to a large extent. This change will help us to achieve financial stability amongst the staff and also enhance our benefits package in general. ### 4. Convenient Anywhere Access with Seamless Account Changes **Rating:** 5.0/5.0 stars **Reviewed by:** Aleia G. | Scheduling Associate, Mid-Market (51-1000 emp.) **Reviewed Date:** April 28, 2026 **What do you like best about Betterment at Work?** I liked the convenience of being able to access Betterment from anywhere, including my phone. Requesting withdrawals and making changes to my account were also seamless processes each time. **What do you dislike about Betterment at Work?** I don't like that withdrawals require approval for money that belongs to me. I also wish it were a more instant process to receive my money into my linked bank account. **What problems is Betterment at Work solving and how is that benefiting you?** It's helping me to keep track of my 401k, and I can also save for additional goals I set for myself. ### 5. Smooth management of employees **Rating:** 4.5/5.0 stars **Reviewed by:** Manuela Z. | HR Benefits, Food & Beverages, Small-Business (50 or fewer emp.) **Reviewed Date:** February 17, 2026 **What do you like best about Betterment at Work?** I have now understood the value of Betterment at Work in relieving the burden of focusing on the benefits in terms of financial management through the automatic organization of the contributions. The payroll integration means that I am no longer concerned about the mismatches, and my usage rate remains high since it is integrated into my daily routine. The features that help the employees to navigate their choices make the difference between a bunch of questions that I would have received all the time. **What do you dislike about Betterment at Work?** Certain layout and control features are too rigid, and it made creating our benefits flow slightly more difficult when implementing it. The gaps are even more pronounced with our frequency of heavy usage. There is also responsiveness to customer support but a couple of spots still feel unsophisticated to what we desire as a more customized experience. **What problems is Betterment at Work solving and how is that benefiting you?** The greatest advantage to us is that Betterment at Work simplifies the cluttered processes involved in assisting employees to join savings programs. With the payroll integration, I no longer have to take time to correct the contributions. When I use it regularly, it has simplified the benefits management process and the ease of use has enabled my team to be confident whenever orienting new staff. ### 6. It helps our staff stay on track with goals and company HR **Rating:** 4.5/5.0 stars **Reviewed by:** Thomas G. | Employee Benefits Specialist, Utilities, Small-Business (50 or fewer emp.) **Reviewed Date:** February 15, 2026 **What do you like best about Betterment at Work?** What is of most value to me is the fact that Betterment at Work simplifies and automates retirement management. Connecting it with our payroll and HR systems will make the contribution process smooth, and the accounts will be current. It is used on a daily basis to verify enrollments and balances. Its goal-tracking functionalities, automated adjustments of its portfolios and personalized recommendations allow the employees to plan confidently with minimal workload on the HR side. **What do you dislike about Betterment at Work?** What I do not like is that reporting might be more elaborate to give in-depth information about the employee involvement and performance. Payroll and HR integration was not problematic, though there are issues with contribution updates that appear occasionally. The small errors may lead to additional work as they are used every day. Moreover, the investment recommendations can be too general, and those employees, who require highly specific advice, can go to other places. **What problems is Betterment at Work solving and how is that benefiting you?** The greatest advantage of Betterment at Work is that it removes confusion and manual control of retirement programs. Employees will not need to be continuously mentored as automated updates and customized suggestions help them to concentrate on their objectives. The fact that it is used daily makes it accurate and increases investing confidence. The HR department can use the saved time to correct mistakes or monitor enrollments, and the employees will have easy and clear instructions on how to plan their retirement. ### 7. Seamless Payroll Integration and Holistic Financial Wellness **Rating:** 4.5/5.0 stars **Reviewed by:** Rae S. | HR Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** November 14, 2025 **What do you like best about Betterment at Work?** Betterment at Work has surpassed my expectations. I was searching for a platform that provided fair value to both the company and its employees, and this solution delivers on that. I especially value how smoothly it integrates with our payroll system, making administrative management for HR both minimal and highly efficient. Our employees also really like the user interface, which makes it easy to set personalized financial goals. Its comprehensive approach extends beyond the standard 401(k) plan, offering a more complete sense of financial well-being. **What do you dislike about Betterment at Work?** Although the digital support is efficient, reaching a human advisor by phone can be unreliable during times of high demand. In particularly busy periods, the wait time may even surpass the length of the participant session, which negatively affects the overall participant experience. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work is a cutting-edge financial wellness platform that has become essential for RR.S.S. The cost-benefit ratio is outstanding, making it a valuable investment. It helps reduce fiduciary complexity while providing an excellent user experience that encourages engagement. This platform is a strong asset for both retaining and attracting talent, and it has greatly enhanced how our benefits package is perceived. ### 8. Clear, Uncluttered Retirement Tracking with Instant Contribution Changes **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Mental Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** February 05, 2026 **What do you like best about Betterment at Work?** 401-k and management of retirement in general can be confusing, what I like most about Betterment is the easy understanding of my online account. It is not cluttered and full of overwhelming information. It is clear, easy to maneuver, and numbers are reported in a way that is easy to understand. In addition, I really like that it is easy to log in and change my contribution amount at anytime and that change is instant! Lastly, the fact it is integrated with my payroll system makes life easy and money goes where it needs to each payroll. **What do you dislike about Betterment at Work?** I could use more support on meeting compliance requests. I suppose I could reach out to the support center more frequently to help my understanding. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at work saves me time, I set up my account and customize my retirement plan and everything is taken care of each time payroll processes. Set it and forget it! ### 9. Retirement planning made finally simple **Rating:** 4.5/5.0 stars **Reviewed by:** Natalia B. | HR Benefits Manager, Health, Wellness and Fitness, Small-Business (50 or fewer emp.) **Reviewed Date:** January 12, 2026 **What do you like best about Betterment at Work?** The feature of Betterment at Work that I like the most is the ease with which it manages retirement accounts. It integrates well with our payroll system, and this ensures that the contributions are correct. I often scrutinize plan performance and communicate with the employees. The learning materials and investment options in the platform have saved me much time and have simplified the process of assisting colleagues in the plans to enable them plan their futures without getting lost. **What do you dislike about Betterment at Work?** A disadvantage is that there are certain reporting capabilities that are restricted. The platform has also forced me to spend additional time pulling data to make management reports since not all the breakdowns required by me are always available on the platform. It causes some processes to slow down and sometimes minor frustration with reconcilment of the payroll contribution and plan activity. Nevertheless it is still manageable, except that they should report better. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work is useful in assisting the employee in retirement planning. It simplifies the process of tracking the participation, demonstrating the performance of plans, and supplying learning materials. This makes everyone engaged and up to date, eliminates unnecessary questions and I am able to direct my time to other HR programs rather than being on top of retirement matters. ### 10. Great company to deal with our 401(K) **Rating:** 4.5/5.0 stars **Reviewed by:** George S. | Head of Finance, Small-Business (50 or fewer emp.) **Reviewed Date:** October 10, 2025 **What do you like best about Betterment at Work?** We’ve been really pleased with our experience using Betterment as our 401(k) provider. The platform integrates seamlessly with our payroll provider, which makes contributions and employee management effortless. The online portal is intuitive and easy to navigate, for both administrators and employees, which saves us time and reduces errors. Betterment’s customer support has been responsive and helpful whenever we’ve had questions, and the overall setup process was straightforward. The platform provides clear visibility into plan performance and employee participation, and the educational tools available to staff are a great added value. Overall, we’ve found Betterment to be a reliable, efficient, and user-friendly 401(k) solution that fits perfectly with our company’s needs. **What do you dislike about Betterment at Work?** Nothing negative to say about Betterment **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work makes managing our 401(k) so much easier. It syncs perfectly with our payroll, so contributions happen automatically without any extra admin. The portal is simple for employees to use, and it’s helped more of our team get involved in saving for retirement. It’s been a big time-saver and really smooth to manage overall. ### 11. Ease and Quick Support, Perfect for Financial Planning **Rating:** 5.0/5.0 stars **Reviewed by:** Alejandra R. **Reviewed Date:** December 09, 2025 **What do you like best about Betterment at Work?** I like the ease of the process when opening accounts at Betterment at Work, which makes it simple for different clients to set up their goal-oriented accounts. I also appreciate the quick and efficient support from the Betterment team, as responses usually arrive within 24 hours and are detailed and personalized. Additionally, I find the initial setup quite intuitive, thanks to the videos on their site and the help from the support team via email. **What do you dislike about Betterment at Work?** Perhaps it is not a tool for people from countries other than the United States, and it also does not yet have the possibility to open accounts for minors like custodial IRAs. **What problems is Betterment at Work solving and how is that benefiting you?** I use Betterment at Work for our clients to open goal-oriented accounts. Solve financial planning needs by creating savings, emergency funds, and financial habits. I like its ease in account opening and the fast and detailed email support in less than 24 hours. ### 12. Working great for my private medical practice **Rating:** 5.0/5.0 stars **Reviewed by:** Arthur G. | Assistant Professor, Small-Business (50 or fewer emp.) **Reviewed Date:** September 20, 2025 **What do you like best about Betterment at Work?** I am the President/owner of a medical practice with 5 physicians. Last year revenue was 3.5M. Betterment is top in transparent pricing, and surprisingly outstanding and responsive customer support. We were a complicated spin off of a larger group that had a 401k with a vesting schedule through Vanguard/Ascensus and really poor personnel records from the group we were leaving down to wrong employment dates. It was as complicated as it could get and Betterment customer support always responded within a day, worked with the Vanguard 401k, and the old company to get everything the way it should be. I have worked directly with Fidelity, Vanguard, and independent financial groups, and Betterment was at least as responsive and expert as any of them. Their QACA plan is ideal for a medical practice which by its nature has high turnover, and vesting is fixed at 2 years. **What do you dislike about Betterment at Work?** Nothing I can think of. The platform is outstanding and easy to navigate for my employees. Their boiler plate emails are well done and easy to understand. If you thought you needed someone to call in the phone, it might not be for you as that's not gonna happen, but calls can be scheduled. **What problems is Betterment at Work solving and how is that benefiting you?** Again, great to have access to a QACA plan, and being able to carve out a no-match for my HCEs (doctors) was nice, and even having a say in their investment offerings (QQQM for example was important for me). ### 13. Betterment has been a great solution for our small company! **Rating:** 5.0/5.0 stars **Reviewed by:** Jenica F. | Director of People, Mid-Market (51-1000 emp.) **Reviewed Date:** September 19, 2025 **What do you like best about Betterment at Work?** Betterment has been a great solution for our small company! When we were ready to implement a 401 (k) plan, we found Betterment because it was integrated with our HRIS (TriNet); however, we were pleasantly surprised with how easy it was to implement and utilize. Our company has about 55 employees, and I'm the only HR professional, so I needed the plan to be as simple as possible, which is what we've found with Betterment. Not only was the plan easy to set up, for both the employees and me, as the administrator, but it also comes with added benefits, such as the ability to use Betterment for 529 college savings plans, access to financial advisors, and the ability for the company to match qualifying student loan payments, and deposit them into their 401 (k) plans. I have administered several different 401(k) plans throughout my career, and Betterment has been the easiest plan to oversee. **What do you dislike about Betterment at Work?** We have only had the plan for about 9 months, but at this point, nothing. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment is our 401(k) provider for our employees. ### 14. Excellent 401K **Rating:** 5.0/5.0 stars **Reviewed by:** Sarah O. | Global Shared Services Director, People Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** The ease of using Betterment started during implementation, their attention to detail and incredible onboarding team made the process easy and efficient. Their compliance team identified options to address essential items that were missing from our previous vendors advisory support, and helped us quickly (and inexpensively) correct our plan to maximize employee experience and overall filing requirements. The experience over the last few years has been excellent, including easy to use API connections, corrections on payroll updates (current and historic), and the overall employee facing support. **What do you dislike about Betterment at Work?** Can not think of anything that I dont like. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment puts the 401k management into the hands of each employee, with the least amount of "clean up corrections". They make the employee elections and changes super easy, allowing the employee to choose far greater options that any other provider. And their API configurations are super functional. Previous APIs at other 401k vendors were clunky and produced regular errors. Betterment's is super functional. And if an error pops up there is immediate access to support to help clear it. ### 15. Seamless 401k Experience with Outstanding Support **Rating:** 4.5/5.0 stars **Reviewed by:** Amy S. | Senior Payroll and Benefits Specialist, Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** Betterment has made our company’s retirement plan administration incredibly simple and stress-free. Their website is intuitive and straightforward, which makes enrollments, changes and distribution requests easy for employees to handle without confusion. Their administrative support team is excellent—every question we’ve had has been answered quickly, typically within 24 hours or less. They have also helped with non-discrimination testing and Form 5500 to make life easy from an administrative stand point. Also, Betterment provides great webinars and resources to assist with administering 401k. Betterment also offers a wide variety of plan options, allowing us to tailor the retirement benefits to meet the diverse needs of our team. From start to finish, the entire process—from setup to ongoing management—has been smooth and efficient. I highly recommend Betterment to any company looking for a hassle-free 401k solution. **What do you dislike about Betterment at Work?** Betterment is an excellent choice for small to medium-sized employers, especially startups or companies in their first five years. However, as organizations grow and their workforce becomes more complex, larger employers may find they eventually need a provider with more extensive plan customization or enterprise-level features. This isn’t a flaw unique to Betterment—it’s more about matching the provider to the company’s stage of growth. That said, it’s a best practice and a fiduciary responsibility to review retirement plan providers regularly. As our company scales, we plan to evaluate Betterment’s capabilities alongside other options to ensure we’re always offering the most suitable plan for our team. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment simplifies the entire process—administration, enrollment, and ongoing management—into a single, easy-to-use platform. For HR and finance, their automation reduces manual tasks like tracking contributions, handling distribution requests, and assisting in ensuring compliance. For employees, the automatic enrollment and increase each year eliminates barriers to participation. Team members can enroll quickly, make changes on their own, and access helpful resources to guide their retirement planning. Overall, Betterment at Work removes complexity, helps us stay compliant, and empowers employees to take ownership of their financial future—all of which makes offering a retirement plan far less stressful. ### 16. Simple, Modern, and Reliable Financial Partner **Rating:** 5.0/5.0 stars **Reviewed by:** Ayishah W. | Head of People Operations, Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** Betterment has been an excellent platform for managing both retirement and non-retirement investments. The interface is intuitive and easy to navigate, making it simple to set goals, track progress, and adjust allocations as needed. I especially appreciate how transparent the platform is around fees, performance, and rebalancing—there are no hidden surprises. Their automated investing approach takes the guesswork out of portfolio management while still giving me the flexibility to customize when I want to. I also find the cash management options and retirement planning tools practical and user-friendly. On top of the product itself, customer support has been responsive and helpful whenever I’ve had a question. **What do you dislike about Betterment at Work?** Occasional delays in syncing external accounts, but nothing that impacts the overall experience. **What problems is Betterment at Work solving and how is that benefiting you?** As Head of People Operations, one of my top priorities is ensuring our benefits are meaningful, modern, and easy for employees to use. Retirement planning is often a source of stress and confusion, especially in a global, fast-scaling environment. Betterment at Work solves this by offering a seamless, intuitive platform that takes the complexity out of saving and investing for the future. From an HR perspective, it reduces administrative burden—we don’t have to wrestle with clunky plan management or confusing compliance requirements. From an employee perspective, it provides a straightforward way to set goals, invest wisely, and feel confident about their financial future. The experience is clean, automated where it should be, and backed by excellent support when questions arise. The biggest benefit I’ve seen is employee peace of mind. People genuinely appreciate that we’ve invested in a solution that not only makes retirement savings easier but also reflects our commitment to their long-term well-being. It’s become a differentiator in how we talk about total rewards and culture, Betterment at Work aligns with our values of empowerment and trust. ### 17. Modern, transparent, and employee-friendly. **Rating:** 5.0/5.0 stars **Reviewed by:** Elizabeth C. | Administrative Operations Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** • Clear Pricing: Unlike some traditional providers, Betterment is upfront about costs. You can see the base fee, per-employee fee, and fund expenses without digging. That made budgeting much easier. • Tech & Ease of Use: The platform is sleek and integrates smoothly with payroll, which cut down on admin headaches. The employee dashboard is intuitive and gives people a good snapshot of retirement progress. • Fiduciary Support: Betterment takes on fiduciary roles (3(16) and 3(38)), which is a big relief. It means they handle a lot of compliance and investment oversight that would otherwise land on me. • Employee Perks: The add-ons are a nice touch—things like financial coaching and even options for 529 college savings or student loan repayment. My team appreciated that it went beyond just retirement savings. **What do you dislike about Betterment at Work?** • Fees for Smaller Teams: If you’re very small, the base + per-person fees add up quickly. Larger companies may feel the value more. • Limited Customization at Lower Tiers: The “Essential” plan doesn’t allow for much flexibility in vesting or plan design. You have to upgrade if you want more control. • Digital-First Support: Most things are online, which I liked, but if you want heavy personal hand-holding, this may not be the best fit. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work is helping us solve the challenges of high administrative burden, confusing fee structures, and low employee engagement with retirement plans. By handling compliance and fiduciary responsibilities, offering transparent pricing, and providing an easy-to-use platform, it saves us time, reduces risk, and gives our employees a benefit they actually value and use. ### 18. Efficient and Reliable 401(k) Solution for Employers **Rating:** 4.5/5.0 stars **Reviewed by:** Marina H. | Director of Finance, Small-Business (50 or fewer emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** What I like best about Betterment at Work is how seamless it is to manage our 401(k) plan alongside payroll. The platform is intuitive, transparent, and easy to navigate, which saves me time and gives me confidence that everything is processed correctly. The integration with payroll reduces manual work and minimizes the risk of errors, making it much easier to stay on top of compliance and reporting. **What do you dislike about Betterment at Work?** Overall, my experience with Betterment at Work has been very positive. If I had to mention a downside, it would be that some of the reporting tools could be more customizable to fit specific finance and payroll needs. The core functionality is excellent, so this is more of an area for potential improvement rather than a major issue **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work addresses the challenge of accurately managing 401(k) contributions alongside payroll, providing seamless integration that reduces manual reconciliation and potential errors. For me as Director of Finance, this improves operational efficiency, ensures compliance, and gives confidence that all employee retirement contributions are processed correctly and on time. ### 19. This 401k program has been essential to recruiting new employees **Rating:** 5.0/5.0 stars **Reviewed by:** Lucas A. | Broker Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** August 01, 2024 **What do you like best about Betterment at Work?** Implementing the Betterment 401(k) plan for our small business has been a seamless and positive experience from start to finish. As a growing company, we needed a retirement plan provider that offered a modern platform, low fees, and strong employee support—and Betterment has delivered on all fronts. Ease of Setup & Administration The onboarding process was straightforward and well-guided. Their platform integrates smoothly with our payroll system, which has significantly reduced the administrative burden on our end. Tasks that used to be time-consuming are now automated and easy to track. Employee Experience & Engagement Our team members appreciate the intuitive user interface and the ability to personalize their portfolios based on their goals and risk tolerance. The educational resources and automated investment guidance have helped even first-time investors feel confident about saving for retirement. Cost-Effectiveness Betterment’s transparent fee structure is very competitive, especially compared to traditional 401(k) providers. This has allowed us to offer a high-quality retirement plan without straining our budget as a small business. Support & Compliance We’ve been impressed with the responsive customer support team and the way Betterment handles compliance and fiduciary responsibilities. It’s reassuring to know those bases are covered so we can stay focused on running our business. **What do you dislike about Betterment at Work?** Nothing! Super easy to use and makes it awesome to provide us great employee benefits. **What problems is Betterment at Work solving and how is that benefiting you?** Simplicity in offering a great benefit ### 20. Smart! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** What I like best about Betterment at Work is how seamlessly it combines financial wellness with accessibility. The platform makes it easy for employees to take control of their retirement planning and long-term financial goals, without feeling overwhelmed. I also appreciate the transparency and user-friendly design. It feels empowering to have tools that help make smart financial decisions right at your fingertips. **What do you dislike about Betterment at Work?** One area I think could be improved is the level of personalization in the platform’s guidance. While the tools are helpful, sometimes the recommendations feel a bit too generalized and not fully tailored to individual financial situations or goals. A bit more customization or interactive support could make the experience even more impactful. **What problems is Betterment at Work solving and how is that benefiting you?** For me personally, it’s helped take the guesswork out of saving for the future. I feel more confident about my financial decisions and more motivated to stay consistent with my contributions. It’s empowering to have a resource that supports financial health without needing to be an expert. ### 21. Easy to use, transparent, and helpful for our team **Rating:** 5.0/5.0 stars **Reviewed by:** Tiffany D. | Head of People & Talent, Small-Business (50 or fewer emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** Betterment makes retirement benefits simple and approachable. The platform is easy to use, the interface is clean, and the setup was smooth for both admins and employees. I also appreciate the transparency around fees and the diversified investment options—it helps employees feel confident about their long-term savings. **What do you dislike about Betterment at Work?** There’s not much to dislike, but I think reporting features could be a bit more customizable for admins. It would be nice to have more flexibility in how data is presented for internal tracking. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work helps simplify retirement planning for our team by providing an easy-to-use platform that takes the guesswork out of 401(k) management. It saves time for admins with clear communication and straightforward setup, while giving employees confidence through transparent fees and diversified investment options. Overall, it makes offering competitive benefits easier for the company and helps our team feel more secure about their financial future. ### 22. Betterment at Work has been such an easy decision for us, not once, but twice. **Rating:** 5.0/5.0 stars **Reviewed by:** Jennifer C. | Finance/HR, Small-Business (50 or fewer emp.) **Reviewed Date:** September 22, 2025 **What do you like best about Betterment at Work?** A previous company that I worked with was looking for a new 401k administrator and we happened upon Betterment - they were so easy to get implemented, both for the employees and for the administrators. When we started a new company we knew immediately who we entrusted with our employees 401k accounts. The rollover process was simple and making any changes is immediate for the employees wanting to update their contributions. **What do you dislike about Betterment at Work?** As far as downsides go, the only thing we've ever had issues with is customer support. At times it was a bit difficult to get ahold of someone, but in recent months we've been assigned a direct account rep so any questions that we've had, we go directly to that person and our questions are answered much quicker. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment is helping our employees with their 401k management. ### 23. Streamlined 401(k) Management with Exceptional Support **Rating:** 5.0/5.0 stars **Reviewed by:** Conrad S. **Reviewed Date:** December 19, 2025 **What do you like best about Betterment at Work?** I really like that the team at Betterment at Work is easy to work with. The software is streamlined and fluid, with a great user interface, which makes it easy for employees, myself, and other owners to utilize without getting frustrated with complex legal matters. It's just a few buttons, and everything you need is sorted easily. The initial setup was really easy because they provided a great white glove service with representatives that helped us. **What do you dislike about Betterment at Work?** Nothing, everything is great! **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work helps our employees invest for their future and makes it easy for us to use without frustration over complex legal matters. The software is streamlined and has a great interface, so we can get everything sorted easily with just a few buttons. ### 24. Seamless Payroll Integration and Easy 401(k) Management **Rating:** 4.5/5.0 stars **Reviewed by:** Jesse N. | Director of people Operations, Mid-Market (51-1000 emp.) **Reviewed Date:** September 19, 2025 **What do you like best about Betterment at Work?** Betterment has been a great partner for our 401(k) offering. The platform is intuitive for employees, and from an admin perspective, the payroll integration is seamless - it just works without extra effort on our end. Their automation and ease of use make plan management simple and efficient. Easy-to-use platform for both admins and employees with strong automation that reduces manual work. **What do you dislike about Betterment at Work?** Reporting could be more customizable, and there is limited ability to tailor certain features to unique company needs. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment is solving the challenge of managing a 401(k) plan without adding administrative burden. The seamless payroll integration eliminates manual work and errors, while the automated features make it easy to keep the plan running smoothly. This saves time for our team and gives employees a straightforward, user-friendly retirement benefit. ### 25. If you're with Rippling (or any payroll other than Gusto), pick Betterment for your 401k **Rating:** 5.0/5.0 stars **Reviewed by:** Jacob D. | Director of Development, Small-Business (50 or fewer emp.) **Reviewed Date:** October 16, 2025 **What do you like best about Betterment at Work?** We love how Betterment does the best job of optimizing low fees & great technology. We recently switched to Rippling as our payroll provider and we looked into the ~40 different 401k providers that integrate with Rippling. We quickly narrowed down the list to the 3 tech-forward companies that most integrate with Rippling (Human Interest, Betterment, Guideline), 2 other newer low-cost options (401GO and Employee Fiduciary), and 2 of the legacy providers (Fidelity and Vanguard). Most of the other options were other legacy providers that simply had higher fees or less brand-name recognition than Fidelity or Vanguard. Of those 7 options, we researched them further, set up calls, and realized that: a) Guideline was recently acquired by Gusto and there's a lot of uncertainty of what's happening to the non-Gusto accounts, b) Human Interest has very high list fees (they charge 72 basis points to the participants for advisory and other fees when Betterment charges 25 basis points). Yes, you can negotiate them down, but there's always the concern that they'll shift you to the listed fees. Plus, they don't have a mobile app (Guideline and Betterment both have highly rated apps), c) 401Go has had 1 review in 2025 on G2 and has very few reviews on their mobile app, d) Employee Fiduciary seems like a great low-cost option if you plan on forever staying in the under 50 employee range (we plan on growing) and they don't have a mobile app, e) Fidelity wouldn't even talk to us (we filled out their form online twice, called them once) - they are more focused on the larger clients. Plus, even if they do talk with you, they charge 50 basis points (that's twice as expensive as Betterment's 25 bp), and f) Vanguard has low flat fees, but it's actually more expensive for new / startup plans. When you're a mid-size plan with a decent amount of assets, then Vanguard's fees are less than many other providers, but you're not actually with Vanguard - you're with Ascensus and any employees who don't have a personal Vanguard account, would use the "ReadySave" app which has pretty bad reviews. We actually were feeling quite annoyed and frustrated going through this identification process because there seemed to be glaring cost or technology issues with most of the providers. Until we had a call with Betterment. Shout-out to Kyle! Thanks for all your help and we're excited to partner with Betterment for their 401k solution. **What do you dislike about Betterment at Work?** Not much. Maybe it was their contract was pretty long to read, but that's probably pretty standard for most 401k providers. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment is helping launch our 401(k). We picked Betterment because they are the best provider based on the two main qualities we were evaluating: great technology and low fees. ### 26. Betterment was incredible to work with and made the onboarding process so easy! **Rating:** 5.0/5.0 stars **Reviewed by:** Jennifer S. | Accounting Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** September 23, 2025 **What do you like best about Betterment at Work?** That it seamlessly integrates with our payroll provider Gusto **What do you dislike about Betterment at Work?** I have not found anything I dislike about Betterment. The program is easy to use and manage and the support we have received during set up and implementation has been above and beyond **What problems is Betterment at Work solving and how is that benefiting you?** Our employees have access to their information in real time, with an app that is useful and easy to navigate. They are able to make changes to their own accounts without having to go through me and that is such a time saver. Also the Betterment courses and literature have been helpful in educating our employees about the reasons why investing is important for their future, and how to go about making the best investment choices for their personal situations. ### 27. Quality program and responsive service **Rating:** 5.0/5.0 stars **Reviewed by:** Julie A. | Chief Administrative Officer, Small-Business (50 or fewer emp.) **Reviewed Date:** March 12, 2025 **What do you like best about Betterment at Work?** I love the Betterment Dashboard and how easy it is to navigate. I also like that I can approve a payroll before it is processed. It's ease of implementation and integration into my payroll system was top notch. Customer support has always been responsive and helpful with all my questions as well. **What do you dislike about Betterment at Work?** I don't have any dislikes thus far. I am happy with all the features. **What problems is Betterment at Work solving and how is that benefiting you?** Retirement and investment potential for my employees. It is benefiting our small business by the offering of a Safe Harbor plan, which protects us by requiring a 6-month waiting period before employees are eligible for entry. It also requires an employee to work for two consecutive years before they are vested with the employer match. ### 28. Clear, Modern UI with Powerful Automation and an Easy-to-Use API **Rating:** 4.5/5.0 stars **Reviewed by:** Shahin M. | Senior Software Engineer, Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2026 **What do you like best about Betterment at Work?** I really liked the user interface because it’s clear, modern, and easy to navigate, and the API is simple to use. I also loved the automation, portfolio linking, and tax loss collection; those features are excellent for me. **What do you dislike about Betterment at Work?** I ran into some integration issues, and I didn’t like that customer service didn’t resolve them. **What problems is Betterment at Work solving and how is that benefiting you?** It’s an excellent tool that runs in the background while I focus on my code. On top of that, its robust, automated system has been very beneficial, and I find it aesthetically superior to other options. ### 29. Responsive Team, Clear Guidance—A Great Start with Betterment **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** January 23, 2026 **What do you like best about Betterment at Work?** The team has been great about responding to requests. They explain things very well and have guided us in all aspects where we have needed them. The cost is also much less than we were paying with our previous provider. **What do you dislike about Betterment at Work?** So far we do not have any aspects we are unhappy with. In full transparency, we have been with Betterment less than 6 months but it has been great. **What problems is Betterment at Work solving and how is that benefiting you?** They provide the 401k management. Without them I would not know how to do any of this stuff. Their webinars are also fantastic. ### 30. happy with Betterment 401(k) services thus far **Rating:** 4.5/5.0 stars **Reviewed by:** Jay A. | chief operating officer, Small-Business (50 or fewer emp.) **Reviewed Date:** September 18, 2025 **What do you like best about Betterment at Work?** after researching a few different 401(k) providers for our small business, I decided to go with Betterment. the 401(k) system easily integrated with our payroll processor which was helpful. the website is easy to use. what thing that was very important to us is that Betterment offers both pre-tax and ROTH 401(k)s for employees. one of my favorite things about Betterment is access to ultra low cost ETFs. **What do you dislike about Betterment at Work?** one thing I hope Betterment will add is access to the Mega/ Backdoor ROTH 401(k) which is currently not available. **What problems is Betterment at Work solving and how is that benefiting you?** we use Betterment at Work for the 401(k) platform ... we are a small/ newer company so Betterment offered a great, cost effective solution to provide retirement savings vehicle. ### 31. Excellent/Simple 401k Plan Administration **Rating:** 4.5/5.0 stars **Reviewed by:** John G. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** September 22, 2025 **What do you like best about Betterment at Work?** The interface is very simple--allowing employees to control investment choices by simply setting a risk tolerance which equates to a pre-set allocation between stocks/bonds. These choices can auto-adjust via Betterment's algorithm as well. As an administrator, the interface is very simple and modern. It's easy to add new employees, integrate with a Payroll company and upload payroll data on a monthly basis. Support has been easy to work with as well. **What do you dislike about Betterment at Work?** When the integration with payroll was advertised it wasn't well-baked and needed some corrections after being established. But support was very helpful in getting that done. **What problems is Betterment at Work solving and how is that benefiting you?** It allows us to offer a great benefit of a well managed 401k plan to our employees. ### 32. Simple, Smart, and Stress-Free Investing **Rating:** 4.5/5.0 stars **Reviewed by:** Brian P. | CFO, Mid-Market (51-1000 emp.) **Reviewed Date:** September 24, 2025 **What do you like best about Betterment at Work?** Betterment makes investing incredibly simple and stress-free. I love being able to set goals—like retirement, a safety net, or general investing—and have the platform automatically create and manage a diversified portfolio for me. The interface is clean, intuitive, and easy to navigate. Features like automated rebalancing and tax-loss harvesting give me confidence that my money is being managed efficiently without me having to constantly monitor it. The low, transparent fees are also a huge plus compared to traditional advisors. **What do you dislike about Betterment at Work?** Betterment isn’t really built for active traders, so if you want to pick individual stocks or make frequent trades, it’s not the right fit. That said, this isn’t really a drawback for me since the whole point is long-term, hands-off investing. **What problems is Betterment at Work solving and how is that benefiting you?** Decision fatigue: You don’t have to figure out what to invest in—Betterment builds a diversified portfolio automatically. Time management: It handles rebalancing, tax-loss harvesting, and other portfolio upkeep you’d otherwise need to do manually (or pay someone more to do). Financial planning: Goal-based tools help you connect investing with real-life needs (retirement, safety net, big purchases) instead of just “throwing money into the market.” Cost efficiency: It provides professional-level money management at a fraction of the cost of traditional advisors. Peace of mind: You know your money is being managed responsibly, even if you don’t have the time, expertise, or desire to trade actively. ### 33. Betterment Review **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Wholesale | Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** The Betterment team is available to assist with any issues or questions I may have. They also provide valuable resources for learning about 401(k) plans, including webinars and other educational tools. The platform is extremely user-friendly for both admins and employees. Many employees log in weekly to check their accounts and make changes as needed. Also, Betterment integrates seamlessly with our HRIS system, automatically updating any changes to employee contribution rates without requiring manual payroll adjustments. **What do you dislike about Betterment at Work?** Betterment has proven to be flexible and supportive. Every team member I’ve worked with has been extremely helpful. While some processes and details were unclear during implementation, the team worked quickly to answer our questions and provide guidance once we were fully set up. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment has greatly increased our company’s participation rate. With the learning tools provided and a support team that is always accessible, our employees can ask questions, attend webinars, and build their portfolios to set themselves up for savings and a secure retirement plan. This benefits the company as we ultimately want our employees to be satisfied with the platforms we provide, which supports their longevity with the company. ### 34. Simplifies and encourages saving for Retirement **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Veterinary | Small-Business (50 or fewer emp.) **Reviewed Date:** August 01, 2024 **What do you like best about Betterment at Work?** Betterment at work has fantastic investment options that are low-cost. They are customizable for those that want to customize their portfolios and they are pre-built for those who don't. Since using B@W, we have almost 100% participation in our 401k and employees are contributing more than ever. We have decreased our cost to our business while also decreasing expense ratios for employees. Our customer support representative is always prompt and helpful. The software itself is extremely easy to use and was easy to implement on the business side. Integrates great with RunADP **What do you dislike about Betterment at Work?** No downsides noticed to this point. Have been using for a few years. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at work does almost all of the legwork for getting our employees to save and helping them invest what they do save. Previously we had lots of employees that never took the time to sign up for the 401k. Even the employees who did take the time to sign up sometimes never actually chose investments to get their money working for them. Betterment fills in the gaps and makes sure everyone is properly saving for retirement whether employees put in effort or not. ### 35. Highly recommend Betterment! **Rating:** 5.0/5.0 stars **Reviewed by:** Casandra W. | Human Resources Director, Small-Business (50 or fewer emp.) **Reviewed Date:** September 18, 2025 **What do you like best about Betterment at Work?** We have been a satisfied client of Betterment for over four years, and I can confidently say that our partnership has been nothing short of amazing. When our company was just starting out, we began using their services, and they have been an invaluable asset in providing our employees with excellent retirement options. The implementation was super simple; the Betterment platform is both user-friendly and straightforward for our employees. From an administrative perspective, the integration with our payroll provider is top-notch. The systems sync automatically and literally on the same day, so we don't have to wait a week for updates. We highly recommend Betterment to any company seeking a reliable and efficient financial partner. **What do you dislike about Betterment at Work?** Early on, as a small employer, we did not have a dedicated account manager and would email a general support team for assistance. As part of the feedback we provided, I'm pleased to say that is no longer the case. We now have a wonderful, dedicated account manager who proactively takes care of any needs that arise. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work provides educational resources for our employees and helps us to stay up-to-date on helpful tax strategies and investments. ### 36. Easy 401(k) Administration with Helpful Automation **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Insurance | Small-Business (50 or fewer emp.) **Reviewed Date:** September 18, 2025 **What do you like best about Betterment at Work?** Betterment at Work makes managing our company 401(k) simple and efficient. The platform is easy to navigate both for me as the administrator and for employees. I especially value how it syncs seamlessly with Gusto, which eliminates the need to manually set up payroll deductions. When a new employee becomes eligible, Betterment automatically handles all of the communication so I don’t have to set reminders or keep manual checklists. The system also sends timely notifications when action is needed, which keeps everything on track. Overall, it saves me time and gives me peace of mind that nothing is slipping through the cracks. **What do you dislike about Betterment at Work?** During the initial setup a few years ago, we had to do some troubleshooting, but the support team was responsive and got everything resolved. One thing that would be helpful is if I could see more detail on the exact communication that employees receive. That way I’d be better prepared to answer their questions. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work takes the hassle out of managing a 401(k) plan. It syncs with Gusto so I don’t have to worry about setting up payroll deductions, and it automatically handles all communication when employees become eligible. That means I don’t need to track reminders, send emails, or keep manual checklists. Overall, it saves me time, reduces the chance of errors, and makes offering a retirement plan to employees much simpler. ### 37. Modern, Robust, Experience-Focused 401(k) and Investment Platform **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Mid-Market (51-1000 emp.) **Reviewed Date:** August 07, 2024 **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. **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! **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. ### 38. Seamless Retirement Benefit with Strong Support and Easy Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Biotechnology | Mid-Market (51-1000 emp.) **Reviewed Date:** September 19, 2025 **What do you like best about Betterment at Work?** Betterment at Work has been an excellent partner in offering retirement benefits to our employees. The platform is very easy to implement and integrates smoothly with our existing systems, minimizing the lift for our team. Day-to-day administration is straightforward, and employees consistently find the interface intuitive. Their customer support team is highly responsive and proactive, which has made both the rollout and ongoing management much easier. The range of investment features strikes a strong balance between flexibility for employees and ease of oversight for us as the employer. **What do you dislike about Betterment at Work?** There is very little to dislike. While the reporting and analytics meet most of our needs, additional customization options would make it even stronger for employers who want more granular insights. **What problems is Betterment at Work solving and how is that benefiting you?** We previously didn't have an integration in place this resulted in a heavy admin burden on the team. We're really excited to have officially rolled out our integration this week. ### 39. Solid and simple company **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** As an employee and admin user, I believe that the platform is very clear and clean. It is user friendly and allows for clear understanding of what is needed to enroll new employees. It is also very clear in the invoices that are provided for processing management fees. On the employee side, the cycle updates for contributions are very clear and allow easy log in access directly from contribution email. Aside from onboarding, terminations are made easy from previous employees who submit to distribute their account and equally easy and clear to process those requests within the platform. It does not require constant engagement that require employees or admins to log in every day. While we do process contributions every two weeks, we do not need to engage as often as other platforms. Plain and simple, it does what it's supposed to do without added bells and whistles that complicate other platforms. **What do you dislike about Betterment at Work?** There has been confusion surrounding employee statements and how that information is relayed for total company contributions. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment has created a clear platform that makes managing 401k plan enrollment very simple. It provides updates and notifications for new employees during the onboarding process that serve as a good reminder to add them to the system. It is helpful to have the system integrate with our own payroll system that essentially frees up data entry on one more platform. ### 40. Exceptional Customer Service Experience with Betterment **Rating:** 5.0/5.0 stars **Reviewed by:** Henry H. | Director Human Resources & Talent Development, Small-Business (50 or fewer emp.) **Reviewed Date:** March 13, 2025 **What do you like best about Betterment at Work?** Exceptional Customer Service Experience with Betterment Betterment is our organization's new financial investment platform, and I just had an incredible customer care experience! I was contacted directly and had the opportunity to meet face-to-face with a representative to address questions from various staff members. I had the pleasure of speaking with Doris, who went above and beyond to ensure I felt confident and informed. She took ample time to educate me, guide me through the entire process, and patiently answer every question. Doris didn't just provide information—she made sure I fully understood everything and felt 100% satisfied with her responses. In my 20 years of working with major financial institutions like T. Rowe Price and Fidelity, I've never experienced such personalized and dedicated support. Thanks to Doris and the Betterment team, I now feel well-equipped to advocate for our employees and staff with confidence. Thank you, Betterment, for setting such a high standard in customer care! **What do you dislike about Betterment at Work?** I've not witnessed anything that would be considered a downsize of using Betterment. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work is transforming the way we approach financial wellness and retirement planning. It simplifies the investment process, making it more accessible and user-friendly for both employees and administrators. One of the biggest challenges in workplace financial benefits is ensuring that employees feel confident and informed about their options—Betterment is solving that by providing a seamless, intuitive platform with personalized guidance. For me, the biggest benefit has been the exceptional customer support and education. The team takes the time to walk through every step, ensuring clarity and confidence in decision-making. This not only empowers me to make informed financial choices but also allows me to be a better advocate for our employees. Having a platform that prioritizes ease of use, transparency, and financial well-being is truly a game-changer! ### 41. Couldn't pay us to move back to our legacy 401k platform **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Publishing | Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** Significant value for money compared with legacy platforms especially in small-medium business market. For participants, the reviews / response has been tremendous in particular with the app design, education and ease of use. As a plan sponsor / administrator, we have found Betterment at Work to excel in onboarding and ongoing account management as well integrating well with our payroll platform. Finally, we have found Betterment at Work to be a very good manager of regulatory reporting and compliance. **What do you dislike about Betterment at Work?** This is minor but the only dislike that I have is the lack of "in plan ROTH conversions" + "after tax contributions" (this is the Mega Backdoor ROTH) in the base plan. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work is a high "value for money" partner to a key compensation and retention program for our business -- the 401-K plan. Through partnering with Betterment at Work, our employee participants have enjoyed low-cost and very well-managed investment portfolios that match closely participants risk profiles. We have received numerous positive reviews about our 401-K plan as well as Betterment at Work's platform and investment portfolios. ### 42. Betterment at Work **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Health, Wellness and Fitness | Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** What is most helpful with Betterment at Work, is that the platform is so easy to navigate. I was a bit anxious about learning yet another platform for our business. However, it was nothing like I thought it would be, in terms of being a hassle. We were even able to add our Accountant on to the platform to handle the payroll portion of things. He's been able to use the platform without any complaints. They even go as far as sending me email templates to share with my staff, regarding 401k and its benefits, this too is most helpful. I would definitely refer others. **What do you dislike about Betterment at Work?** One of the downsides is, there isn't a phone number to contact a representative when you are in tight spot. However, there is an email address provided, but every now and again you'd like to speak to someone verbally. **What problems is Betterment at Work solving and how is that benefiting you?** Prior to collaborating with Betterment at Work, we were really wanting to implement a 401k program. Our staff had been asking about us offering this as a benefit to them. To our surprise, Betterment as Work reached out and gave us an overview and answered all of our questions. They were very patient and most helpful and now we're able to provide this great benefit, satisfying our staff's request. ### 43. Ease of integration **Rating:** 5.0/5.0 stars **Reviewed by:** Debby K. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** Integration between Betterment and Rippling US PEO is excellent. The two systems work together seamlessly, which saves a significant amount of administrative time and effort. The 360-degree payroll integration means that tasks like managing 401(k) contributions and employee eligibility are largely automated, eliminating the need for manual data entry and reducing the risk of errors. **What do you dislike about Betterment at Work?** Betterment should implement a feature that allows new 401(k) contributors to input their year-to-date (YTD) contributions from previous employers. This would help prevent accidental over-contributions and ensure customers stay within the annual IRS limit. More to the customer experience, Betterment might even consider developing a system that tracks a person's Social Security number (SSN) to automatically carry over their year-to-date 401(k) contributions when they switch employers. This would create a seamless transition and prevent customers from exceeding the annual contribution cap. **What problems is Betterment at Work solving and how is that benefiting you?** The integration helps with manual errors from uploading payroll records on 401K and Roth 401k contributions. ### 44. Easy-to-Use Platform That Makes Saving Simple **Rating:** 5.0/5.0 stars **Reviewed by:** Jasmine S. | Sr. Manager, Total Rewards and People Operations, Mid-Market (51-1000 emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** I really appreciate how intuitive and user-friendly the platform is. The design makes it simple to navigate, track my progress, and understand my retirement savings. The automated features, like recurring contributions and personalized recommendations, make saving effortless. I also like the transparency in showing how my money is growing, which motivates me to stay on track. **What do you dislike about Betterment at Work?** There’s not much to dislike, but I think the platform could offer more educational resources and personalized financial planning tools. Having deeper insights into long-term projections and more guidance around investment strategies would make it even more valuable. **What problems is Betterment at Work solving and how is that benefiting you?** As both an employee and an HR admin, I’ve seen how Betterment at Work removes complexity from retirement planning. For employees, it makes saving effortless through automation and clear tracking, which reduces stress around financial planning. From the admin side, the platform is easy to manage and integrates smoothly with our HR processes. It simplifies plan administration, provides helpful reporting, and cuts down on the back-and-forth questions we’d otherwise handle manually. Overall, it saves time for the HR team while giving employees a straightforward, confidence-boosting way to invest in their future. ### 45. Transparent and Simple **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Construction | Mid-Market (51-1000 emp.) **Reviewed Date:** May 02, 2024 **What do you like best about Betterment at Work?** From an employer perspective I like the look of the platform and easy visibility. Well organized. Customer service has always been very helpful and polite. Notifications are consistent. As an employee I think the app is simple and I like how I can link all my accounts and see my values. **What do you dislike about Betterment at Work?** As the employer the contact availablity is frustrating. All communications must be in the form of email and if I need to speak with someone direclty I am required to request a phone call appointment by email if we want to speak with someone and then the issue must sit until the appointed time, could be several days. Lack of integration with QuickBooks online makes completing the payroll deposits very time consuming. Appreciate the template, but with an employee base now in excess of 150 and our participants growing I have to use multiple exported reports to complete the information in the Betterment template bi weekly. *Update, since this last review we have been assigned a direct account manager who has been very responsive and helpful to resolve any account / employee issues we have had. **What problems is Betterment at Work solving and how is that benefiting you?** NA ### 46. Betterment 401(k): Making Retirement Planning Easy with Top-Notch Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Apparel & Fashion | Mid-Market (51-1000 emp.) **Reviewed Date:** August 01, 2024 **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! **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. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work is solving the problem of providing comprehensive and user-friendly retirement solutions. This benefits us by streamlining our 401(k) management and ensuring our employees have access to a range of effective retirement planning options. ### 47. Empowering Financial Literacy with Betterment at Work **Rating:** 5.0/5.0 stars **Reviewed by:** Michelle G. | Small-Business (50 or fewer emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Betterment at Work?** I love that Betterment provides a reliable, sustainable money management tool that empowers our employees to plan for their futures, such as buying houses and planning for retirement. I also appreciate the feature that allows employees to have personal financial advisers and tools to easily manage and adjust their financial strategies. The ability to enhance our employees' financial literacy and security is a significant benefit. **What do you dislike about Betterment at Work?** We find it difficult to schedule time with Betterment's financial advisors as their availability is often quite far out. Additionally, I think there could be improvements in providing more customized services specifically regarding staff trainings about financial literacy and optimizing 401(k) plans, which could be more regularly scheduled for our team rather than relying on employees to sign up individually. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work provides reliable financial management and literacy, helping employees align their 401(k)s with goals like buying homes and retirement, enhancing their futures beyond paychecks. ### 48. 401(k) made 401(ez) **Rating:** 4.5/5.0 stars **Reviewed by:** Tommy M. | Growth Team Admin, Small-Business (50 or fewer emp.) **Reviewed Date:** September 19, 2025 **What do you like best about Betterment at Work?** Betterment seamlessly integrated with our payroll system. It's easy to use for both administrators and users. As a user I can log into my account and make any changes I desire or get the support needed. On the admin side it's easy to use and they handle all compliance messages/communications. **What do you dislike about Betterment at Work?** Moving funds from an old/different 401(k) takes manual work, but that's just the name of the game and depends on your previous provider. Nothing negative to say on Betterment. **What problems is Betterment at Work solving and how is that benefiting you?** So So easy to make changes on the user end and manage my own 401(k) As an admin they take care of all communication to employees and integrate with our payroll system. ### 49. Fast, Helpful Support Makes Issues Easy to Resolve **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Automotive | Small-Business (50 or fewer emp.) **Reviewed Date:** May 07, 2026 **What do you like best about Betterment at Work?** The support is fast and helpful whenever I've run into issues. **What do you dislike about Betterment at Work?** I haven't run into many issues. The end of year reporting is pretty intense and time consuming, though. **What problems is Betterment at Work solving and how is that benefiting you?** Makes supporting our employees manageable. ### 50. Great Service at Higher Tiers **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Events Services | Mid-Market (51-1000 emp.) **Reviewed Date:** March 05, 2024 **What do you like best about Betterment at Work?** We vetted a few 401k providers before migrating to Betterment. The migration process was straightforward. Betterment at Work 401k provides the benefits flexibility required by our company in addition to desirable investment options for our staff. The integration with our payroll provider works great. I am able to maintain the account. Employees enjoy the mobile app features for managing their accounts. The blog articles have been helpful. It is reassuring that an Employee support phone number is available. At the higher tier, we enjoy the best service from a dedicated representative who is always abreast of our account. Our representative is responsive, friendly and clear. **What do you dislike about Betterment at Work?** The Employer side of the website could use more detailed instructions. But overall, everything is functioning very well. **What problems is Betterment at Work solving and how is that benefiting you?** Betterment at Work provided a complete and flexible solution for our company's 401K. Betterment at Work sends informative market updates and useful articles. **Official Response from Nicole Bliman:** > Hi there, Thank you for your feedback. At Betterment, we are always striving to do things better (as our name suggests!). Based on similar feedback from clients like you, we have made several significant improvements we thought you’d like to hear about: Plan administrators can now schedule a call to speak directly with their support team member. You can find the correct contact information by logging in to your sponsor dashboard at betterment.com/work, selecting Resources in the left-hand nav, then Support. Betterment at Work integrates with more than 150 payroll providers, and is continually working on adding more! Check out the full list of providers here: betterment.com/work/find-payroll-provider. If you see yours, but do not have the integration set up, please contact our payroll team at payrollsupport@betterment.com. We strives to make managing your 401(k) plan simple, but we know it can still be challenging if it’s just one of many responsibilities on your plate! Check out our new managing your 401(k) plan landing page, where you’ll find several tutorials on mastering common sponsor tasks: betterment.com/work/manage-your-401k-plan. Please let us know if you have any additional comments or questions. In fact, we’re so dedicated to improving our relationships with clients such as yourself, we invite you to reach out to our Sr. Director of Client Experience, Chelsey Lubin. You can reach her at chelsey.lubin@betterment.com. Have a great day, The Betterment at Work team - [View Betterment at Work pricing details and edition comparison](https://www.g2.com/products/betterment-at-work/reviews?filters%5Bnps_score%5D%5B%5D=5§ion=pricing&secure%5Bexpires_at%5D=2026-05-20+09%3A31%3A49+-0500&secure%5Bsession_id%5D=21ad9fba-f653-452d-80ad-7a8e35de53f5&secure%5Btoken%5D=ed3faafcc56323fd7c2e17d03fec130a672266105e68ccd3c73ab70ac38e4b22&format=llm_user) ## Betterment at Work Integrations - [ADP Workforce Now](https://www.g2.com/products/adp-workforce-now/reviews) - [Apex](https://www.g2.com/products/apex-scoring-system-apex/reviews) - [BambooHR](https://www.g2.com/products/bamboohr/reviews) - [Bob](https://www.g2.com/products/buildonme-llc-bob/reviews) - [Dayforce Powerpay](https://www.g2.com/products/dayforce-powerpay/reviews) - [Deel Payroll](https://www.g2.com/products/deel-payroll/reviews) - [Google Workspace](https://www.g2.com/products/google-workspace/reviews) - [Gusto](https://www.g2.com/products/gusto/reviews) - [HR Plus](https://www.g2.com/products/trinet-hr-plus/reviews) - [isolved](https://www.g2.com/products/isolved/reviews) - [Justworks](https://www.g2.com/products/justworks/reviews) - [Microsoft 365](https://www.g2.com/products/microsoft365/reviews) - [Microsoft Teams](https://www.g2.com/products/microsoft-teams/reviews) - [Namely](https://www.g2.com/products/namely/reviews) - [NetSuite](https://www.g2.com/products/netsuite/reviews) - [Orion](https://www.g2.com/products/orion-labs-orion/reviews) - [Paragon](https://www.g2.com/products/paragon-payroll-paragon/reviews) - [Paychex](https://www.g2.com/products/paychex/reviews) - [Paycom](https://www.g2.com/products/paycom/reviews) - [Paycor](https://www.g2.com/products/paycor/reviews) - [Paylocity](https://www.g2.com/products/paylocity/reviews) - [PayPro Global](https://www.g2.com/products/payproglobal/reviews) - [QuickBooks Online](https://www.g2.com/products/quickbooks-online/reviews) - [Quicken Home & Business](https://www.g2.com/products/quicken-home-business/reviews) - [Rippling](https://www.g2.com/products/rippling/reviews) - [RUN Powered by ADP](https://www.g2.com/products/run-powered-by-adp/reviews) - [Sequoia One](https://www.g2.com/products/sequoia-sequoia-one/reviews) - [Timetrak Time and Attendance](https://www.g2.com/products/timetrak-time-and-attendance/reviews) - [TriNet](https://www.g2.com/products/trinet/reviews) - [UKG Pro](https://www.g2.com/products/ukg-pro/reviews) - [UKG Ready](https://www.g2.com/products/ukg-ready/reviews) - [Vista](https://www.g2.com/products/trimble-vista/reviews) - [Workday](https://www.g2.com/products/workday-workday/reviews) - [Workday Benefits](https://www.g2.com/products/workday-benefits/reviews) - [Workday HCM](https://www.g2.com/products/workday-hcm/reviews) ## Betterment at Work Features **Platform Content** - Education Tools - Mobile Tools - Content Library **Functionality** - Customizable Reporting - Market Analytics - Client Portal - Investment Accounting - Real time - Customizable Reporting **Onboarding** - Administrators - Employees **Platform Basics** - Program Management - Secure - Interoperability - Performance **Integration** - Data aggregation - Accounting Integration **Dashboard** - Balances - Investments - Personal Information **Platform Additional Functionality** - Services - Employee Portal - Gamification - Education **Compliance** - IRS - Tax Benefits **Agentic AI - Investment Portfolio Management** - Multi-step Planning - Cross-system Integration - Adaptive Learning - Proactive Assistance **Platform Data** - Dashboard & Reporting - Visualization - Alerts and Notifications **Administration** - Monitoring - Reporting ## Top Betterment at Work Alternatives - [Human Interest](https://www.g2.com/products/human-interest/reviews) - 4.3/5.0 (2,303 reviews) - [Guideline](https://www.g2.com/products/guideline/reviews) - 4.5/5.0 (1,151 reviews) - [Morningstar Direct](https://www.g2.com/products/morningstar-direct/reviews) - 4.0/5.0 (407 reviews)