Vestwell Pricing Overview

Plus

$175.00

Per Month

$175 per month + $8/month per active participant + 0.20% asset-based investment management fee. One-time setup fee (may apply). Our most popular option, available for businesses transferring an existing plan and new plans, with more flexible plan features.

Workplace

$125.00

Per Month

$125 per month + $8/month per active participant + 0.20% asset-based investment management fee. One-time setup fee (may apply). A streamlined offering for businesses setting up their first plan at an affordable price point, with basic plan design options.

Solo(k)

$45.00

Per Month

$45 per month + 0.30% asset-based fee + $150/year for spouse (optional). One-time origination fee (may apply). A 401(k) for self-employed individuals to maximize their retirement savings with employee and employer contributions.

Plan Availability: First-time plans for self-employed individuals and their spouses

Preset plan design and streamlined employer contribution options

Onboarding: Self-service digital setup with dedicated service team available as needed

Administration: Built-in plan administration with exemption from certain annual tests

Contribution limit: $23,500 employee contribution limit (plus “employer contributions”)

Starter(k)

$39.00

Per Month

$39 per month + $8/month per active participant + 0.20% asset-based investment management fee. No setup fee. A simplified 401(k) for first-time plans with preset features, streamlined compliance testing, and no employer contributions.

Vestwell’s pricing is simple, scalable, and built to support your business needs with diverse plan options, whether launching your first retirement plan or expanding your retirement benefits.

Vestwell has 4 pricing editions, from $39 to $175. Look at different pricing editions below and see what edition and features meet your budget and needs.

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

Pricing information was last updated on March 10, 2026

Top-Rated Alternatives

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Vestwell Alternatives Pricing

The following is a quick overview of editions offered by other 401(k) Software

Human Interest Essentials	$80.0080 per month + $5 per eligible employee	Your affordable all-in-one 401(k) solution. "No-Touch” integration with 500+ payroll providers Flexible plan design including auto-enroll and safe harbor Automated administration and recordkeeping
Guideline Starter	$49.0049 per month + $6/mo per active participant Per Month	A simplified 401(k) with limited features and easy administration. $6,000 employee contribution limit***** No employer contributions Exempt from IRS testing Must connect with an eligible payroll provider
Betterment at Work Essential	$100.00100 per month + $5/monthly record keeping per active participant. Additional implementation and participant advisory fees apply*	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

Various alternatives pricing & plans

Pricing information for the above various Vestwell alternatives is supplied by the respective software provider or retrieved from publicly accessible pricing materials. Final cost negotiations to purchase any of these products must be conducted with the seller.

Vestwell Comparisons

Human Interest