Easy implementation. User-friendly. Good reports. Easy integration with Rippling

Betterment at Work simplifies the management of 401(k) plans, making the process straightforward and stress-free. The platform is user-friendly, delivers personalized financial guidance, and includes helpful tools for employees to plan and invest for their future. I value the convenience of the mobile app, which allows access to everything while on the move, and I feel reassured knowing that expert-built portfolios are managing my investments wisely.

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.