401GO Expert Review, Pricing, Alternatives - 2021

Listed in our research about the Top 401k Software

Author Phil Strazzulla, HR Tech Expert, Harvard MBA, Finance and Software Nerd
Phil Strazzulla: HR Tech Expert, Harvard MBA, Finance and Software Nerd
October 18, 2021
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401GO is comprehensive but also extremely affordable; it charges up $9 per participate per month without any base fee, administration fees, filing fee or compliance fee.

What's Inside

401GO Review

401GO makes 401k administration easy and efficient with its automated and comprehensive platform for businesses of all sizes. Acting as your 3(16) and 3(38) fiduciary, 401GO handles everything from record-keeping, notifications, compliance testing, and day to day administration.

401GO Customers

401GO Resources

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Key 401GO Features

  • Auto-enrollment
  • Safe harbor plans
  • Vesting and eligibility options
  • Match & non-match contribution options
  • New comparability profit sharing
  • Control groups supported
  • Compliance testing
  • 3(16) fiduciary services
  • 3(38) investment manager
  • Payroll integration

401GO Implementation

401GO is cloud-based which makes its implementation relatively easy (there isn’t anything to download or physically install). Simply head to 401GO’s website and click the “Get Started” button on their landing page. This will take you to a few forms where you can create an account and make your plan purchase.

401GO Customer Success

401GO has an FAQ page that provides customers with answers to the most common questions about the platform’s usage. For additional help, customers can reach out to 401GO’s customer support team by email.

401GO Key Integrations

401GO integrates with most payroll providers; this can either be a full integration (360), partial (180), or a file integration.

What to be aware of

401GO Pricing

401GO has two pricing plans:

  • Basic: costs $9 per month per participating employee. This plan is designed for companies with fewer than 50 employees or new startup plans.
  • PLUS: costs $5-9 per month per participating employee. This is designed for larger businesses (50+ employees), existing 401k plans, or those with more complex needs.
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401GO Alternatives

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401k Software - GuidelineGuideline

Low fees

401k Software - UbiquityUbiquity

15 minute setup

401k Software - Human InterestHuman Interest

Scalable platform

401k Software - 401GO401GO

Comprehensive and affordable

401k Software - PaychexPayChex

Integrated payroll and retirement

401k Software - BettermentBetterment

Advice and investing goals

401k Software - ForUsAllForUsAll

For small and mid-sized companies