A smarter, better 401(k) plan

We get it. 401(k) plans can be complicated. That’s why Betterment built a better solution. Offer a plan that can help you attract and retain talent, and that helps your employees save for the future while focusing on what they do best.

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A smarter, better 401(k) plan

We get it. 401(k) plans can be complicated. That’s why Betterment built a better solution. Offer a plan that can help you attract and retain talent, and that helps your employees save for the future while focusing on what they do best.

Get started

Betterment’s mission is simple: to empower people to do what’s best for their money so they can live better.

With Betterment 401(k) plans, employees can get holistic advice on everything from contribution rates to account types to investments, all while keeping costs low.

Working harder to help employees save more*

8.5%** average contribution rate

On average, a typical participant has a 6.4% contribution rate.**

0.08%*** average fund fees

We invest exclusively in low-cost ETFs to keep fees as low as possible.

66% of our plans use automatic enrollment

Help employees jumpstart their savings by reducing the inertia that may keep them from joining the plan.

81.4% of auto-enrollment plans have a default rate of 6% or above

Starting with a high enough rate can get employees off to the right start in saving for their futures.


*Based on internal data unless otherwise noted.
**Versus the average 6.4% 401(k) contribution rate, Plan Sponsor Council of America 61st Annual Survey, 2018.
***Average weighted expense ratio for a 70/30 stock/bond portfolio.

In the press

As featured in 

"Receiving financial advice for retirement should be a fundamental right."
The New York Times
"Everything from investment management for all workers to plan administration for employees."
Forbes
"One of the '12 best 401(k) providers'"
TheStreet

Better for employees.
Better for your business.
Betterment for Business.

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