Betterment vs. Guideline

Compare 401(k) providers by investments, fees, employee experience, service and support.

Betterment Guideline
Fees
Ongoing Administrative (Employer pays)

$42/mo + $4/participant/month (Standard)⁴
$125/mo + $4/participant/month (Premium)⁴

$49/month + $8/participant/month (Core) $79/month + $8/participant/month (Flex) $129/month + $8/participant/month (Max)

Estimated fund fees (Employees pay)

0.06%³

0.07%⁴

Investment management (Employees pay)

0.25% on assets annually ($2.50 for every $1,000)

0.08% on assets annually ($0.80 for every $1,000)

Terminated participant fee

None

$4/month (after 90 days)

Investments
Funds

Indexed Exchange Traded Funds (ETFs)

Indexed Mutual Funds

Portfolios

509 (across 6 strategies, plus Flexible Portfolio Strategy)

6 (1 strategy, plus customized participant strategies)

Automatic allocation adjustments
Flexibility

Participants may choose their own allocation

Participants may choose their own allocation
Socially responsible investments

3 managed portfolio strategies: Broad Impact, Social Impact, Climate Impact

2 large cap equity funds
Additional investment strategies

Socially Responsible (3), Goldman Sachs Smart Beta, BlackRock Income

None
Number of individuals involved in investment advisory services¹

17

3
Employee Experience
Platform scope

Holistic advice across all saving and investing goals

401(k) only
External account syncing
Personalized retirement planning tools
Tax coordination strategies to help maximize returns
Mobile app
Access to human advisors²
Service and support
3(38) Investment Fiduciary

Standard

Standard
3(16) Administrative Fiduciary

Standard

Standard
Online signup process
Automated compliance support

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