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Betterment

Save, invest, retire

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Betterment vs. Guideline

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

Fees Betterment Guideline

Ongoing Administrative (Employer pays)

Betterment

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

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

Guideline

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

Estimated fund fees (Employees pay)

Betterment

0.06%³

Guideline

0.07%⁴

Investment management (Employees pay)

Betterment

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

Guideline

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

Terminated participant fee

Betterment

None

Guideline

$4/month (after 90 days)

Investments Betterment Guideline

Funds

Betterment

Indexed Exchange Traded Funds (ETFs)

Guideline

Indexed Mutual Funds

Portfolios

Betterment

509 (across 6 strategies, plus Flexible Portfolio Strategy)

Guideline

6 (1 strategy, plus customized participant strategies)

Automatic allocation adjustments

Betterment
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Guideline

Flexibility

Betterment

Participants may choose their own allocation

Guideline

Participants may choose their own allocation

Socially responsible investments

Betterment

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

Guideline

2 large cap equity funds

Additional investment strategies

Betterment

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

Guideline

None

Number of individuals involved in investment advisory services¹

Betterment

17

Guideline

3

Employee Experience Betterment Guideline

Platform scope

Betterment

Holistic advice across all saving and investing goals

Guideline

401(k) only

External account syncing

Betterment
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Guideline

Personalized retirement planning tools

Betterment
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Guideline

Tax coordination strategies to help maximize returns

Betterment
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Guideline

Mobile app

Betterment
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Guideline

Access to human advisors²

Betterment
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Guideline
Service and support Betterment Guideline

3(38) Investment Fiduciary

Betterment

Standard

Guideline

Standard

3(16) Administrative Fiduciary

Betterment

Standard

Guideline

Standard

Online signup process

Betterment
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Guideline

Automated compliance support

Betterment
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Guideline
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