Do more than check a box with your 401(k) plan

Our digital platform makes it easy for you to manage a 401(k) plan, and easy for your employees to handle their finances.

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A man sitting in a chair looking at his laptop, which shows that his retirement goal is on track.
  • Low cost.

    Lower costs mean more money for you and your employees—savings that can add up over time.

  • Easy to set up and maintain.

    Our guided onboarding gets your plan up and running quickly, and our simplified administration makes your plan easy to maintain.

  • Integrated financial picture.

    Our intuitive Betterment investment platform ensures that employees can get advice on all of their financial goals, all in one place.

  • Expert advice.

    Betterment provides 3(16) and 3(38) support and consultation to help you manage all aspects of your plan.

Our integrations.

Betterment is integrated with some of the most commonly used payroll providers to help streamline your administrative processes. Our partners include organizations like Ascentis, Rippling, ADP Workforce Now, Paylocity, Workday®, Paychex, and Ceridian. Contact us for a complete list of payroll integration partners.


Apex, Paychex, and UltiPro are 3rd-party-facilitated integrations. Betterment is not affiliated with, sponsored or endorsed by Workday®, Inc.

Helping employees make the most of their retirement savings.

We guide employees through a personalized retirement plan, with recommendations on how much to save and which accounts to use. They can set realistic goals for retirement and can set up additional goals if they’re saving for something else.

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A goal to 'Retire in the Mountains' with a target amount of $850,000 and target date of May 2050 that is on track.

401(k) plans designed to fit your needs.

  • Traditional 401(k) and Roth 401(k).
    Let your employees decide when to pay income taxes on amounts contributed.

  • Safe Harbor 401(k).
    Remove the uncertainties around 401(k) compliance testing.

  • Automatic enrollment.
    Help more employees save for their 401(k) and potentially increase the size of their retirement account more quickly.

  • Profit-sharing.
    Retain flexibility associated with your employer contribution.
A Betterment For Business plan sponsor overview page showing various plan details..

More robust investments.

Low costs don't mean making compromises on the investments your employees have access to. We offer personalized and customizable investment solutions, including a socially responsible portfolio, and comprehensive advice.

A Betterment Core portfolio and a Climate Impact portfolio.

Ready for a better 401(k) plan?

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