Your future-proof 401(k)

Betterment makes it easy for small and mid-market businesses to provide a scalable retirement plan. With a Betterment 401(k), you get:

  • Simplified administration, payroll integration, fiduciary support, and compliance testing
  • Customizable plan features and optional employee benefits
  • Service and support at every step
  • All-in pricing with no hidden fees
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Powered by Betterment, the largest independent digital investment advisor.

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  • AwardBankrate
  • AwardFebruarybankrate
  • AwardStore
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The 401(k) built to keep up with your growth.

Customizable plan design to fit your needs.

Whether you're starting or leveling up your 401(k), our flexible plan features let you achieve your business goals while supporting your employees.

  • Eligibility requirements
  • Vesting schedule
  • Profit-sharing
  • Safe Harbor 401(k) option
  • Automatic enrollment
  • Automatic escalation
  • Automatic force outs
  • 401(k) match on student loan payments Learn more
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Administrative and compliance support at every step.

We handle regulatory filings and monitor your plan to help resolve any potential compliance issues. 

  • 3(16) and 3(38) fiduciary responsibility
  • Prepare Form 5500 for compliance
  • Service and live support for you and your employees



partners in compliance

The Betterment Hassle-Free Guarantee

We guarantee that your prepared prior-year audit package will be delivered by May 31. If you are still waiting to receive it in time to file Form 5500, we'll refund you up to $1,000 off your annual base fee. See terms and eligibility
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Dedicated onboarding support.

Set up your new or conversion plan with the help of an onboarding specialist.

  • 15%

    faster plan conversion onboarding with Betterment compared to the industry average.

Based on Betterment internal data, 2024.
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Payroll integrations.

We connect with most payroll providers and constantly add new ones to help automate plan administration.
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Betterment at Work was a no-brainer. Administratively, it’s incredibly user-friendly. New employees are able to set up their 401(k) immediately and it syncs with the payroll platform, saving us time.
 - Angela McManawy, CEO of augustwenty
 Non-paid client of Betterment. Views may not be representative, see more reviews at the  App Store and Google Play Store.

An easy experience for you and your employees.

Seamlessly administer your 401(k) from an all-in-one dashboard.

  • Real-time plan insights.
    Track plan metrics, generate custom reports, and get participant-level data with just a few clicks.

  • Resources at your fingertips.
    Access one-pagers, webinar registrations, articles, and videos for you and your employees.

  • Simplified compliance hub.
    Actively monitor your plan’s compliance status and projected test results.
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Engage and empower
your employees.

Get the technology and features to help employees achieve what they want with their money.

  • Delightful and highly-rated app
  • Access to tax-advantaged IRAs
  • Support and educational resources
4.7 rating
60,500§ reviews
Best for Cash Management 2023

See full disclosures for award details.

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Curated, expert-built portfolios to invest in.

Our diversified portfolios make investing easy for employees. They can choose the portfolio that interests them, from sustainability to innovative technology.

More experienced investors can customize their asset class weights. All portfolios are built by experts using generally low-cost exchange-traded funds.

Learn more

Take your plan further with 
optional employee benefits.

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    Financial Coaching

    Offer employees unlimited 1:1 financial advice and planning sessions with our team of financial advisors.
    Learn more
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    529 Education Savings

    Make saving for education simple for employees with automated payroll deductions and an optional match.
    Learn more
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    401(k) match on student loan payments

    A first-to-market offering: Broaden plan participation by offering a 401(k) match to payments made on qualified student loans.
    Learn more
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All-in pricing with no hidden fees.

Our plan features let you effectively manage eligibility and coverage, offering you more cost control. We're transparent about our fees and don't hide future costs like some providers.
  • Control plan eligibility.

    Decide who can participate or be excluded from your plan, like seasonal or part-time workers.
  • Automatic force outs.

    Automatically remove terminated employees with low balances from your plan.
  • Fee flexibility.

    Decide what employees pay for and what your business covers. Transfer certain plan expenses back to former employees.
  • Only pay for active participants.

    Reduce fees by only paying for participants who fund their 401(k)s.

See how Betterment stacks up
against other providers.

Betterment at Work Legacy institutions 401(k)-only providers
Customizable plan features (including force-outs, profit-sharing, and eligibility requirements)
Expertise and support for SMBs
Transparent pricing
Additional employee financial products (IRA and more)
A user-friendly mobile experience for employees
Participant engagement and educational resources
Optional employee benefits (Financial Coaching, 529s and more)

Powered by Betterment.

We pioneered a new way to invest, combining automation, investment choice, and fiduciary advisory services. Our 401(k) utilizes the same technology and expertise to support your business and employees.
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Assets under management
Best Overall Robo Advisor 2024
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Still have questions?
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