Betterment at Work vs. Guideline
Compare 401(k) providers across fees, investments, employee experience and service & support.
Betterment at Work | Guideline | ||||||||
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Fees | |||||||||
Ongoing Administrative (Paid by employer) | Essential:
$100/month + $5/participant/month Pro: |
Core: Enterprise: |
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Estimated fund fees (Paid by employee) | 0.06%1 |
0.07%2 |
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Investment management (Paid by employee) | 0.25% on assets annually |
0.15 - 0.35% on assets annually |
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Investments | |||||||||
Funds | Indexed Exchange Traded Funds (ETFs) |
Indexed Mutual Funds |
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Portfolios | 7 strategies with customizable risk levels, plus the Flexible Portfolio Strategy |
1 strategy, plus customized participant strategies |
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Customizable risk | 101 risk levels |
6 levels |
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Automatic allocation adjustments (Glidepath feature) | Yes, for some portfolios |
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Flexibility | Participants may choose their own allocation |
Participants may choose their own allocation | |||||||
Socially responsible investments | 3 managed portfolio strategies: Broad Impact, |
2 large cap equity mutual funds |
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Qualified default investment | Core - globally diversified managed ETF portfolio |
A managed mutual fund portfolio | |||||||
Additional investment strategies | Innovative Technology, Socially Responsible (3), Goldman Sachs Smart Beta, BlackRock Target Income, Flexible Portfolio Strategy |
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Employee Experience | |||||||||
Platform scope | 401(k)-first experience with additional financial tools: |
Focus exclusively on retirement 401(k) , |
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External account syncing | |||||||||
Personalized retirement planning tools | |||||||||
Tax coordination strategies | |||||||||
Access to human advisors | For financial advisory services, additional fees apply for use in the Pro plan. Services not available in the Essential plan.
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Service and support | |||||||||
3(38) Investment Fiduciary | |||||||||
3(16) Administrative Fiduciary | |||||||||
Automated compliance support | |||||||||
Access to onboarding support team |
Only for Enterprise pricing tier |
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Payroll integrations | 18 |
17 |