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
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| 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
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| 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 |
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| Personalized retirement planning tools |
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| Tax coordination strategies |
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| 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 |
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| 3(16) Administrative Fiduciary |
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| Automated compliance support |
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| Access to onboarding support team |
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Only for Enterprise pricing tier |
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| Payroll integrations |
150+ |
20+ |
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