Betterment vs. Guideline: Which 401(k) is Better for Your Company?

	Betterment at Work	Guideline
Fees
Ongoing Administrative (Paid by employer)	Essential: $42/month + $5/participant/month Pro: $125/month + $6/participant/month	Core: $49/month + $8/participant/month Flex: $79/month + $8/participant/month
Estimated fund fees (Paid by employee)	0.06%¹	0.06%²
Investment management (Paid by employee)	0.25% on assets annually ($2.50 for every $1,000)	0.08% on assets annually ($0.80 for every $1,000)
Terminated participant fee	None	$4/month (after 90 days)²
Investments
Funds	Indexed Exchange Traded Funds (ETFs)	Indexed Mutual Funds
Portfolios	7 strategies with customizable risk levels , plus the Flexible Portfolio Strategy	1 strategy, plus customized participant strategies
Customizable risk	101 risk levels	6 levels
Automatic allocation adjustments (Glidepath feature)	Yes, for some portfolios
Flexibility	Participants may choose their own allocation	Participants may choose their own allocation
Socially responsible investments	3 managed portfolio strategies: Broad Impact, Social Impact, Climate Impact	2 large cap equity mutual funds
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
Employee Experience
Platform scope	Financial advice across all investing and savings goals: 401(k), Student Loan Management³, Other financial goals	Focus exclusively on retirement 401(k) , SEP IRA, Personal IRA
External account syncing
Personalized retirement planning tools
Tax coordination strategies
Mobile app
Access to human advisors4
Service and support
3(38) Investment Fiduciary
3(16) Administrative Fiduciary
Automated compliance support
Online signup process
Access to onboarding support team
Payroll integrations	14	8

Betterment at Work vs. Guideline

Ready for a better 401(k) plan?