Betterment at Work vs. Guideline

Compare 401(k) providers across fees, investments, employee experience and service & support. 

Betterment 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

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

610 (across 7 strategies, plus Flexible Portfolio Strategy)

6 (1 strategy, plus customized participant strategies)

Customizable risk

101 risk levels

6 levels

Automatic allocation adjustments (Glidepath feature)
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 funds

Qualified default investment

Core - globally diversified managed ETF portfolio

1 of 6 portfolios
Additional investment strategies Innovative Technology,
Socially Responsible (3),
Goldman Sachs Smart Beta,
BlackRock Target Income
None
Employee Experience
Platform scope

Financial advice across all investing and savings goals:

401(k),
Student Loan Management3,
Other personal financial goals

Focus exclusively on retirement

401(k) ,
SEP IRA,
Personal IRA

External account syncing
Personalized retirement planning tools
Tax coordination strategies to help maximize returns
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

Dedicated support

Yes

Additional cost5

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