Frame 10122889
Your plan for a better 401(k)

Easily integrate Gusto with a modern, user-friendly 401(k) through Betterment at Work.

Get started


No base fee until 2027 with Gusto
As a Gusto customer, you pay no base fee until 2027 if you sign up by January 31, 2026. Eligible plans only. Terms apply.
  • fintechbreakthrough
    FinTech Breakthrough on 3.19.25 for Jan '25. Fee paid for logo use. See more.
  • bankrate-May-14-2025-03-38-31-6048-PM
    Bankrate on 1.6.25 for Jan '25. Fee paid for logo use. See more.
  • ver2G2-Award
    G2 on 5.27.25 for reviews since 11.10.20. Some reviewers compensated. See more.

Manage your 401(k) with ease.

With a 360 degree Gusto and Betterment at Work integration, the only regular administration your team needs to do is a quick review each pay period. And setting up that integration? It’s straightforward too.

Our integration with Gusto will automatically create accounts for your employees who are eligible for your 401(k) and will also handle offboarding for employees who leave your company.

company-employee-401k-dashboard

Estimate your plan costs with our tax savings calculator.

You could earn up to $15,000 in tax credits over the first three years of your plan.
Calculate your savings
calculator-Jan-16-2025-06-06-00-8071-PM

Service and support at every step.

  • cash

    Plans that match your budget.

    Bypass most 401(k) compliance testing with Safe Harbor 401(k) or elect budget flexibility with a traditional discretionary match.
  • checklist

    Flexible plan features.

    Design a plan that fits your organization's goals, from eligibility requirements, vesting schedule, profit sharing—and much more.
  • escalation

    Automatic enrollment and auto-escalation.

    Drive plan participation by enrolling and raising employee contribution rates automatically.
  • graduation-cap

    Optional 401(k) match on student loan payments.

    A first-to-market offering: Increase plan participation by encouraging employees to pay down qualified student loans with a 401(k) match.

Everything was easy: setup. Payroll integration. Compliance. I was surprised at how easy a 401(k) could be. We needed a modern 401(k) option…I was happy when we migrated both our payroll to a new provider (Gusto) and 401(k) from ADP to Betterment. That was a lot to take on at one time, but Betterment was easy to get set up.”
Daniel R. 
Simple to use. Easy onboarding process. Great integrations with Gusto that make administering the 401k plan ongoing easy. No issues yet!”
Bryan G. 
Betterment offered a quick, almost a turn-key choice of a 401(k) plan for my small business. I've used Betterment 401(k) for three years now, and plan to continue using it going forward. I like seamless integration with Gusto Payroll used by my business. I also like that 401(k) loans are available for my employees. The price of service is reasonable, and annual compliance testing is done reliably and on schedule.”
Mark M. 
Paid client. $25 was given for this review, which creates an incentive to recommend Betterment and is a conflict of interest. Views may not be representative. See G2 reviews.

Take the first step toward streamlining plan admin