Betterment at Work Logo
Log in
Get started

Employee engagement playbook

Everything you need to tell your employees about the Betterment benefits you offer, ready to copy and share.Published November 6, 2026 • 7 min read

How to use this resource

If you want your employees to know all about the Betterment benefits you’re offering, you’ll find everything you need below.

  • Organized into various sections, you can copy and paste whichever parts you want to share
  • Short explanatory paragraphs (e.g., what’s auto-enrollment?), along with accompanying blog articles, videos, or PDFs for a closer look into that topic
  • Share content via emails, Slack, Teams, on an internal site, in a team meeting—whereever you engage with your employees
  • Replace any text in [brackets] with the values applicable to your plan

Section 1: Introduction

What is Betterment?

Betterment is a modern investment platform designed to help you save for any goal, short or long-term, through smart, automated investing. [Employer name] chose Betterment to manage its 401(k) plan, empowering our employees to pursue a financially secure retirement. Discover the importance of saving in a 401(k) plan on Betterment’s website and take the platform for a test drive.

Sponsor instruction

Insert applicable link from the list below where it says “Click here”.

Click here for three easy steps to make the most of your 401(k).

Sponsor Instruction

Insert applicable link from the list below where it says “Click here”.

Click here to learn more about your Betterment benefits.

You should be receiving emails from Betterment inviting you to claim your account. If you can’t find these emails, head to betterment.com/accountaccess or scan this QR code below!

QR code to claim your Betterment account

Claim your Betterment 401(k) account (Spanish guide)

Section 2: Enrollment based on plan design

How to get started with your 401(k)

If auto-enroll

[Employer Name] auto-enrolls eligible employees into our 401(k) plan. The default contribution rate is [X%], and the default investment selection is Betterment’s Core portfolio. You can change these settings by claiming your account.

Learn more about auto-enrollment here, and how to pick a 401(k) contribution rate here. Note: Contribution rate changes may take 1-2 pay periods to take effect.

If voluntary

You have access to Betterment’s easy-to-use investing platform to save in our 401(k). You’ll have to claim your account in order to get started.

Learn how to pick a 401(k) contribution rate here. Note: Contribution rate changes may take 1-2 pay periods to take effect.

Section 3: Additional benefits (if applicable to your plan)

Financial coaching

With Betterment’s Financial Coaching, you have access to one-on-one sessions with a licensed financial professional, at no cost to you. You can ask any financial question, get personalized advice, and develop a plan to help you hit your financial goals.

Make an appointment here.

529 college savings plan

With a 529 College Savings Plan, you can set aside money for education expenses while enjoying tax advantages. Use it for K–12, college, or vocational schools—for yourself or a beneficiary. Plans are sponsored by your home state and may offer unique tax benefits like credits or deductions to help you keep up with rising education costs.

Use this step-by-step guide to get started.

Match on qualified student loan payments

With a match on qualified student loan payments, your employer contributes to your 401(k) while you focus on paying down your loans. It’s a smart way to tackle debt without missing out on retirement savings, giving your nest egg more time to grow through the power of compound interest.

Learn how it works.

Section 4: Additional resources

Resource center

Betterment offers a dedicated resource page with helpful articles, videos, and FAQs, from getting started with a 401(k) to preparing for retirement—and everything in between. Use it as your go-to hub for financial education and support by visiting betterment.com/my401k.

Download the app

Betterment is a tech-forward platform and has a highly-rated mobile app. Download it today!

Webinar

Betterment offers live webinars to guide you through the Betterment platform and highlight the benefits of saving with a 401(k). You’ll also have the opportunity to ask questions!

Section 5: Investment options (no advisor on the plan)

Investment options

Betterment offers a variety of professionally managed investment portfolios tailored to your risk tolerance and retirement goals. These portfolios are designed using low-cost exchange-traded funds (ETFs) and provide diversified exposure to global markets. Read more about these portfolios here, or watch this short video.

To learn more about the investing tools that help you stay on track for retirement, check out this guide.

Section 6: How-to guides

401(k) Rollover

If you have a 401(k) from a previous employer, you may want to consolidate your retirement savings by rolling it into your Betterment account. This helps keep your retirement savings in one place, making it easier to track and manage your retirement funds. For step-by-step instructions and additional details check out our resources:

Distribution options

If you’re leaving your company and have a balance in your 401(k) plan, you’ll need to decide what to do with your money. Even if retirement is many years away, your 401(k) savings will likely be an important part of your income when you’re no longer working. So regardless of how much you’ve saved, we encourage you to carefully review your options.

Loans & Hardship Distributions

Thinking about taking money from your 401(k)? Before you tap into your hard-earned savings, review this guide about 401(k) loans and hardship withdrawals—what they mean, when they make sense, and the impact they could have on your financial future.

Section 7: Contact

401(k) support

Betterment’s support team is available to assist you with questions about your 401(k) plan, rollovers, investment options, or contributions.

Call: (718) 400-6898
Monday-Friday 8 AM - 9 PM ET, and Saturday-Sunday, 9:00 AM–6:00 PM ET
Email: support@betterment.com
Download the app

HR/Benefits team support

Your HR/Benefits team is also here to support you. Contact us if you need to update employment information, correct a deferral, address an over-contribution, or check the status of a distribution request.

[HR team contact name]
Call: [phone number]
Email: [email address]

Section 8: Templated messaging

Suggested messaging

We’ve created ready-to-use templates you can share with your employees via email, Slack or Teams, on an internal site. Each template will open up in a new tab for you to copy and paste wherever the information needs to go.

Slide decks

Feel free to use these slides at your next team meeting!