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đź‘Ź Success story: How Chicory drove better employee plan engagement with Betterment at Work.  Learn more

Your future-proof 401(k)

Betterment makes it easy and affordable for small and mid-market businesses to provide a scalable retirement plan.

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Recognized by: Bankrate on 1.6.25 for Jan '25. Fee paid for logo use; G2 on 4.1.25 for reviews since 11.10.20. Some reviewers compensated. See more. 
Want to save up to $15,000 on your 401(k)? See how tax credits can help

The 401(k) built to keep up with your growth.

Leverage our proven track record to deliver a better retirement plan. Provide everything from expert-built, curated portfolios to customizable investment options,  giving employees the flexibility to save on their terms.

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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.
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Dedicated service and expert operational support.

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Ongoing support for plan sponsors

Get 401(k) administration help and answers from our Plan Support Team or a dedicated Client Success Manager whenever you need it.
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Employee support team

Specialists are available via call, email, or chat to resolve the specific needs of employees.

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An onboarding specialist by your side

Quickly set up your new or conversion plan with support from a dedicated onboarding specialist.

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350+ payroll integrations.

We connect with your payroll to simplify plan administration, track employee eligibility, and automate away 401(k) hassle. See all our payroll integrations here.
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Everything was easy. Setup. Payroll integration. Compliance. I was surprised at how easy a 401(k) could be.”
Daniel Reed, Founder of Whycan
This was a great decision for our small business. Betterment integrates with our payroll service so it is easy to setup and manage. Our employees love having the retirement benefit and it makes our small business more attractive when hiring new employees."
Joe Cain, CEO of Valley Bio Services
Betterment is easy to manage as a business owner, is good value for the money, connects to our payroll platform, and provides a variety of investment and matching options for our employees."
Sarah Shimanek, CEO of Akasha Physiotherapy
Betterment is very user friendly and their system is very smart. I also appreciate that their customer service is quick to answer and help (with a real human!)."
Katherine Scott, Human Resources of 5280 Floors
Sure, other providers can go very in-depth (to the point where not everything is clear at first glance), but Betterment can accomplish the same tasks in an efficient and easy-to-understand manner."
Evan Weissman, Human Resources Manager
Paid client of Betterment. $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 more reviews at G2.

All-in pricing with no hidden fees.

Manage eligibility and coverage efficiently. We're transparent about our fees and don't hide future costs like some providers.

  • Control plan eligibility.

    Decide who can participate or be excluded from your plan, like seasonal or part-time workers.

  • Automatic force outs.

    Automatically remove terminated employees with low balances from your plan.

  • Fee flexibility.

    Decide what employees pay for and what your business covers. Transfer certain plan expenses back to former employees.

  • Only pay for active participants.

    Reduce fees by only paying for participants who fund their 401(k)s.

Powered by Betterment.

We pioneered a new way to invest, combining automation, investment choice, and fiduciary advisory services. Our 401(k) utilizes the same technology and expertise to support your business and employees.
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Still have questions?
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    Go in-depth on specific topics.

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    What is Betterment
at Work?

    Learn more about what we have to offer.

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Launch your 401(k) today.

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