Betterment at Work | 401(k) Pricing and Fees

Essential

An affordable, easy-to-manage 401(k) plan for your employees’ retirement.
- $100
  monthly base fee, billed each calendar year annually ($1,200)
- +$5
  monthly record-keeping fee per participant
Includes:
Simple payroll integration with Gusto, Trinet, and other providers

3(38) and 3(16) fiduciary services with administrative, compliance, and investment support

Ongoing email and chatbot support for plan administrators

Getting started webinars and emails for employees
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Pro

Enhance your 401(k) with additional support, benefits, and customization to meet the needs of a growing workforce.
- $150
  monthly base fee, billed each calendar year annually ($1,800)
- +$6
  monthly record-keeping fee per participant
Everything in our Essential plan, plus:
Flexible plan design features such as vesting, new comparability, and more

Expanded support including easy call scheduling with a specialist

Guided support converting your existing plan

Additional employee financial benefits: Student Loan Management and 529 Education Savings

Financial Coaching available as an add-on benefit
Flagship

Get dedicated white-glove support and compliance guidance, plus individual financial coaching and a full suite of employee financial benefits.
- $292
  monthly base fee, billed each calendar year annually ($3,500)
- +$8
  monthly record-keeping fee per participant
Everything in our Pro plan, plus:
Expanded compliance support covering mid-year ADP testing and projected allocations

A dedicated Client Success Manager

Financial Coaching: 1:1 advice with our team of Financial Coaches, providing tailored guidance and advice to help employees take better control of their personal finances

One-time implementation fee applies. $500 for new plans, $1,000 for conversion plans.

The Annual Base fee covers the work required for compliance items for the year(s) that your plan is active on the Betterment platform. It is a set fee and not prorated because the work necessary to ensure your 401(k) plan is compliant is a yearly effort.

This fee covers preparing your plan document, annual compliance testing, draft Form 5500, and other compliance-related items. This fee is billed at the time of your first payroll upload and in Q1 of every year after that, as long as your plan is active with assets on the Betterment platform.

All-in-one dashboard.

Track metrics, send emails to employees directly, and access reports.
Payroll integration.

Streamline your administration process with simple payroll integration.
Fiduciary support.

Administrative, compliance, and investment support as a part of serving as your 3(16) and 3(38) fiduciary.
Low-cost retirement options.

Our diverse range of portfolios gives employees options to help them save.

Your plan for a better 401(k)

Essential

Includes:

Pro

Everything in our Essential plan, plus:

Flagship

Everything in our Pro plan, plus:

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Workplace solutions that fit the needs of your company.

All-in-one dashboard.

Payroll integration.

Fiduciary support.

Low-cost retirement options.

Your better 401(k) starts now.