Business Operations·Standings

Compare 401(k) Software

401(k) software helps employers manage retirement plans, including employee enrollment, payroll connections, investments and compliance. Compare those capabilities, pricing and the platforms you need.

The board shows a signal score out of 10, plus marks for a public API, open-source code and a free tier. Check plan details and platform support before comparing options.

  • 14 platforms
  • 1 with a public API on this page
  • Checked 28 Sept 2026
  1. 1
    B
    Bettermentbetterment.com

    A financial service for guided investing, cash management and retirement planning.

    5.8 APIOpenFree From $0.65/yr
  2. 2
    CS
    Charles Schwab Retirement Plan Servicesschwab.com

    Workplace 401(k) services include plan administration, design consulting and employer analytics.

    5.5 APIOpenFree —
  3. 3
    HI
    Human Interesthumaninterest.com

    Human Interest is a full-service 401(k) and 403(b) provider for small and medium-sized businesses.

    5.4 APIOpenFree From $80/mo
  4. 4
    AH
    ADP Help Me Chooseadp.com

    A benefits guidance tool that matches employee survey answers with benefits offered by their employer.

    5.3 APIOpenFree —
  5. 5
    V
    Vestwellvestwell.com

    A cloud-based platform for retirement, education, health care and other savings programs.

    5.3 APIOpenFree From $45/mo
  6. 6
    AR
    5.2 APIOpenFree —
  7. 7
    G
    Guidelineguideline.com

    Guideline provides 401(k) and IRA plans for companies and solopreneurs and has joined Gusto.

    5.2 APIOpenFree From $49/mo
  8. 8
    EF
    Employee Fiduciaryemployeefiduciary.com

    A full-service 401(k) provider for small businesses, nonprofits, solopreneurs and advisors.

    5.0 APIOpenFree From $500/yr
  9. 9
    ES
    Empower Stock Plan Servicesempower.com

    Stock-plan administration tracks vesting dates, balances and values, with real-time reporting.

    4.8 APIOpenFree —
  10. 10
    ET
    4.6 APIOpenFree —
  11. 11
    TR
    4.3 APIOpenFree —
  12. 12
    MS
    Merrill Small Business 401(k)merrilledge.com

    Small-business plans include traditional, Roth and Safe Harbor 401(k) options.

    4.1 APIOpenFree —
  13. 13
    UR
    Ubiquity Retirement + Savingsmyubiquity.com

    Retirement savings services for employers.

    4.0 APIOpenFree —
  14. 14
    TR
    T. Rowe Price Retirement Plan Servicestroweprice.com

    Retirement plan services for employers.

    3.8 APIOpenFree —

Places #1, #2, #3, #4, #5 on this board are open to sponsors. Take #1 · Other ways to advertise

How to choose

Which plan types does it support?

Check the plan types against the retirement benefit you intend to offer. The compared features include plan types and investment options.

Ask how the available choices fit your employees and what plan details are included in the price.

Does it connect to your payroll system?

Choose software with payroll integrations that fit your existing payroll setup. Confirm which connections are available before committing.

A connection can affect how enrollment and payroll information move between systems.

How does employee enrollment work?

Compare the employee enrollment process and whether participants can use a mobile app. Platform availability varies; web, iOS and Android are represented in the category.

What compliance support is included?

Ask what compliance support the provider offers and whether it is included in the plan or priced separately. The board compares compliance support, but specific terms can depend on the provider.

How much does 401(k) software cost?

Compare the paid starting price, plan types and any pricing available on request. Listed examples include Employee Fiduciary from $500 per year, Human Interest from $80 per month and Merrill Small Business 401(k) from $95 per month.

Check whether quoted costs cover the features and support your organization needs.

Questions

What does 401(k) software do?

It helps employers manage retirement plans. Compared features include employee enrollment, payroll integrations, investment options, compliance support and participant mobile apps.

How much does 401(k) software cost?

Pricing varies. Some listed options show a starting price, while others provide pricing on request. Confirm costs and what is included with the provider.

Can employees manage a 401(k) from a phone?

Participant mobile app is one of the compared features. Platform availability across the category includes iOS and Android, as well as web.

What should I compare in 401(k) software?

Compare plan types, employee enrollment, payroll integrations, investment options, compliance support, participant mobile apps, pricing and platform support.

Does 401(k) software connect to payroll?

Payroll integrations are among the compared features. Check with a provider to confirm that it supports your payroll system.

Some top positions on this board can be paid placements, standing where they were sold. The facts on each platform are not for sale. How we rank · Disclosure