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Best 401(k) Software for for Small Business

Jeffrey Lin
JL
Researched and written by Jeffrey Lin

Products classified in the overall 401(k) category are similar in many regards and help companies of all sizes solve their business problems. However, small business features, pricing, setup, and installation differ from businesses of other sizes, which is why we match buyers to the right Small Business 401(k) to fit their needs. Compare product ratings based on reviews from enterprise users or connect with one of G2's buying advisors to find the right solutions within the Small Business 401(k) category.

In addition to qualifying for inclusion in the 401(k) Software category, to qualify for inclusion in the Small Business 401(k) Software category, a product must have at least 10 reviews left by a reviewer from a small business.

G2 takes pride in showing unbiased reviews on user satisfaction in our ratings and reports. We do not allow paid placements in any of our ratings, rankings, or reports. Learn about our scoring methodologies.

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5 Listings in Small Business 401(k) Available

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    G2 Score
Human Interest 401(k)
By Human Interest, Inc.
(1,431)4.3 out of 5
Optimized for quick response
3rd Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$120.00
  • Overview
    Expand/Collapse Overview
    • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Human Interest is an easy way to offer a 401(k)or 403(b) that scales with your business. Our transparent pricing and customizable plans make offering a retirement benefit possible for companies of all

    Users
    • CEO
    • Owner
    Industries
    • Computer Software
    • Construction
    Market Segment
    • 81% Small-Business
    • 19% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
    • Human Interest 401(k) Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    119
    Easy Setup
    110
    Customer Support
    81
    Responsive Representatives
    79
    401k Management
    77
    Cons
    Poor Customer Support
    58
    Poor Onboarding
    37
    Payroll Issues
    32
    Difficulty Understanding
    29
    Email Issues
    22
  • User Satisfaction
    Expand/Collapse User Satisfaction
    • Human Interest 401(k) features and usability ratings that predict user satisfaction
    8.7
    Has the product been a good partner in doing business?
    Average: 8.6
    8.7
    Tax Benefits
    Average: 8.0
    8.5
    Reporting
    Average: 8.3
    8.6
    Monitoring
    Average: 8.7
  • Seller Details
    Expand/Collapse Seller Details
    • Seller Details
    Seller
    Human Interest, Inc.
    Company Website
    Year Founded
    2015
    HQ Location
    San Francisco, California
    Twitter
    @humaninteresthq
    1,373 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    746 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Human Interest is an easy way to offer a 401(k)or 403(b) that scales with your business. Our transparent pricing and customizable plans make offering a retirement benefit possible for companies of all

Users
  • CEO
  • Owner
Industries
  • Computer Software
  • Construction
Market Segment
  • 81% Small-Business
  • 19% Mid-Market
Human Interest 401(k) Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
119
Easy Setup
110
Customer Support
81
Responsive Representatives
79
401k Management
77
Cons
Poor Customer Support
58
Poor Onboarding
37
Payroll Issues
32
Difficulty Understanding
29
Email Issues
22
Human Interest 401(k) features and usability ratings that predict user satisfaction
8.7
Has the product been a good partner in doing business?
Average: 8.6
8.7
Tax Benefits
Average: 8.0
8.5
Reporting
Average: 8.3
8.6
Monitoring
Average: 8.7
Seller Details
Seller
Human Interest, Inc.
Company Website
Year Founded
2015
HQ Location
San Francisco, California
Twitter
@humaninteresthq
1,373 Twitter followers
LinkedIn® Page
www.linkedin.com
746 employees on LinkedIn®
Get a quote
Betterment at Work
By Betterment
(212)4.1 out of 5
Optimized for quick response
4th Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$100.00
  • Overview
    Expand/Collapse Overview
    • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Managing a 401(k) is challenging. That’s why Betterment at Work makes it simple for employers to offer a high quality 401(k). From ongoing administrative support & investment management, tailored

    Users
    • Owner
    • CEO
    Industries
    • Computer Software
    • Financial Services
    Market Segment
    • 73% Small-Business
    • 25% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
    • Betterment at Work Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    121
    Customer Support
    59
    Simple
    54
    Setup Ease
    40
    User Interface
    37
    Cons
    Poor Customer Support
    53
    Lack of Phone Support
    25
    Payroll Issues
    22
    Slow Communication
    21
    Email Issues
    20
  • User Satisfaction
    Expand/Collapse User Satisfaction
    • Betterment at Work features and usability ratings that predict user satisfaction
    8.1
    Has the product been a good partner in doing business?
    Average: 8.6
    8.5
    Tax Benefits
    Average: 8.0
    8.0
    Reporting
    Average: 8.3
    8.3
    Monitoring
    Average: 8.7
  • Seller Details
    Expand/Collapse Seller Details
    • Seller Details
    Seller
    Betterment
    Company Website
    Year Founded
    2010
    HQ Location
    New York, US
    Twitter
    @Betterment
    35,810 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    551 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Managing a 401(k) is challenging. That’s why Betterment at Work makes it simple for employers to offer a high quality 401(k). From ongoing administrative support & investment management, tailored

Users
  • Owner
  • CEO
Industries
  • Computer Software
  • Financial Services
Market Segment
  • 73% Small-Business
  • 25% Mid-Market
Betterment at Work Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
121
Customer Support
59
Simple
54
Setup Ease
40
User Interface
37
Cons
Poor Customer Support
53
Lack of Phone Support
25
Payroll Issues
22
Slow Communication
21
Email Issues
20
Betterment at Work features and usability ratings that predict user satisfaction
8.1
Has the product been a good partner in doing business?
Average: 8.6
8.5
Tax Benefits
Average: 8.0
8.0
Reporting
Average: 8.3
8.3
Monitoring
Average: 8.7
Seller Details
Seller
Betterment
Company Website
Year Founded
2010
HQ Location
New York, US
Twitter
@Betterment
35,810 Twitter followers
LinkedIn® Page
www.linkedin.com
551 employees on LinkedIn®
Get a quote

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Guideline
By Guideline
(811)4.4 out of 5
1st Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$39.00
  • Overview
    Expand/Collapse Overview
    • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Whether you’re starting or scaling your business, Guideline is the modern 401(k) your team will love. We make it easy to offer a premium benefit while keeping your business compliant — all with low fe

    Users
    • CEO
    • Owner
    Industries
    • Computer Software
    • Information Technology and Services
    Market Segment
    • 89% Small-Business
    • 11% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
    • Guideline Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    136
    Easy Setup
    100
    401k Management
    85
    Customer Support
    72
    Integrations
    67
    Cons
    Limited Options
    26
    Insufficient Information
    21
    Payroll Issues
    20
    Difficulty Understanding
    19
    Limited Investment Options
    18
  • User Satisfaction
    Expand/Collapse User Satisfaction
    • Guideline features and usability ratings that predict user satisfaction
    9.1
    Has the product been a good partner in doing business?
    Average: 8.6
    9.0
    Tax Benefits
    Average: 8.0
    8.9
    Reporting
    Average: 8.3
    8.9
    Monitoring
    Average: 8.7
  • Seller Details
    Expand/Collapse Seller Details
    • Seller Details
    Seller
    Guideline
    Company Website
    Year Founded
    2015
    HQ Location
    Burlingame, California, United States
    Twitter
    @Guideline401k
    1,076 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    419 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Whether you’re starting or scaling your business, Guideline is the modern 401(k) your team will love. We make it easy to offer a premium benefit while keeping your business compliant — all with low fe

Users
  • CEO
  • Owner
Industries
  • Computer Software
  • Information Technology and Services
Market Segment
  • 89% Small-Business
  • 11% Mid-Market
Guideline Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
136
Easy Setup
100
401k Management
85
Customer Support
72
Integrations
67
Cons
Limited Options
26
Insufficient Information
21
Payroll Issues
20
Difficulty Understanding
19
Limited Investment Options
18
Guideline features and usability ratings that predict user satisfaction
9.1
Has the product been a good partner in doing business?
Average: 8.6
9.0
Tax Benefits
Average: 8.0
8.9
Reporting
Average: 8.3
8.9
Monitoring
Average: 8.7
Seller Details
Seller
Guideline
Company Website
Year Founded
2015
HQ Location
Burlingame, California, United States
Twitter
@Guideline401k
1,076 Twitter followers
LinkedIn® Page
www.linkedin.com
419 employees on LinkedIn®
Get a quote
401GO
By 401GO
(142)4.8 out of 5
Optimized for quick response
2nd Easiest To Use in 401(k) software
Save to My Lists
Entry Level Price:$19.00
  • Overview
    Expand/Collapse Overview
    • Product Description
    How are these determined?Information
    This description is provided by the seller.

    401GO is a type of retirement plan solution designed to help small businesses and their employees access affordable and efficient 401(k) plans. Recognizing the challenges that small businesses face in

    Users
    • President
    • Owner
    Industries
    • Financial Services
    • Accounting
    Market Segment
    • 93% Small-Business
    • 7% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
    • 401GO Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Ease of Use
    15
    Easy Setup
    15
    Customer Support
    11
    401k Management
    10
    Responsive Representatives
    10
    Cons
    Poor Navigation
    3
    Email Issues
    2
    Expensive
    2
    Integration Issues
    2
    Limited Customization
    2
  • User Satisfaction
    Expand/Collapse User Satisfaction
    • 401GO features and usability ratings that predict user satisfaction
    9.6
    Has the product been a good partner in doing business?
    Average: 8.6
    9.3
    Tax Benefits
    Average: 8.0
    8.9
    Reporting
    Average: 8.3
    9.0
    Monitoring
    Average: 8.7
  • Seller Details
    Expand/Collapse Seller Details
    • Seller Details
    Seller
    401GO
    Company Website
    Year Founded
    2017
    HQ Location
    West Jordan, Utah
    Twitter
    @401GOtoday
    88 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    55 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

401GO is a type of retirement plan solution designed to help small businesses and their employees access affordable and efficient 401(k) plans. Recognizing the challenges that small businesses face in

Users
  • President
  • Owner
Industries
  • Financial Services
  • Accounting
Market Segment
  • 93% Small-Business
  • 7% Mid-Market
401GO Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Ease of Use
15
Easy Setup
15
Customer Support
11
401k Management
10
Responsive Representatives
10
Cons
Poor Navigation
3
Email Issues
2
Expensive
2
Integration Issues
2
Limited Customization
2
401GO features and usability ratings that predict user satisfaction
9.6
Has the product been a good partner in doing business?
Average: 8.6
9.3
Tax Benefits
Average: 8.0
8.9
Reporting
Average: 8.3
9.0
Monitoring
Average: 8.7
Seller Details
Seller
401GO
Company Website
Year Founded
2017
HQ Location
West Jordan, Utah
Twitter
@401GOtoday
88 Twitter followers
LinkedIn® Page
www.linkedin.com
55 employees on LinkedIn®
Ubiquity Retirement
By Ubiquity Retirement + Savings
(13)3.2 out of 5
Optimized for quick response
Save to My Lists
Entry Level Price:Starting at $19.00
  • Overview
    Expand/Collapse Overview
    • Product Description
    How are these determined?Information
    This description is provided by the seller.

    Since 1999, Ubiquity's mission has remained the same – to provide small business owners with qualified retirement plans that meet their needs and propel them towards bright financial futures. They've

    Users
    No information available
    Industries
    No information available
    Market Segment
    • 77% Small-Business
    • 23% Mid-Market
  • Pros and Cons
    Expand/Collapse Pros and Cons
    • Ubiquity Retirement Pros and Cons
    How are these determined?Information
    Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
    Pros
    Investment Options
    1
    Pricing
    1
    Responsive Representatives
    1
    Cons
    Difficulty Understanding
    1
    Lack of Mobile App
    1
    Lack of Phone Support
    1
    Plan Confusion
    1
    Poor Customer Support
    1
  • User Satisfaction
    Expand/Collapse User Satisfaction
    • Ubiquity Retirement features and usability ratings that predict user satisfaction
    8.0
    Has the product been a good partner in doing business?
    Average: 8.6
    8.3
    Tax Benefits
    Average: 8.0
    9.2
    Reporting
    Average: 8.3
    8.3
    Monitoring
    Average: 8.7
  • Seller Details
    Expand/Collapse Seller Details
    • Seller Details
    Seller
    Ubiquity Retirement + Savings
    Company Website
    Year Founded
    1999
    HQ Location
    San Francisco, California
    Twitter
    @ubiquitysavings
    2,580 Twitter followers
    LinkedIn® Page
    www.linkedin.com
    87 employees on LinkedIn®
Product Description
How are these determined?Information
This description is provided by the seller.

Since 1999, Ubiquity's mission has remained the same – to provide small business owners with qualified retirement plans that meet their needs and propel them towards bright financial futures. They've

Users
No information available
Industries
No information available
Market Segment
  • 77% Small-Business
  • 23% Mid-Market
Ubiquity Retirement Pros and Cons
How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Investment Options
1
Pricing
1
Responsive Representatives
1
Cons
Difficulty Understanding
1
Lack of Mobile App
1
Lack of Phone Support
1
Plan Confusion
1
Poor Customer Support
1
Ubiquity Retirement features and usability ratings that predict user satisfaction
8.0
Has the product been a good partner in doing business?
Average: 8.6
8.3
Tax Benefits
Average: 8.0
9.2
Reporting
Average: 8.3
8.3
Monitoring
Average: 8.7
Seller Details
Seller
Ubiquity Retirement + Savings
Company Website
Year Founded
1999
HQ Location
San Francisco, California
Twitter
@ubiquitysavings
2,580 Twitter followers
LinkedIn® Page
www.linkedin.com
87 employees on LinkedIn®
Get a quote
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Small Business
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5 Listings in Small Business 401(k) Available

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