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401GO Reviews & Product Details

401GO Overview

What is 401GO?

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 providing retirement benefits, 401GO aims to bridge the gap by offering a streamlined approach to setting up and managing retirement plans. This innovative platform is specifically tailored for companies with limited budgets, ensuring that they can offer their employees a valuable benefit without overwhelming administrative burdens. The target audience for 401GO includes small business owners who may have previously felt excluded from the retirement plan market due to high costs and complex setups. Many of these businesses understand the importance of providing retirement options to their employees but lack the resources or knowledge to implement such plans effectively. 401GO addresses these concerns by simplifying the process, making it accessible for businesses of all sizes, particularly those with fewer than 100 employees. Key features of 401GO include a quick setup process that can be completed in just minutes, as opposed to the weeks or months typically required by traditional providers. This efficiency is complemented by an economical pricing structure that allows small businesses to offer competitive retirement benefits without straining their budgets. Additionally, 401GO takes care of all the administrative details, freeing up business owners to focus on their core operations rather than getting bogged down in paperwork. The platform employs innovative automated technology to manage the complexities of retirement planning, ensuring that both employers and employees can easily navigate their options. This technology not only simplifies the enrollment process but also provides ongoing support and resources to help users make informed decisions about their retirement savings. By offering a practical and beneficial 401(k) plan, 401GO empowers small businesses to enhance employee satisfaction and retention while promoting financial security for their workforce. Overall, 401GO stands out in the retirement plan market by providing a tailored solution that meets the unique needs of small businesses. Its commitment to affordability, efficiency, and comprehensive support makes it a valuable resource for employers looking to provide their employees with essential retirement benefits.

401GO Details
Product Website
Discussions
401GO Community
Languages Supported
English, Spanish
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Product Description

401GO makes retirement plans simple to manage and affordable for businesses of all size. We make 401k administration easy and efficient with our automated and comprehensive platform. Everything from record keeping, notifications, compliance, testing and day to day administration are all automated so businesses owners and administrators can focus on running their company while still providing an amazing retirement benefit that will attract and retain top talent. While most 401(k) plans involve many different service providers, we are fully integrated. We are the administrator, the record-keeper and the the plan fiduciary. With 401GO, you have one point of contact for everything related to your 401(k). Not only is this easier, it costs less too, since we've replaced hundreds of manual processes with an efficient automated tech-based solution. Our pricing is simple and straight-forward with no hidden fees. Our simple low price includes everything from compliance, testing, filing requirements and we even acquire an ERISA fidelity bond for businesses that need them, at no extra cost; something other providers leave up to the company to pay for and figure out.

How do you position yourself against your competitors?

We handle all aspects of a 401(k), so there is no need for additional service providers. We are the recordkeeper, plan administrator, and handle all 3(16) and 3(38) related fiduciary services.

Our fully integrated system does ongoing testing throughout the year to prevent surprises that arise during year-end testing. We also handle annual 5500 filings so you don’t have to.

We integrate with the best payroll providers. Simplify and streamline plan administration with our administration dashboard. Plan designs can be customized.

Our service is a fraction of the cost of traditional providers. Our pricing is simple and straightforward with no hidden fees. Our simple low price includes everything from compliance, testing, filing requirements and we even acquire an ERISA fidelity bond for businesses that need them, at no extra cost; something other providers leave up to the company to pay for and figure out.


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®
Description

401GO is a fintech retirement benefit platform. Using our proprietary automation technology, we have substantially simplified the setup and administration of a 401(k), reducing day-to-day work and driving down costs. We never automate relationships. We collaborate with financial advisors, payroll providers, benefits brokers and more to create the most beneficial solution for clients. And, in the unlikely event that you need help, we’ll be there. Our industry-leading support team is available by phone, email or chat.


Daniel B.
DB
Overview Provided by:
Co-Founder, CMO at 401GO

Recent 401GO Reviews

Dinko B.
DB
Dinko B.Small-Business (50 or fewer emp.)
5.0 out of 5
"GREAT EXPERIENCE, QUICK AND SIMPLE"
It has been very easy to set up and use it, and support is fast and personable. Responses are almost in real time
WC
Will C.Small-Business (50 or fewer emp.)
4.5 out of 5
"I am an Advisor and Client of 401Go"
Working with the staff at 401Go was awesome and easy. As an advisor and client, Dustin and team will walk you through every step in the process. Th...
Z Z.
ZZ
Z Z.Small-Business (50 or fewer emp.)
5.0 out of 5
"Easy Setup, Friendly Service"
Their team is awesome, and at every turn we had great communication. We never felt as though there was a question left unanswered for too long, and...
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401GO Media

401GO Demo - Simple and Intuitive Interface
Plans can be setup in as little as 8 minutes, employees can enroll in less than 5 and payroll and day to day administration can be automated through integrations with top payroll and HR benefit providers.
401GO Demo - Employees Enjoy the Simplicity of 401GO
Employees often complete their signup and in greater numbers than expected because of our easy to use interface
401GO Demo - Easy Small Business 401k Plans
Administration of participants and their contributions take can take only minutes per month
Play 401GO Video
Play 401GO Video

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142 401GO Reviews

4.8 out of 5
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142 401GO Reviews
4.8 out of 5
142 401GO Reviews
4.8 out of 5

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
Cons

Overall Review Sentiment for 401GOQuestion

Time to Implement
<1 day
>12 months
Return on Investment
<6 months
48+ months
Ease of Setup
0 (Difficult)
10 (Easy)
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G2 reviews are authentic and verified.
Jeffery L.
JL
Founder
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

We've been working with 401go for 3 years now and have placed our own 401k as well as several client plans on their platform. Easy to use. Great customer support. And the implementation and conversion process is about as simple as I've ever worked with.

Great service guys! Keep improving.

Jeff Review collected by and hosted on G2.com.

What do you dislike about 401GO?

We have a negotiated rate for our per person fees and it's always tricky trying to rememeber to reach out to them to make sure we ask them to extend it manually to each new client we onboard. It would be nice to have the option to simply have that be a standard pricing for our tenant. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

They are our administrator for our 401k plans - makes our life easy for the most part working with them for the retirement plan business we have. Their payroll integrations make things super simple for us as well. Review collected by and hosted on G2.com.

Response from Daniel Beck of 401GO

We're thrilled to hear that you've had a positive experience with 401go over the past 3 years! We appreciate your feedback and are glad to hear that our platform is easy to use and that you've had great customer support. We will definitely take your suggestion into consideration for standard pricing for your clients. Thank you for your continued support!

WC
Financial Advisor
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

Working with the staff at 401Go was awesome and easy. As an advisor and client, Dustin and team will walk you through every step in the process. They will not leave you to figure it out on your own. The ease of the platform and the support of the 401Go team is perfect. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

i haven't found anything yet that i am not happy with. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

I hated using other vendors that say they will be with you every step of the way and then they leave you to figure thier platform out on my own. Not with 401Go. they will walk you through the whole process until every step is completed. Review collected by and hosted on G2.com.

Response from Jennifer Stott of 401GO

We're so glad you've had such a positive onboarding experience! We continually strive to provide excellent support to our partners and clients.

Verified User in Human Resources
AH
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about 401GO?

401GO is a super convenient and simple way to manage employee's 401K services. This takes out all the guess work and the interface on the software is superbly designed.

Also - there is always a human on the other side available to help. Our 401GO Rep was very hands on in getting us all set up correctly. We're a small company so I wear many hats, I absolutely love services like this that make it easier to understand and provide benefits to our employees -- and 401GO rates at the top of my list for services. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

Honestly, nothing that I dislike about using this service! I guess one thing would be that it doesn't integrate directly with Square payroll but it's still very, very simple to use and report. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

We are a small company and I wear many hats. i need services like this to make compliance and employee benefits easy to manage as we don't have one HR person dedicated to only this. 401GO has made my life so much easier! Review collected by and hosted on G2.com.

Verified User in Chemicals
UC
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
Business partner of the seller or seller's competitor, not included in G2 scores.
What do you like best about 401GO?

Outstanding Experience with Exceptional Communication! Starting a new 401k program for our employees felt overwhelming at first, but working with Katie B. has made the process seamless. Katie is incredibly responsive, answering all my questions and emails with impressive speed. She’s also readily available for Google Meets, which adds a personal touch. The best part has truly been the clear and efficient communication—it’s reassuring to know I can always reach out with questions and receive thoughtful, prompt responses. For any business owner just starting out, this level of support is invaluable! Review collected by and hosted on G2.com.

What do you dislike about 401GO?

Good Service, But Room for Improvement on Recurring Features. Overall, the system works well, but one technical issue has been a bit inconvenient. One of my employees is on a weekly pay schedule, and there’s no option for a recurring setup. It’s a hassle to manually process it every week. I’m confident this will be addressed in future updates. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

User-Friendly Interface with a Simple and Convenient Fee Structure! Review collected by and hosted on G2.com.

Response from Daniel Beck of 401GO

Thank you for your feedback on the recurring features. We appreciate your input and will definitely consider this for future updates to enhance the user experience.

Todd S.
TS
Investor
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

The customer support and the customization options during setup were beyond my expectations. One of the Co-Founders spent an hour on a call answering my many questions which was greatly appreciated! Review collected by and hosted on G2.com.

What do you dislike about 401GO?

I'm not a big fan of the extra fee to have investments self managed by my financial advisor. Also, the fees for the defined benefit plan were a little higher than expected. I also think 401GO investment performance reporting is just average. I wish there was more custom reporting options to pull performance reporting by different cuts. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

Providing an easy to administer 401k + company match + profit share program for myself and my 3 employees. Review collected by and hosted on G2.com.

Verified User in Machinery
AM
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

It was easy to set up, it is easy to maintain, and it has been easy to get questions answered from a real person when needed. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

We have a bit of complexity with regards to a part-time employee who got enrolled by default even though they don't qualify - getting that fixed in between 401GO and our HRIS platform (through which we do payroll and use 401GO) has not been straightforward. But over-riding the error each pay period as instructed by 401GO, until we have the time to figure it out for real, has been easy enough, although not ideal. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

We want to put hands on our 401(k) plan as little as possible, and get support for administrators and users without extra delays or hoops to jump through. That has been the case so far. Review collected by and hosted on G2.com.

Response from Daniel Beck of 401GO

We appreciate your feedback and are happy to hear that you've found 401GO easy to use and have received good support when needed. We apologize for the inconvenience with the part-time employee enrollment and are actively working to improve integrations with the various HRIS platforms we connect to. Thank you for your understanding, and we're committed to resolving this issue for you.

Verified User in Computer Software
IC
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

We've been using 401GO, and it has truly exceeded our expectations. The platform's ease of implementation and intuitive user experience made setting up and managing our 401(k) plan seamless and stress-free. From onboarding to ongoing management, the process is straightforward, saving us time and simplifying what could otherwise be a complex task.

Their support team is knowledgeable and responsive, ensuring we always have help when needed. We’re thrilled with how 401GO has made retirement planning accessible and efficient for our organization, and we confidently recommend it to others looking for a reliable 401(k) provider.

Thank you, 401GO, for delivering a product that works so well for us! Review collected by and hosted on G2.com.

What do you dislike about 401GO?

So far, we like everything about 401GO for our business. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

401K management Review collected by and hosted on G2.com.

Response from Daniel Beck of 401GO

Thank you for sharing your positive experience with 401GO! We're thrilled to hear that our platform has exceeded your expectations and made managing your 401(k) plan stress-free. Our team is dedicated to providing a seamless and intuitive user experience, so it's great to know that you found the implementation process straightforward.

Luke T.
LT
Financial Advisor
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

A big upside to the 401GO platform is its digital nature. Being able to do everything from the data gathering, initial meetings, to general administration online is ideal in todays landscape. The support staff is responsive and friendly, willing to guide you and the clients through each step. The automation available on the backend makes management very easy if you have multiple plans. The integration into payroll is also well done. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

It may not be for every client or older folks who enjoy physical paper and relationships. I have not ran into this being an issue, but I know it could be and that is okay. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

It helps solve the issue of complication in selling and setting up a 401(k) for any business owner. It makes it easily available to very small companies and larger employers. That makes it a benefit add to our services. Review collected by and hosted on G2.com.

Response from Jennifer Stott of 401GO

Thanks for this feedback Luke! Our engineering team has worked very hard to make the backend management easy for our partners, and to digitize and automate as much as possible, and to build very stable and useful payroll integrations. It's good to hear these are paying off for you. Let us know how else we can make your life easier!

Dinko B.
DB
Professional Certified Coach
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

It has been very easy to set up and use it, and support is fast and personable. Responses are almost in real time Review collected by and hosted on G2.com.

What do you dislike about 401GO?

There could be more videos explaining everything and make explanations simpler, especially for those like me who are new into this. Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

It is allowing me to save for my retirement in an easy and comprehensive way. Review collected by and hosted on G2.com.

Response from Daniel Beck of 401GO

Thanks for the review and feedback Dinko! We put a lot of emphasis and priority on making sure we are immediately available to our clients and partners. I'm glad to hear we've been able to do that for you. Thank you for the suggestion on the videos. We are working on that specific thing and will start rolling out more of those support type tools within the next couple months.

Z Z.
ZZ
Co-Owner
Small-Business(50 or fewer emp.)
Validated Reviewer
Verified Current User
Review source: G2 invite on behalf of seller
Incentivized Review
What do you like best about 401GO?

Their team is awesome, and at every turn we had great communication. We never felt as though there was a question left unanswered for too long, and they made it easy to set things up for our company. Review collected by and hosted on G2.com.

What do you dislike about 401GO?

No real downsides to us, administration is pretty easy and if we ever need any help they are always there! Review collected by and hosted on G2.com.

What problems is 401GO solving and how is that benefiting you?

They are helping us offer 401k for our employees Review collected by and hosted on G2.com.