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Business Operations

Best 401(k) Software in 2026

This list helps compare software for running 401(k) plans and services. Use it when reviewing plan costs, administration features and participant access.

  1. 01 Betterment
    From $0.05/mo Free plan Web · iOS · Android
    9.1 Visit Specs
  2. 02 ADP Help Me Choose

    It suits employees choosing employer-provided benefits during Open Enrollment and businesses seeking an optional guided enrollment experience.

    Web · iOS · Android
    7.8 Visit Specs
  3. 03 Charles Schwab Retirement Plan Services
    Free plan Web · iOS · Android
    7.1 Visit Specs
  4. 04 Vestwell
    From $45/mo Web · iOS · Android
    7.1 Visit Specs
  5. 05 Human Interest
    From $80/mo Web · iOS · Android
    6.6 Visit Specs
  6. 06 Ameritas Retirement Plans
    Web · iOS · Android
    6.3 Visit Specs
  7. 07 Employee Fiduciary
    Web
    5.9 Visit Specs
  8. 08 Empower Stock Plan Services
    Web
    5.8 Visit Specs
  9. 09 Guideline
    Web · iOS · Android
    5.7 Visit Specs
  10. 10 E*TRADE Corporate Retirement Services
    Web
    5.6 Visit Specs
  11. 11 Merrill Small Business 401(k)
    Web · iOS
    5.5 Visit Specs
  12. 12 Transamerica Retirement Solutions
    Web · iOS · Android
    5.5 Visit Specs
  13. 13 Ubiquity Retirement + Savings
    Web
    5.2 Visit Specs
  14. 14 T. Rowe Price Retirement Plan Services
    5.1 Visit Specs
How this list is ordered. Specifiction scores each tool on how fully its maker documents it, whether its prices are published, where the research puts it, the platforms it runs on and whether it can be tried for free (how we rank). Makers can also buy a numbered place (how Specifiction is paid for).

Check platform support, free and paid pricing, plan types, employee enrollment, payroll integrations, investment options and compliance support before choosing.

Compare Betterment and ADP Help Me Choose Get a place on this list

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