WORKPLACE
Starting at
$125
/mo
billed annually
A simple, modern way to launch your first 401(k). Everything you need to get started quickly and support employees with confidence.
Dedicated onboarding support
Fast plan launch in one call
Compliance and filings handled
Seamless payroll integration
PLUS
Starting at
$175
/mo
billed annually
Everything in Workplace, plus:
Adds customization and conversion support so your plan fits your business goals.
Tailored plan design with experts
Flexible employer contributions
Smooth 401(k) conversions
FLEX
Starting at
$250
/mo
billed annually
Everything in Plus, plus:
Advanced investment options and administration for businesses wanting the highest level of control.
Open architecture investment platform
Advisor-led portfolios
Expanded TPA services
Advanced features like loans and hardship withdrawals
*These fees are for Vestwell's services only and do not include expenses related to the investments offered under the plan.
As Seen In
Why should I choose Vestwell?
Vestwell powers retirement plans for financial advisors, state programs, and leading institutions, now available to small businesses too. Get the best of both worlds: top-tier quality at an affordable price.
Is Vestwell safe?
Yes, all assets are held with independent custodians and plans are fully ERISA-compliant.
Does Vestwell work with my payroll provider?
Almost certainly - check out our full list of integrations here.
I heard there may be tax benefits. What do those look like?
Your small business may be eligible to receive up to $16,500 in tax credits over the first three years to offset the expenses needed to set up, administer, and educate employees about the plan. E-mail sales@vestwell.com or book a meeting with one of our plan experts to find out how much you could save.
Start your journey with Vestwell today?
See our Privacy Policy to learn how we use and protect your information.
Smart 401(k) Plans Built for Your Business
Plan Design and Setup
Our industry specialists partner with you to build the plan that best suits your business and make any changes as you grow.
Plan Administration
You can get reliable recordkeeping, reporting, plan tracking, government form filing, 3(16) fiduciary services, and compliance support all in one place.
Investment Support
If we’re the 3(38) fiduciary, we’ll monitor investments, select funds, and make decisions in your employees’ best interest.
Payroll Integrations
The platform can integrate with 190+ payroll providers and we’re constantly adding new connections.
Fiduciary Services
3(16) and 3(38) fiduciary level oversight can help reduce liability, improve compliance, and lower costs, so you can stay focused on your business.
Personalized Support
From day one, you get 1:1 onboarding guidance, and our employer services team provides the expertise and support you need, when you need it
Frequently asked questions
How does offering a 401(k) retirement plan benefit my business?
Here’s a few key benefits:
Recruitment and retention: Retirement benefits help attract and retain top talent - especially in 2022’s tight labor market. More than 3 in 4 (77 percent) working Americans rank retirement savings—such as 401(k) and pension plans—as one of the most important employer-sponsored financial wellness benefits.
Tax advantages: Employer contributions are deductible on the employer’s federal income tax return, up to a certain amount. And if you’re starting a new 401(k) plan, you may be eligible to receive up to $16,500 in tax credits over the first three years to offset the business expense of setting up your 401(k).
Ready to get started?
*Source: Vestwell 2024 Savings Report
Why should I choose Vestwell for my company 401(k) plan?
Vestwell is designed to support small businesses and trusted by financial professionals. We partner with financial advisors all over the country, power state government retirement programs, and partner with leading financial institutions that trust us with their retirement offering.
The same 401(k) provider that powers major establishments is available to you as a small business. With Vestwell, you get the best of both worlds: affordable price and top-tier quality.
Do I need to hire a financial advisor to be able to offer a 401(k) plan?
You don’t need to. However, a trusted advisor can help you find the savings program that’s best for your employees. The role of the advisor is becoming increasingly important - especially for small businesses. In fact, the number of savings plans associated with a financial advisor jumped from 68% of all plans in 2008 to 93% today. You can connect with one of our plan experts to discuss your business needs. If you’d like to find an advisor, we can help with that, too.
*Source: Vestwell 2024 Savings Report
What is a Safe Harbor 401(k)?
Safe Harbor 401(k) plans can be a win-win for employers that want to maximize tax savings, bypass certain annual testing requirements, and retain employees through a required employer match. Learn more.
What is the difference between a SIMPLE IRA vs. 401(k)?
There are several factors to consider when deciding between a SIMPLE IRA vs. 401(k). Key differences to consider include contribution limits and flexibility in plan design. Learn which plan type may be best for your business in our blog "SIMPLE IRA vs 401(k) Plan: 5 Differences to Consider When Switching Plan Types."
