A modern retirement benefit built for your business.

OnPay has partnered with Vestwell to offer a customizable, streamlined, and affordable retirement plan for your workforce. Join more than 500,000 businesses across all 50 states enabled by Vestwell’s modern savings platform.

You can also reach us directly at +1 833-926-2033.

Exclusive pricing and plan options only for OnPay customers.

Workplace

$125/mo

 

Best choice for a standard suite of plan design options. Affordable, all-in price.

Includes:


  • Checkmark 3(16) Fiduciary Administration
  • Checkmark Payroll integration
  • Checkmark Dedicated service representative
  • Checkmark Optional Loans, In-Service, and Hardship Withdrawals
GET STARTED

Plus

$175/mo

 

Best choice for a more flexible suite of plan design options. Balance of flexibility and price.

Everything in Workplace, plus:

  • Checkmark Expert plan consultation and flexible plan design
  • Checkmark Hours-based eligibility
  • Checkmark Optional Discretionary Match & Profit Sharing
GET STARTED

Employee Pricing

Saving with Vestwell can cost savers up to 8x less than the industry average*:

Start saving for retirement in less than five minutes
View their savings, investment strategy and fund breakdown in a few simple steps
Access support from a dedicated service team through phone, email, or live chat
Explore a comprehensive digital help center with 401(k) educational articles and videos

$8 / month

For less than 33 cents a day, active employees get access to our best-in-class retirement platform, comprehensive financial education resources, and on-demand support.

0.60% / year

This fee covers recordkeeping, trust, custody, and investment management services.

CASE STUDY

Don't just take our word for it.

Here directly from OnPay customers on how Vestwell's payroll integration makes it easy to manage their plan. 

Learn more
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Let's see your potential savings!

If you start a qualified retirement plan with auto-enrollment, you may qualify to earn tax credits of $15,000 or more depending on the size and eligibility of your business.

Do you currently have a 401(k) plan?

What year was it started?

If the plan is more than five years old, it may not be eligible for tax credits. But you may still be eligible for a $500 auto-enrollment credit!

How many employees (including owners) were paid more than $5,000 in W-2 wages last year??

If there are more than 100 employees, only the auto-enrollment credit may be applied.

How many of those employees will earn more than $100,000 this year??

Please enter number equal to or less than your total employee count.

How many of those employees are classified as owners (as defined by the IRS)? ?

Who will pay the monthly employee fees??

Which plan type?

The maximum number of employees for a Solo plan is 1. Please adjust for accurate results.

Year 1
Year 2
Year 3
Total

Total recordkeeping fees

   › Annual recordkeeping fees

   › Setup fee ?

   › Employee fee (optional)?

Total tax credits up to

 › Start-up credit ?

 › Auto-enrollment credit ?

 › Matching contributions* ?

Please note: this calculator is for illustration purposes only. It should not be construed as tax advice. Please consult a tax professional regarding specific tax needs. For further information please visit the IRS website. The tax credits available to your company may change based up on the number of HCEs. Also, the definition of HCE may change based on IRS rules.

Get Started
* Please note, this number does not take into account the total amount the employer would be contributing, just the possible tax credit they can receive. For example, if the average salary is $50,000 and there's a 3% match, that's a $1,500/yr contribution from the employer. If there's less than 50 employees, this tax credit would cover the first $1,000, leaving the employer with a $500 net contribution per employee.

Build your offering confidently with OnPay and Vestwell.

With exclusive pricing and seamless integration with OnPay, there's never been a better time to start a 401(k) plan.

 

As-Seen-In
Vestwell.com is owned and operated by Vestwell Holdings, Inc. and its subsidiaries. ("Vestwell"), located in New York, NY. Investment-related content is provided for general information purposes by Wilshire Advisors LLC. Investments involve risk and are not guaranteed. For more information about how we collect and use personal information, please read Vestwell’s privacy policy.
 
Wilshire Advisors LLC (Wilshire®) is an investment advisor registered with the United States Securities and Exchange Commission. Wilshire serves as the investment fiduciary and uses mathematical and statistical investment processes to allocate assets, select managers and construct portfolios and funds in ways that seek to outperform their specific benchmarks. Past performance is not indicative of future results, and processes used may not achieve the desired results. Asset allocation/diversification does not guarantee a profit or protect against a loss.
 
Investing in securities involves risk of loss and should only be done in accordance with an individual's risk tolerance, time horizon and tax circumstances. Wilshire does not guarantee the future performance or profitability of the Plan or of any investment alternative that we may recommend for the Plan's investment lineup.
 
Wilshire is a global financial services firm providing services to various types of investors and intermediaries. Wilshire's products, services, investment approach and advice differ between clients and all of Wilshire's products and services may not be available to all clients. For more information regarding Wilshire's services, please see Wilshire's ADV Part 2 available at www.wilshire.com/ADV.
 

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