New StarterK Offering: A simple 401(k) with no employer contributions and easy setup
A modern retirement benefit built for your business.
Exclusive pricing and plan options only for Patriot customers.
StarterK
$39/mo
A streamlined 401(k) with no employer contributions, easy setup, and affordable pricing.
Includes:
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A lean, easy-to-manage 401(k) built for simplicity
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No employer contributions
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New 401(k)s only
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$6,000 employee contribution limit (2025)
Solo K
$80/mo
A flexible 401(k) for self-employed individuals looking to maximize their retirement savings.
Includes:
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1:1 onboarding contact & dedicated service team
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Payroll integration with Patriot
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3(16) plan administration and 3(38) investment management
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Recordkeeping and custody
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Flexible plan design options
Basic
$80/mo
A basic 401(k) option with simplified plan features and employer contributions.
Includes:
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1:1 onboarding contact & dedicated service team
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Payroll integration with Patriot
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3(16) plan Administration and 3(38) investment management
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Recordkeeping and custody
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Standard plan design options including basic safe harbor features & optional hardship withdrawals and loans
Full Service
$100/mo
Choose Full Service if you're seeking more flexible plan features at an affordable price point.
Includes everything in Basic, plus:
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Expert plan design consultation
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Complex eligibility options including hours-based eligibility
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Flexible vesting options
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Extended safe harbor and profit-sharing features
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Discretionary match options
Employee Pricing
Saving with Vestwell can cost savers up to 8x less than the industry average*:
$8 / month
For less than 30 cents a day, active employees get access to our best-in-class retirement platform, comprehensive financial education resources, and on-demand support.
Don't just take our word for it.
Here directly from Patriot customers on how Vestwell's payroll integration makes it easy to manage their plan.
If you start a qualified retirement plan with auto-enrollment, you may qualify to earn more than $150,000 in tax credits over a three-year period.
Total recordkeeping fees
› Annual recordkeeping fees
Total tax credits up to
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.
Build your offering confidently with Patriot and Vestwell.
With exclusive pricing and seamless integration with Patriot, there's never been a better time to start a 401(k) plan.

patriot@vestwell.com
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 VESTWELL ADVISORS, LLC, AN SEC-REGISTERED INVESTMENT ADVISER, AND IS NOT INTENDED TO BE CONSTRUED AS INVESTMENT ADVICE. INVESTMENTS INVOLVE RISK AND ARE NOT GUARANTEED. READ OUR PRIVACY POLICY. VIEW THE FORM ADV PART 1 AND FORM ADV PART 2 FOR VESTWELL ADVISORS, LLC.
*NOTE: This cost can be passed on to the employee.
*Footnote: See 401(k) Averages Book, 24th Ed. (2023) based on the industry average, including recordkeeping, investment management, and fund expenses, for plans with 25 participants and a $250,000 average account balance. Expense ratios vary and are subject to change.
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