Financial planning Held-away 401(k) management Operations and workflow automation

401GO

Bundled 401(k) recordkeeping, administration and 3(38) lineup that advisors offer to small-business clients

Sandy, UT, US401go.comNot yet confirmed by the company

What it does

401GO is a retirement plan provider for small and mid-sized employers that also runs an advisor program, letting wealth advisors who are not retirement specialists put 401(k) and similar plans in front of their business-owner clients while remaining advisor of record.

The company handles recordkeeping, 3(16) plan administration, nondiscrimination testing, Form 5500 filing, payroll integration and a GO Invest 3(38) fund lineup, with Matrix Trust as custodian. Through an advisor portal, advisors build fund lineups or bring an outside 3(38), set their own fee schedule (flat, AUM-based or banded), generate proposals and track plan and participant activity, including terminations that may lead to rollovers.

401GO is based in Sandy, Utah, and was started by Dan Beck, Nate Beck and Jared Porter. Published pricing runs from $19/month for solo plans to $139/month for its main small-business plan plus per-participant and asset fees; it covers 401(k), safe harbor, 403(b), cash balance and IRA products.

Best for

Serves: RIAs, Broker-dealers, Retirement plans

Features

Advisor portal with custom fund lineups
Advisor-set fee schedules with direct fee deposit
3(38) investment fiduciary lineup
3(16) plan administration
Payroll integration
Automated nondiscrimination testing and Form 5500 filing
Participant activity and rollover visibility

Pricing and deployment

Pricing model: Tiered
Published pricing: GO-Solo $19/month + $250 setup; GO-Starter $49/month + $6/participant + 0.3% AUM; GO-Plus $139/month + $2-$7/participant + 0.3% AUM + $500 setup; GO-Enterprise (200+ participants) by quote
Deployment: Cloud