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Running a small business is hard. Running your 401(k) shouldn't be.

An advisor sitting in front of a laptop, smiling
Vestwell powers nearly one million savers and 25,000 small businesses across the country.

An easy, cost-effective 401(k) plan to help your employees save for retirement.

  • Flexible


    Flexible investments and plan design so you can build the right offering for today and make future changes needed as you grow.

  • Integrated


    Dozens of payroll integrations to simplify eligibility and payroll processing.

  • Intuitive


    Modern, user-friendly interactions and experience.

  • Cost-effective


    Transparent, competitive pricing so you and your employees always know what you're paying for.

  • Streamlined


    Full-service administrative capabilities including operations, servicing, and 3(38), 3(21), and/or 3(16) compliance.

Getting started is as easy as...

  • Select


    Work with or without an advisor to select the right plan for you and your employees.

  • Onboard


    Provide the information needed to efficiently run and service your plan, all handled through our digital, interactive portal.

  • Implement


    We'll invite your employees to start saving... just upload your first payroll and census and we're off to the races!

Frequently Asked Questions

  • How does offering a 401(k) plan benefit my business?

    How does offering a 401(k) plan benefit my business?

    See answer ›

    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 401k) 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?
  • Do I need to hire a financial advisor to be able to offer a 401(k) plan?

    Do I need to hire a financial advisor to be able to offer a 401(k) plan?

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    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 book a meeting 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.

  • Why should I choose Vestwell for my company 401(k) plan?

    Why should I choose Vestwell for my company 401(k) plan?

    See answer ›

    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) platform 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.