The Best 401(k) Software in 2026

• 14 tools ranked
• Updated Oct 2026
• Researched from official sources
• Compare tools in this directory
• Sponsor this list

We researched 401(k) software using vendors’ official websites, including pricing pages, plan tables and product documentation. Rankings consider how well each product handles 401(k) administration, value for money and verified features, helping employers compare solutions for managing workplace retirement plans.

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

The full ranking 14 tools, best first

1. 1
   
   Ameritas Retirement Plans 9.3

   Best forOrganizations seeking broad retirement plan administration

   Broad retirement-plan administration with enrollment, payroll, fiduciary and participant services.

   • Employee enrollment
   • Compliance support
   • Participant mobile app

   Pricing on request Our Ameritas Retirement Plans verdict → + Compare Visit AmeritasFor vendors Sponsor this spot · #1 · $149/mo →
   9.3/10★★★★★

   Visit Ameritas
2. 2
   CS
   Charles Schwab Retirement Plan Services 9.1

   Best forMid-market and enterprise employers

   A broad 401(k) service for employers seeking administration, compliance support, and participant tools.

   • Employee enrollment
   • Compliance support
   • Participant mobile app

   Pricing on request Our Charles Schwab Retirement Plan Services verdict → + Compare Visit Charles SchwabFor vendors Sponsor this spot · #2 · $99/mo →
   9.1/10★★★★★

   Visit Charles Schwab
3. 3
   
   Human Interest 8.8

   Best forSmall businesses needing payroll connectivity

   Payroll-connected retirement plan administration with tiered compliance support.

   Our Human Interest verdict → + Compare Visit Human InterestFor vendors Sponsor this spot · #3 · $79/mo →
   8.8/10★★★★☆

   Visit Human Interest
4. 4
   
   Guideline 8.6

   Best forSmall businesses wanting simple managed 401(k)s

   Guideline combines 401(k) administration, payroll automation, compliance and managed portfolios.

   • Employee enrollment
   • Compliance support
   • Participant mobile app

   Our Guideline verdict → + Compare Visit GuidelineFor vendors Sponsor this spot · #4 · $69/mo →
   8.6/10★★★★☆

   Visit Guideline
5. 5
   EF
   Employee Fiduciary 8.4

   Best forSolo owners and small employers needing compliance support

   A compliance-focused retirement plan service with clear annual fees and payroll connections.

   • Compliance support

   Our Employee Fiduciary verdict → + Compare Visit siteFor vendors Sponsor this spot · #5 · $59/mo →
   8.4/10★★★★☆

   Visit site
6. 6
   
   Vestwell 8.2

   Best forLow-cost plans with automated contributions

   A flexible 401(k) platform with plans starting at $45 per month.

   Our Vestwell verdict → + Compare Visit Vestwell
   8.2/10★★★★☆

   Visit Vestwell
7. 7
   
   Merrill Small Business 401(k) 8.0

   Best forSmall employers preferring Merrill-managed plans

   A focused small-business 401(k) with managed administration and ACH contributions.

   • Employee enrollment
   • Compliance support
   • Participant mobile app

   Our Merrill Small Business 401(k) verdict → + Compare Visit Merrill
   8.0/10★★★★☆

   Visit Merrill
8. 8
   TR
   Transamerica Retirement Solutions 7.8

   Best forEmployers needing multiple retirement plan types

   A broad retirement-plan service covering four plan types with web and mobile access.

   • Participant mobile app

   Pricing on request Our Transamerica Retirement Solutions verdict → + Compare Visit Transamerica
   7.8/10★★★★☆

   Visit Transamerica
9. 9
   
   Ubiquity Retirement + Savings 7.3

   Best forSmall and mid-market employers needing essentials

   Workplace plan setup, administration, and participant account access for small and mid-market employers.

   Pricing on request Our Ubiquity Retirement + Savings verdict → + Compare Visit Ubiquity
   7.3/10★★★★☆

   Visit Ubiquity
10. 10
    EC
    E*TRADE Corporate Retirement Services 7.0

    Best forEmployers seeking E*TRADE 401(k) support

    401(k) services pair employer administration support with participant account access.

    Pricing on request Our E*TRADE Corporate Retirement Services verdict → + Compare Visit E*TRADE
    7.0/10★★★★☆

    Visit E*TRADE
11. 11
    AH
    ADP Help Me Choose 6.8

    Best forMid-market and enterprise benefits enrollment programs

    A benefits enrollment decision tool, not core 401(k) administration software.

    Pricing on request Our ADP Help Me Choose verdict → + Compare Visit ADP
    6.8/10★★★☆☆

    Visit ADP
12. 12
    
    Betterment 6.5

    Best forIndividuals seeking retirement investing tools

    A personal investing and retirement-planning platform, not employer 401(k) administration software.

    Free plan Our Betterment verdict → + Compare Visit Betterment
    6.5/10★★★☆☆

    Visit Betterment
13. 13
    ES
    Empower Stock Plan Services 6.2

    Best forCompanies managing equity compensation instead of 401(k)s

    Equity plan administration for companies managing stock compensation, not 401(k)s.

    Pricing on request Our Empower Stock Plan Services verdict → + Compare Contact Empower
    6.2/10★★★☆☆

    Contact Empower
14. 14
    TR
    T. Rowe Price Retirement Plan Services 6.0

    Best forMid-market and enterprise employers

    Workplace retirement plan services for mid-market and enterprise employers.

    Pricing on request Our T. Rowe Price Retirement Plan Services verdict → + Compare Visit site
    6.0/10★★★☆☆

    Visit site

No tools match those filters.

Compare at a glance

#	Tool	Free plan	Paid from	Plan types	Score
1	Ameritas Retirement Plans			401(k); profit-sharing; multiple employer (MEP); pooled employer (PEP); money purchase; ERISA 403(b); solo 401(k); 457(b); prevailing-wage 401(k); defined benefit; cash balance; governmental; safe harbor 401(k)	9.3
2	CSCharles Schwab Retirement Plan Services	No		401(k); defined contribution; ESOP; profit-sharing; money purchase; defined benefit; nonqualified deferred compensation	9.1
3	Human Interest	No	$80/mo	401(k), 403(b) retirement plans	8.8
4	Guideline	No		Traditional 401(k), Roth 401(k), Safe Harbor 401(k), Profit Sharing, Solo 401(k)	8.6
5	EFEmployee Fiduciary	No	$500/yr	Traditional 401(k), Safe Harbor 401(k), Solo 401(k), 403(b)	8.4
6	Vestwell	No	$45/mo	401(k), 403(b), profit-sharing, cash-balance plans	8.2
7	Merrill Small Business 401(k)	No	$95/mo	401(k); Roth 401(k); Safe Harbor 401(k)	8.0
8	TRTransamerica Retirement Solutions	No		Defined contribution; defined benefit; pooled plan; nonqualified deferred compensation	7.8
9	Ubiquity Retirement + Savings	No			7.3
10	ECE*TRADE Corporate Retirement Services	No		401(k)	7.0
11	AHADP Help Me Choose				6.8
12	Betterment	Yes	$5/mo		6.5
13	ESEmpower Stock Plan Services				6.2
14	TRT. Rowe Price Retirement Plan Services				6.0

Head-to-head All 28 comparisons →

• CSAmeritas Retirement Plans vs Charles Schwab Retirement Plan Services
• Ameritas Retirement Plans vs Human Interest
• Ameritas Retirement Plans vs Guideline
• EFAmeritas Retirement Plans vs Employee Fiduciary
• Ameritas Retirement Plans vs Vestwell
• Ameritas Retirement Plans vs Merrill Small Business 401(k)
• TRAmeritas Retirement Plans vs Transamerica Retirement Solutions
• CSCharles Schwab Retirement Plan Services vs Human Interest
• CSCharles Schwab Retirement Plan Services vs Guideline

How we rank 401(k) software

Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated 7 Oct 2026 · How we research and update