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Head-to-head · 401(k) Software

Employee Fiduciary vs Transamerica Retirement Solutions

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Employee Fiduciary #5 in 401(k) Software 8.4/10 Paid ✓ 1 of 3 features Visit site
Transamerica Retirement Solutions #8 in 401(k) Software 7.8/10 Pricing on request ✓ 1 of 3 features Visit Transamerica

Employee Fiduciary leads on 0 checks, Transamerica Retirement Solutions on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreEmployee Fiduciary · 8.4/10

Employee Fiduciary scores higher on our rubric for 401(k) software: 8.4 against 7.8 out of 10; our editors rank them #5 and #8.

Employee Fiduciary is the better fit for solo owners and small employers needing compliance support. Transamerica Retirement Solutions is the better fit for employers needing multiple retirement plan types.

  • Employee Fiduciary fits best

    Solo owners and small employers needing compliance support

  • Transamerica Retirement Solutions fits best

    Employers needing multiple retirement plan types

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Side by side

Feature Employee Fiduciary 8.4/10 Visit ↗ Transamerica Retirement Solutions 7.8/10 Visit ↗
At a glance
Editor score 8.4 7.8
Ranking #5 in 401(k) Software #8 in 401(k) Software
Best for Solo owners and small employers needing compliance support Employers needing multiple retirement plan types
Pricing model Paid Paid
Starting price $500/yr Pricing on request
Free plan — —
Free trial — —
Deployment Cloud Cloud, Mobile
Platforms Web Web, iOS, Android
Support Phone Phone, Docs
Built for Solo, Small business Small business, Mid-market, Enterprise
Features Employee Fiduciary 1/3 · Transamerica Retirement Solutions 1/3
Employee enrollment Not checked yet Not checked yet
Compliance support ✓ (best) Not checked yet
Participant mobile app Not checked yet ✓ (best)
Specs
Plan types Traditional 401(k), Safe Harbor 401(k), Solo 401(k), 403(b) Defined contribution; defined benefit; pooled plan; nonqualified deferred compensation
Payroll integrations QuickBooks Online Payroll, Paylocity, Paychex Flex, ADP Workforce Now, Justworks, TriNet, Rippling, Paycor, Paycom, Sequoia One, UKG Ready, Accuchex, Ahola HR Solutions Payroll, AssetHR, Certipay, Checkwise, Coastal Payroll, ConnectPay, Counter Point HCM, Dayforce, Dominion Payroll, Flexchecks, GTM Payroll Services, Heartland, HR Butler, Hybrid, isolved, OnPay, Patriot, Pay-Net, Paymasterpro, PAYNW, Payroll Network, Inc., Payroll Solutions, Run Powered by ADP, Trivantus, Trustpoint, UKG Pro, Whirks, Workday Not checked yet
Investment options Mixed Not checked yet
Our review
Pros
  • Combines recordkeeping, third-party administration and compliance reporting
  • Supports safe harbor, profit-sharing and Roth contributions, plus participant loans
  • Connects with payroll services including ADP Workforce Now and Rippling
  • Supports defined contribution, defined benefit, pooled, and nonqualified plans
  • Participant web access and mobile app support balance and account changes
  • Payroll administration tools and secure file transfer support plan operations
Cons
  • Standard 401(k) carries a $1,500 annual base fee
  • Both annual plans also charge 0.08% of plan assets for custody
  • Access is web-only
  • Pricing requires contacting sales and varies by plan
  • Support is limited to phone and documentation, without 24/7 coverage
  • Plan features and investment options may vary by plan
Our verdict

Employee Fiduciary provides retirement plan services for small businesses, self-employed professionals, nonprofits and advisors. Its options include traditional and safe harbor 401(k) plans, solo 401(k) plans and 403(b) plans. The service…

Read the review →

Transamerica Retirement Solutions provides employer retirement plans and recordkeeping services for small, mid-market, and enterprise organizations. Its coverage spans defined contribution, defined benefit, pooled plan, and nonqualified…

Read the review →
  1. Employee Fiduciary401(k) Software 8.4Paid
  2. Transamerica Retirement Solutions401(k) Software 7.8Pricing on request

Strengths and trade-offs

  • Employee Fiduciary — where it wins

    • Combines recordkeeping, third-party administration and compliance reporting
    • Supports safe harbor, profit-sharing and Roth contributions, plus participant loans
    • Connects with payroll services including ADP Workforce Now and Rippling

    Where it doesn't

    • Standard 401(k) carries a $1,500 annual base fee
    • Both annual plans also charge 0.08% of plan assets for custody
    • Access is web-only

  • Transamerica Retirement Solutions — where it wins

    • Supports defined contribution, defined benefit, pooled, and nonqualified plans
    • Participant web access and mobile app support balance and account changes
    • Payroll administration tools and secure file transfer support plan operations

    Where it doesn't

    • Pricing requires contacting sales and varies by plan
    • Support is limited to phone and documentation, without 24/7 coverage
    • Plan features and investment options may vary by plan
  • Employee Fiduciary8.4/10 · Paid

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

    Visit siteFull verdict →
  • Transamerica Retirement Solutions7.8/10 · Pricing on request

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

    Visit TransamericaFull verdict →

More comparisons

All 401(k) software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update