Best Transamerica Retirement Solutions Alternatives in 2026

• 13 alternatives
• Updated Oct 2026
• Our Transamerica Retirement Solutions verdict

Transamerica Retirement Solutions: A broad retirement-plan service covering four plan types with web and mobile access. Where it falls short: pricing requires contacting sales and varies by plan.

All 13 Transamerica Retirement Solutions Alternatives, Ranked

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1. 1
   
   Ameritas Retirement Plans 9.3

   Best forOrganizations seeking broad retirement plan administration

   • Better than Transamerica Retirement Solutions:
   • Editor score 9.3 vs 7.8

   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 Ameritas
   9.3/10★★★★★

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

   Best forMid-market and enterprise employers

   • Better than Transamerica Retirement Solutions:
   • Editor score 9.1 vs 7.8

   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 Schwab
   9.1/10★★★★★

   Visit Charles Schwab
3. 3
   
   Human Interest 8.8

   Best forSmall businesses needing payroll connectivity

   • Better than Transamerica Retirement Solutions:
   • Editor score 8.8 vs 7.8

   Payroll-connected retirement plan administration with tiered compliance support.

   Our Human Interest verdict → + Compare Visit Human Interest
   8.8/10★★★★☆

   Visit Human Interest
4. 4
   
   Guideline 8.6

   Best forSmall businesses wanting simple managed 401(k)s

   • Better than Transamerica Retirement Solutions:
   • Editor score 8.6 vs 7.8

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

   • Employee enrollment
   • Compliance support
   • Participant mobile app

   Our Guideline verdict → + Compare Visit Guideline
   8.6/10★★★★☆

   Visit Guideline
5. 5
   EF
   Employee Fiduciary 8.4

   Best forSolo owners and small employers needing compliance support

   • Better than Transamerica Retirement Solutions:
   • Editor score 8.4 vs 7.8

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

   • Compliance support

   Our Employee Fiduciary verdict → + Compare Visit site
   8.4/10★★★★☆

   Visit site
6. 6
   
   Vestwell 8.2

   Best forLow-cost plans with automated contributions

   • Better than Transamerica Retirement Solutions:
   • Editor score 8.2 vs 7.8

   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

   • Better than Transamerica Retirement Solutions:
   • Editor score 8.0 vs 7.8

   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
   
   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
9. 9
   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
10. 10
    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
11. 11
    
    Betterment 6.5

    Best forIndividuals seeking retirement investing tools

    • Better than Transamerica Retirement Solutions:
    • Free plan

    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
12. 12
    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
13. 13
    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

How to Switch from Transamerica Retirement Solutions

1. Export your data from Transamerica Retirement Solutions (most tools have an export in their settings).
2. Sign up for the alternative; start on its free plan or trial if it has one.
3. Import your export and set up the integrations your team relies on.
4. Run both side by side for a short while, then cancel Transamerica Retirement Solutions.

Transamerica Retirement Solutions vs Each Alternative

#	Tool	Free plan	Paid from	Plan types	Score
8	TRTransamerica Retirement Solutions	No		Defined contribution; defined benefit; pooled plan; nonqualified deferred compensation	7.8
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	Ubiquity Retirement + Savings	No			7.3
9	ECE*TRADE Corporate Retirement Services	No		401(k)	7.0
10	AHADP Help Me Choose				6.8
11	Betterment	Yes	$5/mo		6.5
12	ESEmpower Stock Plan Services				6.2
13	TRT. Rowe Price Retirement Plan Services				6.0

Head-to-Head

• TRTransamerica Retirement Solutions vs Ameritas Retirement Plans
• TRCSTransamerica Retirement Solutions vs Charles Schwab Retirement Plan Services
• TRTransamerica Retirement Solutions vs Human Interest
• TRTransamerica Retirement Solutions vs Guideline
• TREFTransamerica Retirement Solutions vs Employee Fiduciary
• TRTransamerica Retirement Solutions vs Vestwell

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated 7 Oct 2026 · How we research and update