Top 10 Best 401K Software of 2026

Fidelity NetBenefits is a leading online platform for managing 401(k) and other employer-sponsored retirement plans, providing employees with tools to view account balances, track performance, make contributions, and rebalance portfolios. Employers leverage it for seamless plan administration, including enrollment, compliance reporting, and participant education resources. With integration into Fidelity's extensive investment ecosystem, it supports a wide range of funds, ETFs, and brokerage options for diversified retirement saving.

Vanguard Retirement Services provides comprehensive 401(k) plan administration, recordkeeping, and investment management for employers and participants. It offers access to a wide array of low-cost index funds, target-date funds, and retirement planning tools through an intuitive online platform and mobile app. The service emphasizes long-term, passive investing with robust educational resources to help users optimize their retirement savings.

Empower Retirement is a leading 401(k) plan administrator offering end-to-end recordkeeping, investment management, and participant services for employer-sponsored retirement plans. The platform provides tools for plan sponsors to manage contributions, compliance, and reporting, while participants access personalized investment advice, retirement calculators, and educational resources via web and mobile apps. It supports a wide range of plan sizes with scalable features and integrates wealth management through its Personal Capital acquisition.

Guideline is a tech-driven 401(k) platform tailored for small and mid-sized businesses, offering end-to-end plan administration, compliance, and investment management. It automates employee onboarding, payroll-integrated contributions, and regulatory filings, reducing administrative burdens for employers. The service provides access to low-cost index funds and Roth options, with built-in financial wellness tools to boost participation.

Human Interest is a modern 401(k) platform tailored for small and medium-sized businesses, simplifying the setup, administration, and compliance of retirement plans. It offers automated payroll integration, participant self-service portals, and features like auto-enrollment, Roth options, and financial wellness tools. The service handles fiduciary responsibilities, making it accessible for companies without in-house HR expertise.

Ubiquity Retirement + Savings is a full-service 401(k) recordkeeping and administration platform tailored for small to mid-sized businesses. It provides daily plan valuations, compliance monitoring, employee self-service portals, and seamless integrations with payroll providers like QuickBooks, Gusto, and ADP. The platform focuses on affordability and simplicity, helping employers offer retirement plans without heavy administrative overhead.

ForUsAll is a fintech platform specializing in 401(k) plans for small businesses, startups, and self-employed individuals, offering solo 401(k)s and employer-sponsored plans with automated setup. It integrates seamlessly with payroll providers like Gusto and TriNet, provides access to low-cost Vanguard index funds and Collective Investment Trusts (CITs), and includes compliance tools, employee self-onboarding, and a mobile app for plan management. The service emphasizes simplicity, transparency, and affordability for companies without dedicated HR teams.

Vestwell is a modern 401(k) recordkeeping and administration platform tailored for financial advisors, third-party administrators, and small to mid-sized businesses. It provides end-to-end automation for plan setup, compliance, payroll integrations, and participant services with a focus on low costs and scalability. The software emphasizes transparent pricing, mobile accessibility, and tools to streamline retirement plan management while reducing administrative burdens.

Ascensus provides comprehensive 401(k) administration and recordkeeping software, handling everything from plan setup and employee enrollments to compliance testing and participant reporting. The platform supports small to large employers with tools for managing contributions, investments, loans, and distributions while ensuring ERISA compliance. It emphasizes scalability and integration with payroll systems and third-party custodians.

Principal (principal.com) offers robust 401(k) plan administration services, including recordkeeping, compliance management, investment options, and participant support through an online portal. The platform enables plan sponsors to handle payroll integrations, automated enrollments, and performance reporting seamlessly. It integrates financial wellness tools and educational resources to enhance employee engagement and retirement readiness.