401k Benefits with Vestwell

We've partnered with Vestwell to give you a simple way to offer a 401(k) retirement plan — right through your payroll account. Get started at 401ksales@vestwell.com.

Vestwell offers two bundled 401(k) plan tiers built for businesses of all sizes:

Both plans include recordkeeping, plan administration, compliance testing, investment management, and government filing — so you're covered end to end.

Vestwell is a modern savings platform and one of the country's top 10 retirement recordkeepers. They've helped over 500,000 businesses across all 50 states offer retirement benefits to their employees.

Vestwell handles the complexity of running a retirement plan — compliance, reporting, participant support, and more — so you can focus on running your business.

You can access the purchase flow directly through the Vestwell component in your payroll account.

You can also reach Vestwell's team directly at 401ksales@vestwell.com if you'd prefer to talk through your options first.

The process is straightforward. You'll answer a few questions about your business and Vestwell will recommend the right plan for you. Most businesses are up and running in a matter of weeks.

Once your plan is live, your payroll and Vestwell stay in sync automatically. When you run payroll:

You don't need to upload files, reconcile spreadsheets, or manually update your 401(k) after every pay run. Most employers spend less than 15 minutes per month managing their plan.

When you connect with Vestwell, you'll answer a few basic questions about your business, such as:

Vestwell's team will guide you through the rest, including plan design decisions and enrollment setup.

Vestwell supports plan conversions. If you're currently with another provider and want to switch, Vestwell will manage the transition process from start to finish.

Conversions typically take 2–3 months end to end, though the actual time investment on your end is much less — Vestwell handles the heavy lifting. The Workplace Plus tier is specifically designed for businesses converting from another plan.

Reach out to 401ksales@vestwell.com to get a comparison and understand what's involved.

Using Vestwell through your payroll account allows you to:

Vestwell's pricing is transparent and straightforward. There are no hidden transaction fees.

Solo(k): $45/month +0.30% asset based fee & +$150/year for spouse(optional)

Starter(k): $39/month + $8 per participant per month + 0.20% annual asset fee

Workplace: $125/month base fee + $8 per participant per month + 0.20% annual asset fee

Workplace Plus: $175/month base fee + $8 per participant per month + 0.20% annual asset fee

Fees are based on participants with account balances — not total eligible employees. You can also structure fees so they're paid by participants, the employer, or split between both.

If you're setting up a new plan, tax credits under SECURE 2.0 may significantly offset your costs in the first few years. Vestwell's team can walk you through what you may qualify for.

No. Both Vestwell plan tiers are fully bundled, which means you get everything in one place:

You don't need to hire a separate TPA or find a financial advisor to manage the plan. It's all handled.

Vestwell automates compliance so you don't have to track it yourself.

Throughout the year, Vestwell monitors your plan's compliance status and generates projected non-discrimination testing results. You can review these anytime through your Sponsor Dashboard.

At the end of the plan year, Vestwell prepares and electronically files your Form 5500 at no additional cost. If your plan is new, Vestwell files for all plan years administered on their platform.

If anything needs your attention, Vestwell's team will reach out proactively.

Yes. All Vestwell plans satisfy current state retirement savings mandates.

More than a dozen states — including California, Illinois, Colorado, and Oregon — now require employers to offer a retirement plan or enroll employees in the state-run program. Offering a 401(k) through Vestwell satisfies those requirements.

Vestwell is actually a leading provider of state-sponsored savings programs and powers over 85% of the country's live state auto-IRA programs, so they know this space well.

If you're unsure whether your state has a mandate, Vestwell's team can help you understand your obligations.

Don't worry — Vestwell's team will guide you through everything.

You don't need prior experience with retirement plans to get started. Vestwell handles the plan design recommendations, enrollment setup, employee communications, and ongoing administration. Most business owners find the process much simpler than they expected.

For specific questions about what plan is right for your business, contact Vestwell at 401ksales@vestwell.com.

Once your plan is live, employees receive an invitation to enroll directly through Vestwell's platform. They can access their account on desktop, tablet, or mobile to:

Vestwell's participant support team is available to help employees with any questions about their accounts.

For questions about getting started or plan options, contact Vestwell's sales team at 401ksales@vestwell.com.

Once your plan is live, your primary point of contact will be your dedicated Vestwell Customer Success Manager, whose information will be listed in your Sponsor Dashboard. Vestwell's support team is available Monday–Friday during business hours.

Need help or have questions?

Visit the Vestwell Sales Room for more info and sales materials

Contact Vestwell directly at 401ksales@vestwell.com or visit vestwell.com.