Betterment at Work
Best Betterment at Work Alternatives
6 products that do the same job as Betterment at Work, matched to the reason you might switch, with similarity scores and published prices.
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Betterment at Work alternatives, closest first
Fidelity Workplace InvestingSimilarity 100
Human InterestSimilarity 100- Vanguard Workplace SolutionsSimilarity 100
Alternatives by reason for switching
Lower published price
Published pricing
Betterment at Work alternatives, closest first
Products built for the same job come first, then products that also cover it, each group by similarity: the share of categories (50%), company sizes served (30%) and pricing model (20%) a product shares with Betterment at Work.
Fidelity Workplace Investing
vs Betterment at Work: From $100 vs $225 a month at 25 employees (starting prices). 401(k) Providers score 7.7 vs 7.9.
Fidelity Workplace Investing plans and prices
Similarity100 of 100From $100/mo1
Human Interest
vs Betterment at Work: From $205 vs $225 a month at 25 employees (starting prices). 401(k) Providers score 9.4 vs 7.9.
Similarity100 of 100From $80/mo + $5/employee/mo3
Vanguard Workplace Solutions
vs Betterment at Work: Vanguard Workplace Solutions: from $3,775/yr; Betterment at Work: from $100/mo + $5/employee. Not scored yet in 401(k) Providers; Betterment at Work scores 7.9.
Vanguard Workplace Solutions plans and prices
Similarity100 of 100
Principal Financial Group
vs Betterment at Work: From $295 vs $225 a month at 25 employees (starting prices). Not scored yet in 401(k) Providers; Betterment at Work scores 7.9.
Principal Financial Group pricing
Similarity90 of 100From $145/mo + $6/employee/mo4
Empower
vs Betterment at Work: Empower: quote-only; Betterment at Work: from $100/mo + $5/employee. Not scored yet in 401(k) Providers; Betterment at Work scores 7.9.
Similarity70 of 100
Paychex Retirement Services
vs Betterment at Work: Paychex Retirement Services: quote-only; Betterment at Work: from $100/mo + $5/employee. Not scored yet in 401(k) Providers; Betterment at Work scores 7.9.
Paychex Retirement Services pricing
Similarity70 of 100
Why buyers look beyond Betterment at Work
Annual base fee
The base fee is billed each calendar year and is not prorated.
One-time fees
A $500 implementation fee for new plans and $1,000 for conversions.
Asset-based advisory fee
Participants pay a 0.25% annual advisory fee.
Betterment at Work vs its closest alternatives
| Product | Score | Starting base fee | Pricing model | SOC 2 Type II | Mobile apps |
|---|---|---|---|---|---|
 Betterment at Work5–7 | 7.9 | $100/mo (billed annually) | Base fee + per employee | Yes | Yes |
| Fidelity Workplace Investing1,8 | 7.7 | $100/mo | Base fee + per employee | Not verified | NetBenefits (web and mobile app) |
| Human Interest3,9 | 9.4 | $80/mo | Base fee + per employee | Yes | Not verified |
| Vanguard Workplace Solutions10 | Not scored | See plans | Base fee + per employee | Not verified | Not verified |
| Principal Financial Group4,11 | Not scored | $145/mo | Base fee + per employee | Not verified | Not verified |
| Empower12,13 | Not scored | Not verified | Not verified | Yes | Yes |
| Paychex Retirement Services14–16 | Not scored | Not verified | Quote only | Yes | Yes |
Not verified = we have no sourced value for it yet.
Alternatives to similar products
Frequently asked questions
What are the best alternatives to Betterment at Work?
Among products built for the same job in 401(k) Providers, the closest to Betterment at Work are Fidelity Workplace Investing, Human Interest, and Vanguard Workplace Solutions, by the categories, company sizes and pricing model they share. Fidelity Workplace Investing vs Betterment at Work: From $100 vs $225 a month at 25 employees (starting prices). 401(k) Providers score 7.7 vs 7.9.
What is a cheaper alternative to Betterment at Work?
Fidelity Workplace Investing: From $100 a month at 25 employees vs $225 for Betterment at Work (starting prices).
Which Betterment at Work alternatives publish their prices?
Of the alternatives to Betterment at Work, Fidelity Workplace Investing, Human Interest, Vanguard Workplace Solutions, and Principal Financial Group publish list prices for at least one plan. Betterment at Work publishes part of its pricing.
Which Betterment at Work alternative scores highest?
Human Interest scores highest at 9.4/10; Betterment at Work scores 7.9. Closest to Betterment at Work: Fidelity Workplace Investing (7.7).
Why do teams look for Betterment at Work alternatives?
The fit limits documented for Betterment at Work: annual base fee, one-time fees, and asset-based advisory fee. The “Why buyers look beyond Betterment at Work” section explains each one from its source.
Which Betterment at Work alternatives integrate with Gusto?
Fidelity Workplace Investing and Human Interest document an integration with Gusto, like Betterment at Work.
How this page was made
What it is built from
26 verified facts, each checked against the vendor's own pages or another primary source, most recently on Nov 2, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested Betterment at Work hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
Switching from Betterment at Work?
Tell us why you’re leaving and when your contract ends, and see the alternatives that fit, with verified evidence for what you need, ranked without regard to who pays us.
Sources
The 19 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- Fidelity Investments fidelity.com/retirement-ira/small-business/401k-plans“$100 monthly fee” “Straightforward pricing and an award-winning employee experience”
- Human Interest humaninterest.com/new-401k-standard“Simple pricing published on our pricing page”
- Human Interest humaninterest.com/pricing“Per eligible employee $5 / mo” “Base fee $80 / mo”
- Principal simplyretirement.com/business-owners/why-simply-retirement“There’s a one-time startup fee of $500 for bundled plans, a monthly recordkeeping fee as low as $145 ($435 billed quarterly), and a $6 monthly fee per participating employee.”
- Betterment betterment.com/work/pricing“monthly base fee, billed each calendar year annually ($1,200)” “monthly record-keeping fee per participant”
- Betterment betterment.com/hubfs/PDFs/b4b/employer-dashboard/Betterment%20at%20Work%20Security%20Brochure.pdf“Audit reports are made available to clients, including a SOC 2 Type II with coverage for the security program, as well as a SOC 1 Type II report with coverage for internal controls specifically relevant to us.”
- Betterment betterment.com/work“Weighted avg. app store rating as of 9/3/25 (reviews since: 9/10/10 Apple, 10/30/13 Google).”
- Fidelity Investments fidelityworkplace.com/s/401ksmallbusiness-details“Your employees will have access to NetBenefits®– Fidelity’s #1-rated web and mobile app¹”
- Human Interest security.humaninterest.com“SOC 1 SOC 2 Type 1 SOC 2 Type 2”
- Vanguard workplace.vanguard.com/content/dam/inst/iig-transformation/offers/vrpa/pdf/build-your-retirement-business-with-Vanguard-Retirement-Plan-Access-Advisor-pricing.pdf“Our bundled program includes both recordkeeping and certain plan administration services.” “Complete pricing information is available upon request.”
- Principal simplyretirement.com/business-owners“Pricing shown applies when working with a third party administrator (TPA).”
- Empower empower.com/plan-sponsors/about-empower/cybersecurity“Unqualified SOC 2 Type 2 third-party attestation”
- Empower empower.com/plan-sponsors/what-we-offer/small-to-mid“Participants can enroll, adjust contribution rates, track progress, and view their complete financial picture — all in one place, on web or mobile.”
- Paychex paychex.com/retirement-services“The cost of a Paychex 401(k) plan depends on factors like your business size and the services you require.”
- Paychex paychex.com/corporate/security“Paychex maintains SOC 1 Type 2 and SOC 2 Type 2 reports over various products and services.”
- Paychex paychex.com/apps/mobile-app“Access to payroll, time, HR, benefits, retirement, and scheduling”
- Principal principal.com/businesses/protect-my-employees/retirement-plans/401k-403b-plans“Get a quote in just a few minutes”
- Fidelity Investments fidelityworkplace.com/s/401ksmallbusiness-payroll
- Human Interest humaninterest.com/payrolls