Betterment at Work
Betterment at Work Pricing
Betterment at Work pricing from the vendor’s own pricing page: 3 plans, cost by headcount, and the extra fees to budget for.
- starting price
- $100/mo + $5/employee1
Betterment at Work plans
Essential
$5/employee/mo + $100/mo base (billed annually)1
- Dedicated onboarding specialist
- Payroll integrations with Gusto, TriNet and other providers
- 3(38) and 3(16) fiduciary services
Pro
$7/employee/mo + $150/mo base (billed annually)1
- Flexible plan design: vesting, new comparability
- Dedicated Plan Support team member
- Guided conversion of an existing plan
Flagship
Quote only1
Custom pricing
- Enhanced compliance guidance
- 401(k) Consultant
- Expanded employee benefits
Price at a glance
Betterment at Work cost by company size
- Essential$100/mo base + $5/employee/mo
- Pro$150/mo base + $7/employee/mo
| Employees | Essential | Pro |
|---|---|---|
| 1 | $105/mo$3,780 over 3 yrs | $157/mo$5,652 over 3 yrs |
| 5 | $125/mo$4,500 over 3 yrs | $185/mo$6,660 over 3 yrs |
| 10 | $150/mo$5,400 over 3 yrs | $220/mo$7,920 over 3 yrs |
| 25 | $225/mo$8,100 over 3 yrs | $325/mo$11,700 over 3 yrs |
| 50 | $350/mo$12,600 over 3 yrs | $500/mo$18,000 over 3 yrs |
| 100 | $600/mo$21,600 over 3 yrs | $850/mo$30,600 over 3 yrs |
Monthly cost at each plan’s annual-billing rate, before add-ons and taxes.
Extra and hidden costs
Implementation fee
Implementation: $500 for new plans, $1,000 for conversion plans.
0.25% annual advisory fee on participant assets
Listed by the vendor2
Additional fees or hourly charges for some compliance consulting services
Listed by the vendor2
Financial Coaching as a paid add-on
Pro2
Contract term
Annual1
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 Fidelity Workplace Investing | $100/mo3 | Base fee + per employee | Fidelity Workplace Investing pricing |
 Human Interest | $80/mo + $5/employee/mo4 | Base fee + per employee | Human Interest plans and prices |
 Betterment at Work | $100/mo + $5/employee/mo1 | Base fee + per employee | Betterment at Work pricing |
 Principal Financial Group | $145/mo + $6/employee/mo5 | Base fee + per employee | Principal Financial Group plans and prices |
| Vanguard Workplace Solutions | See plans | Base fee + per employee | Vanguard Workplace Solutions plans and prices |
 Empower | Quote only | What Empower costs |
Lowest published monthly price of a plan for 401(k) providers, cheapest first at 25 employees. “See plans”: priced on another basis; “Quote only”: no published price.
Frequently asked questions
How much does Betterment at Work cost?
Essential is $100 a month billed annually ($1,200) plus $5 per participant a month; Pro is $150 plus $7. Both add a 0.25% advisory fee on participant assets; Flagship is quoted.
Is there a setup fee?
Yes. A one-time implementation fee of $500 for new plans and $1,000 for conversion plans.
What plans does Betterment at Work offer?
Betterment at Work lists 3 plans: Essential ($5/employee/mo + $100/mo base, billed annually), Pro ($7/employee/mo + $150/mo base, billed annually), and Flagship. Annual-billing rates where marked, before add-ons.
What do alternatives to Betterment at Work cost?
At 25 employees Betterment at Work lists at $225 a month; the lowest-priced alternatives compared here are Fidelity Workplace Investing ($100, $125 less), Human Interest ($205, $20 less), and Principal Financial Group ($295, $70 more), at list price.
Does Betterment at Work require a contract?
Yes. Betterment at Work bills its plans annually.
How much does Betterment at Work cost per month?
On its lowest published plan ($100 plus $5 per head), Betterment at Work comes to about $150 a month for 10 employees and $350 for 50, at list price before add-ons and taxes; the Pro plan lists at $7/employee/mo + $150/mo base (billed annually). How that compares across the category: What 401(k) providers costs.
What does Betterment at Work charge beyond the subscription?
Betterment at Work lists 3 extra costs: 0.25% annual advisory fee on participant assets, Additional fees or hourly charges for some compliance consulting services, and Financial Coaching as a paid add-on.
Who makes Betterment at Work?
Betterment at Work (a 401(k) providers provider) is made by Betterment. Betterment is headquartered in New York, New York, USA.
How this page was made
What it is built from
14 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 24, 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
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Betterment at Work Pricing
Sources
The 5 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
- Betterment betterment.com/work/pricing“monthly record-keeping fee per participant” “We offer several tiers to fit your needs. From starter plans to full service, explore which one is right for you.”
- Betterment betterment.com/work/401k-compliance“For the above referenced services, additional fees and/or hourly charges may apply.”
- Fidelity Investments fidelity.com/retirement-ira/small-business/401k-plans“$100 monthly fee”
- Human Interest humaninterest.com/pricing“Per eligible employee $5 / mo”
- Principal simplyretirement.com/business-owners/why-simply-retirement“a $6 monthly fee per participating employee”