Fidelity Workplace Investing plans
Fidelity Advantage 401(k)
$100/mo2
- Safe Harbor 401(k) with a standard employer match
- Fidelity acts as plan sponsor and 3(16) and 3(38) fiduciary
- Form 5500 filing and compliance testing handled
Price at a glance
Extra and hidden costs
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 Fidelity Workplace Investing | $100/mo1 | 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/mo5 | Base fee + per employee | Betterment at Work pricing |
 Principal Financial Group | $145/mo + $6/employee/mo6 | Base fee + per employee | What Principal Financial Group costs |
| Vanguard Workplace Solutions | See plans | Base fee + per employee | What Vanguard Workplace Solutions costs |
 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 Fidelity Advantage 401(k) cost?
The employer pays $100 a month and a $500 one-time implementation fee; participants pay a recordkeeping fee under $10 a month and a 0.125% advisory fee.
What do alternatives to Fidelity Workplace Investing cost?
At 25 employees Fidelity Workplace Investing lists at $100 a month; the lowest-priced alternatives compared here are Human Interest ($205, $105 more), Betterment at Work ($225, $125 more), and Principal Financial Group ($295, $195 more), at list price.
How much does Fidelity Workplace Investing cost per month?
On its lowest published plan ($100 flat), Fidelity Workplace Investing comes to about $100 a month for 10 employees and $100 for 50, at list price before add-ons and taxes; the Fidelity Advantage 401(k) plan lists at $100/mo. How that compares across the category: What 401(k) providers costs.
What does Fidelity Workplace Investing charge beyond the subscription?
Fidelity Workplace Investing lists 2 extra costs: Participant recordkeeping fee under and 0.125% investment advisory fee on participant balances.
Does Fidelity Workplace Investing charge an implementation fee?
Yes. Fidelity Workplace Investing lists an implementation fee: $500.
Who makes Fidelity Workplace Investing?
Fidelity Workplace Investing (a 401(k) providers provider) is made by Fidelity. Fidelity was founded in 1946 and is headquartered in Boston, Massachusetts, USA. Fidelity is privately held.
How this page was made
What it is built from
16 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 Fidelity Workplace Investing 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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Fidelity Workplace Investing Pricing
Sources
The 7 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”
- Fidelity Investments fidelity.com/retirement-ira/small-business/401k“$300 per quarter for plan administration” “$25 per quarter for record keeping”
- Fidelity Investments fidelityworkplace.com/s/401ksmallbusiness-details“Have 2+ employees at your business”
- Human Interest humaninterest.com/pricing“Per eligible employee $5 / mo”
- Betterment betterment.com/work/pricing“monthly record-keeping fee per participant”
- Principal simplyretirement.com/business-owners/why-simply-retirement“a $6 monthly fee per participating employee”
- Fidelity Investments fidelity.com/about-fidelity/our-company“Privately held since our founding in 1946” “Headquartered in Boston, Massachusetts, we employ over 80,000 associates across 11 countries”