401GO review

401GO is the cheapest group plan on this list with fiduciary administration included. GO-Starter costs $49 a month plus $6 per participant with no setup fee, and 401GO pitches it as an alternative to state-sponsored programs for very small companies. That entry plan already includes custody, 3(16) plan administration, recordkeeping, a 3(38) fiduciary, nondiscrimination testing and filing of Form 5500, 1099-R and 8955-SSA. GO-Plus at $139 a month plus $2 to $7 per participant adds profit sharing, vesting schedules, Safe Harbor designs, loans and hardship withdrawals, an ERISA bond and a dedicated relationship manager, with a $500 setup fee. GO-Solo costs $19 a month with a $250 setup fee. 401GO says it owns its whole stack instead of relying on outside recordkeepers and TPAs. The catch is the asset charge: both group plans list a 0.3% AUM fee plus a 0.04% advisory fee through GO Invest, which costs more than Ubiquity's flat model as balances grow.

Who it is for

very small companies and sole proprietors on a tight budget

Price

GO-Solo $19 a month with a $250 setup fee; GO-Starter $49 a month plus $6 per participant; GO-Plus $139 a month.

GO-Solo For sole proprietors and their spouses. No more obstacles to real retirement planning. $19 /month
Quoted from the vendor pricing page on November 14, 2026.

Key features

• GO-Starter at $49 a month plus $6 per participant with no setup fee
• GO-Plus at $139 a month plus $2 to $7 per participant, adding profit sharing, vesting and Safe Harbor plans
• 3(16) plan administration, recordkeeping and a 3(38) fiduciary on both Starter and Plus
• Fills, signs and sends Form 5500, 1099-R and 8955-SSA
• GO-Solo for sole proprietors and spouses at $19 a month

Strengths and weaknesses

• Strength: No setup fee on GO-Starter
• Strength: 3(16) administration included on the entry plan
• Strength: Per-participant fees drop as plan size grows
• Weakness: Asset fee of 0.3% plus a 0.04% advisory fee through GO Invest
• Weakness: Safe Harbor, profit sharing and loans need GO-Plus
• Weakness: GO-Plus carries a $500 setup fee

Key facts

• Group plans from: $49 a month + $6 per participant
• Solo plan: $19 a month + $250 setup
• Asset fee: 0.3% AUM + 0.04% advisory
• 3(16) administration: Included on Starter and Plus

Where it ranks

401GO is No. 6 in our Best 401K Providers verdict.