# Largest 401(k) Recordkeepers by Assets (AUM) Source: https://planprovider.pro/largest-401k-recordkeepers?page=2 > Review the top 10 largest 401k recordkeepers: #1 Fidelity ($4.5T), #2 Empower ($1.8T), #3 Vanguard ($800B). Compare AUM & stats for 50 providers. Compare the industry's largest 401(k) recordkeepers by Assets. From #1 Fidelity with 4.4 trillion in assets to #10 ADP and everyone in between. Browse 48 providers in this category. ## Provider ranking - ### [PCS Retirement, LLC](https://planprovider.pro/provider/pcs-retirement-llc) Plan Administrator Philadelphia, PA **Stats:** 15,636 clients • $30.0B under management • 420K participants **Company:** Est. 2001 • 359 employees [View Profile](https://planprovider.pro/provider/pcs-retirement-llc) - ### [Ameritas Retirement Plans](https://planprovider.pro/provider/ameritas-retirement-plans) Plan Administrator Lincoln, NE **Stats:** 10,724 clients • $19.0B under management • 404K participants **Company:** Est. 1887 • 690 employees [View Profile](https://planprovider.pro/provider/ameritas-retirement-plans) - ### [American Trust Retirement](https://planprovider.pro/provider/american-trust-retirement) Plan Administrator Dubuque, IA **Stats:** 5,903 clients • $18.1B under management • 233K participants **Company:** Est. 1973 • 202 employees [View Profile](https://planprovider.pro/provider/american-trust-retirement) - ### [July Business Services](https://planprovider.pro/provider/july-business-services) Plan Administrator Waco, TX **Stats:** 8,386 clients • $16.0B under management • 196K participants **Company:** Est. 1994 • 700 employees [View Profile](https://planprovider.pro/provider/july-business-services) - ### [Guideline, Inc.](https://planprovider.pro/provider/guideline-inc) Plan Administrator • Pro Score 4.2 Burlingame, CA **Stats:** 60,000 clients • $15.0B under management • 500K participants **Pricing:** $39 base fee • $4/employee **Company:** Est. 2015 • 350 employees [View Profile](https://planprovider.pro/provider/guideline-inc) - ### [Sentinel Group](https://planprovider.pro/provider/sentinel-group) Plan Administrator Wakefield, MA **Stats:** 1,900 clients • $13.0B under management • 260K participants **Company:** Est. 1987 • 260 employees [View Profile](https://planprovider.pro/provider/sentinel-group) - ### [J.P. Morgan Asset Management](https://planprovider.pro/provider/jp-morgan-asset-management) Plan Administrator New York, NY **Stats:** 4,516 clients • $12.8B under management • 201K participants **Company:** 5,000 employees [View Profile](https://planprovider.pro/provider/jp-morgan-asset-management) - ### [401GO](https://planprovider.pro/provider/401go) Plan Administrator • Pro Score 4.3 Sandy, UT **Stats:** 5,055 clients • $12.0B under management • 54K participants **Pricing:** $25 base fee • $2/employee **Company:** Est. 2017 • 105 employees [View Profile](https://planprovider.pro/provider/401go) - ### [Gusto](https://planprovider.pro/provider/gusto) Plan Administrator **Stats:** 40,000 clients • $10.0B under management • 700K participants [View Profile](https://planprovider.pro/provider/gusto) - ### [Human Interest](https://planprovider.pro/provider/human-interest-inc) Plan Administrator • Pro Score 4.3 • Verified San Francisco, CA **Credentials:** RIA - Registered Investment Advisor **Stats:** 40,000 clients • $8.1B under management • 793K participants **Pricing:** $120 base fee • $5/employee **Company:** Est. 2015 • 771 employees [View Profile](https://planprovider.pro/provider/human-interest-inc) - ### [Employee Fiduciary](https://planprovider.pro/provider/employee-fiduciary) Plan Administrator Mobile, AL **Stats:** 4,865 clients • $6.8B under management • 107K participants **Pricing:** $1,500 base fee • $30/employee **Company:** 75 employees [View Profile](https://planprovider.pro/provider/employee-fiduciary) - ### [Sharebuilder 401k](https://planprovider.pro/provider/sharebuilder-401k) Plan Administrator • Pro Score 3.1 Seattle, WA **Stats:** 6,500 clients • $2.0B under management • 150K participants **Company:** Est. 2005 • 51 employees [View Profile](https://planprovider.pro/provider/sharebuilder-401k) - ### [Ubiquity Retirement + Savings](https://planprovider.pro/provider/ubiquity-retirement-savings) Plan Administrator • Pro Score 4.0 San Francisco, CA **Stats:** 16,000 clients • $300M under management • 100K participants **Pricing:** $177 base fee • $6/employee **Company:** Est. 2000 • 90 employees [View Profile](https://planprovider.pro/provider/ubiquity-retirement-savings) - ### [Journey Retirement Plan Services](https://planprovider.pro/provider/journey-retirement-plan-services) Plan Administrator • Verified Grand Rapids, MI **Stats:** 199 clients • $160M under management • 9K participants **Company:** 20 employees [View Profile](https://planprovider.pro/provider/journey-retirement-plan-services) - ### [Betterment at Work](https://planprovider.pro/provider/betterment-llc) Plan Administrator • Pro Score 3.0 New York, NY **Stats:** 2,000 clients • $30M under management **Pricing:** $100 base fee • $5/employee **Company:** Est. 2009 • 466 employees [View Profile](https://planprovider.pro/provider/betterment-llc) - ### [KTRADE](https://planprovider.pro/provider/ktrade) Plan Administrator Plymouth, IN **Stats:** 16,000 clients • $26M under management • 675K participants **Company:** 35 employees [View Profile](https://planprovider.pro/provider/ktrade) - ### [Slavic401k](https://planprovider.pro/provider/slavic401k) Plan Administrator • Pro Score 2.8 Boca Raton, FL **Stats:** 12,000 clients • $10M under management • 250K participants **Company:** Est. 1986 • 270 employees [View Profile](https://planprovider.pro/provider/slavic401k) - ### [Americas Best 401k](https://planprovider.pro/provider/americas-best-401k) Plan Administrator • Pro Score 3.1 Scottsdale, AZ **Credentials:** RIA - Registered Investment Advisor **Stats:** 2,000 clients • $1M under management • 40.0M participants **Pricing:** $133 base fee • $5/employee **Company:** Est. 2012 • 49 employees [View Profile](https://planprovider.pro/provider/americas-best-401k) - ### [ForUsAll](https://planprovider.pro/provider/forusall) Plan Administrator San Carlos, CA **Stats:** 500 clients • $1 under management • 80K participants **Pricing:** $120 base fee • $6/employee **Company:** Est. 2012 • 58 employees [View Profile](https://planprovider.pro/provider/forusall) - ### [Basic Capital](https://planprovider.pro/provider/basic-capital) Plan Administrator • Verified New York, NY **Pricing:** $0 base fee • $5/employee **Company:** Est. 2021 • 24 employees [View Profile](https://planprovider.pro/provider/basic-capital) - ### [Canada Life](https://planprovider.pro/provider/canada-life) Plan Administrator Toronto, ON **Company:** Est. 1931 • 13,406 employees [View Profile](https://planprovider.pro/provider/canada-life) - ### [Carry](https://planprovider.pro/provider/carry) Plan Administrator • Pro Score 3.0 **Credentials:** RIA - Registered Investment Advisor **Pricing:** $299 base fee **Company:** Est. 2022 • 10 employees [View Profile](https://planprovider.pro/provider/carry) - ### [My Solo 401k Financial LLC](https://planprovider.pro/provider/my-solo-401k-financial-llc) Plan Administrator Carlsbad, CA **Company:** Est. 2009 • 5 employees [View Profile](https://planprovider.pro/provider/my-solo-401k-financial-llc) ## The Top 10 Largest 401(k) Recordkeepers Ranked by Assets Selecting a recordkeeper is a pivotal decision for any plan sponsor. The market is dominated by a few massive players, yet the "best" provider depends entirely on your company's specific needs—whether that is payroll integration, advanced financial wellness technology, or white-glove service. While assets under management (AUM) indicate stability and scale, the number of plans serviced often highlights a provider's expertise with small-to-mid-sized businesses. Below is a ranking of the top 10 largest 401(k) recordkeepers. This list highlights their scale and unique value propositions to help you identify the right administrator. - **[Fidelity Investments](/provider/fidelity-investments)** **Assets:** $4.4 Trillion+ | **Plans:** 30,000+ Fidelity is the industry titan, managing more retirement assets than any other firm. They are best suited for organizations that prioritize a premium participant experience, offering a top-tier mobile app, extensive educational resources, and a vast array of investment options. - **[Empower](/provider/empower-retirement)** **Assets:** $1.8 Trillion+ | **Plans:** 80,000+ Empower has rapidly grown into the second-largest provider through strategic acquisitions, including Prudential and MassMutual's retirement businesses. They stand out for their focus on personalization and financial wellness, making them a strong choice for employers who want to actively improve their employees' financial health. - **[The Vanguard Group](/provider/the-vanguard-group-inc)** **Assets:** $800 Billion+ | **Plans:** 14,000+ Synonymous with low-cost investing, Vanguard brings that same philosophy to plan administration. They are the ideal partner for sponsors focused on minimizing fee friction and fiduciary risk, typically offering streamlined, index-based investment lineups. - **[Principal Financial Group](/provider/principal-financial-group)** **Assets:** $520 Billion+ | **Plans:** 45,000+ Principal is a powerhouse in the SMB market, offering sophisticated plan designs that many large providers overlook. They are particularly unique in their ability to service complex arrangements, such as combining a 401(k) with a Defined Benefit or ESOP plan. - **[Alight Solutions](/provider/alight-solutions)** **Assets:** $600 Billion+ | **Plans:** 1,500+ Alight caters almost exclusively to the mega-large market, serving some of the biggest corporations in the world. Their platform is built for complexity, excelling in total benefits outsourcing where health, wealth, and payroll are integrated into a single ecosystem. - **[Voya Financial](/provider/voya-financial)** **Assets:** $585 Billion | **Plans:** 50,000+ Voya is a versatile provider with a strong presence in both the corporate and tax-exempt markets. They are well-regarded for their user-friendly digital tools and "orange money" financial wellness branding, which helps drive high participant engagement rates. - **[TIAA](/provider/tiaa)** **Assets:** $400 Billion+ (DC Assets) | **Plans:** 15,000+ TIAA is the dominant force in the non-profit, healthcare, and education sectors (403b), but they are also a major 401(k) player. Their unique value lies in their "pension-like" annuity options, offering participants a path to guaranteed lifetime income. - **[Charles Schwab](/provider/charles-schwab)** **Assets:** $300 Billion+ | **Plans:** 10,000+ Schwab appeals to a specific demographic of professional firms and savvy investors. Their inclusion of a Self-Directed Brokerage Account (SDBA) as a core feature makes them perfect for plans where participants want access to individual stocks and ETFs. - **[Ascensus](/provider/ascensus)** **Assets:** $250 Billion+ | **Plans:** 150,000+ Ascensus is the volume leader in the industry, servicing more individual plans than nearly anyone else. They are the engine behind many "white label" small business plans, offering a cost-effective and compliant solution for startups and small employers. - **[ADP Retirement Services](/provider/adp-retirement-services)** **Assets:** $150 Billion+ | **Plans:** 110,000+ ADP dominates the micro-to-small market by leveraging their payroll customer base. For businesses already using ADP for payroll, their 401(k) solution offers unmatched data integration, significantly reducing the administrative burden of contribution processing. ### Find the Right Administrator for Your Business Size While the "Big Three" offer incredible scale, they aren't always the best fit for every company. If you are a startup or a growing company, you may get better service and pricing from specialized [small business 401(k) providers](https://planprovider.pro/small-business-401k). Alternatively, if you are looking for an all-in-one solution that packages administration, investments, and fiduciary services together, consider exploring [bundled 401(k) providers](https://planprovider.pro/bundled-401k-providers). For a broader look at all administrative options, visit our main guide on [401(k) recordkeepers](https://planprovider.pro/401k-recordkeepers). [View full interactive listing on PlanProvider.Pro](https://planprovider.pro/largest-401k-recordkeepers?page=2) © 2026 PlanProvider.Pro