# 401(k) Plan Providers
Source: https://planprovider.pro/retirement-plans/401k?page=2

> Discover top-rated 401(k) plan providers to streamline your retirement plan administration. Browse our comprehensive directory of trusted recordkeepers, third-party administrators (TPAs), and compliance experts dedicated to optimizing employee benefits. Compare services to find the perfect partner for ensuring ERISA compliance and maximizing plan performance

Discover top-rated 401(k) plan providers to streamline your retirement plan administration. Browse our comprehensive directory of trusted recordkeepers, third-party administrators (TPAs), and compliance experts dedicated to optimizing employee benefits. Compare services to find the perfect partner for ensuring ERISA compliance and maximizing plan performance

Browse 48 providers in this category.

## Provider ranking

- 

### [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)

- 

### [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)

- 

### [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)

- 

### [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)

- 

### [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)

- 

### [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)

- 

### [BPAS](https://planprovider.pro/provider/bpas)

Plan Administrator

Utica, NY

**Stats:** 3,478 clients • $110.0B under management • 348K participants

**Company:** Est. 1991 • 172 employees

[View Profile](https://planprovider.pro/provider/bpas)

- 

### [Alight Solutions](https://planprovider.pro/provider/alight-solutions)

Plan Administrator • Pro Score 2.4

Chicago, IL

**Stats:** 2,000 clients • $600.0B under management • 117.0M participants

[View Profile](https://planprovider.pro/provider/alight-solutions)

- 

### [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)

- 

### [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)

- 

### [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)

- 

### [Milliman](https://planprovider.pro/provider/milliman)

Plan Administrator

Seattle, WA

**Stats:** 1,463 clients • $140.5B under management • 2.0M participants

**Company:** Est. 1947 • 3,500 employees

[View Profile](https://planprovider.pro/provider/milliman)

- 

### [The Vanguard Group, Inc.](https://planprovider.pro/provider/the-vanguard-group-inc)

Plan Administrator • Pro Score 1.8

Malvern, PA

**Stats:** 1,400 clients • $523.0B under management

**Company:** Est. 1975 • 20,000 employees

[View Profile](https://planprovider.pro/provider/the-vanguard-group-inc)

- 

### [Charles Schwab & Co., Inc.](https://planprovider.pro/provider/charles-schwab-and-co-inc)

Plan Administrator • Pro Score 2.1

Westlake, TX

**Stats:** 1,179 clients • $341.7B under management • 1.6M participants

**Company:** Est. 1971 • 4,200 employees

[View Profile](https://planprovider.pro/provider/charles-schwab-and-co-inc)

- 

### [NWPS](https://planprovider.pro/provider/nwps)

Plan Administrator

Seattle, WA

**Stats:** 997 clients • $56.6B under management • 360K participants

**Company:** 120 employees

[View Profile](https://planprovider.pro/provider/nwps)

- 

### [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)

- 

### [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)

- 

### [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)

- 

### [TIAA](https://planprovider.pro/provider/tiaa-teachers-insurance-and-annuity-association-of-america-college-retirement-equities-fund)

Plan Administrator • Pro Score 1.9

New York, NY

**Stats:** $600.0B under management

**Company:** Est. 1918

[View Profile](https://planprovider.pro/provider/tiaa-teachers-insurance-and-annuity-association-of-america-college-retirement-equities-fund)

- 

### [Transamerica](https://planprovider.pro/provider/transamerica)

Plan Administrator • Pro Score 2.5

Cedar Rapids, IA

**Stats:** $416.0B under management

**Company:** Est. 1946

[View Profile](https://planprovider.pro/provider/transamerica)

## Navigating the Complex Ecosystem of 401(k) Plan Providers

Selecting the right service providers for your company's retirement plan is one of the most critical decisions a plan sponsor can make. A robust 401(k) plan does more than just help employees save for the future; it serves as a vital tool for talent acquisition and retention. However, managing these plans requires a coordinated effort between several distinct professionals, each handling specific aspects of administration, investment management, and legal compliance. Whether you are launching a startup plan or restructuring an existing large-plan framework, understanding the specialized roles of these providers is essential for minimizing fiduciary liability and maximizing participant outcomes.

### The Difference Between Recordkeepers, TPAs, and Advisors

Many plan sponsors confuse the roles of their service partners. While a recordkeeper tracks participant assets and issues statements, a Third-Party Administrator (TPA) typically handles the complex testing required to ensure the plan remains tax-qualified. However, the financial health of the plan often relies on [qualified plan advisors](https://planprovider.pro/plan-advisors). These financial professionals act as investment fiduciaries, helping sponsors build a diverse investment lineup and educating employees on their savings options. By leveraging an experienced advisor, companies can better monitor investment fees and performance, ensuring they meet their rigorous fiduciary duties under federal law.

### Prioritizing ERISA Compliance and Audit Readiness

As your company grows, the regulatory scrutiny on your retirement plan increases. Under the Employee Retirement Income Security Act (ERISA), plans with more than 100 eligible participants are generally required to file an audited Form 5500 annually. This is where [specialized 401(k) auditors](https://planprovider.pro/auditors) become indispensable. Unlike general corporate audits, a benefit plan audit requires specific expertise in Department of Labor regulations. Similarly, if your plan faces correction programs or complex amendments, engaging [ERISA attorneys](https://planprovider.pro/erisa-attorneys) can protect your business from costly penalties and disqualification. These legal experts guide sponsors through Department of Labor investigations and help structure plan documents to withstand regulatory challenges.

### Solutions for Small Businesses and Startups

For smaller organizations, the landscape is shifting rapidly due to legislation like the SECURE Act 2.0, which offers tax credits for starting new plans. Finding the right [small business 401(k) solution](https://planprovider.pro/small-business-401k) often involves balancing cost efficiency with scalable technology. Modern providers now offer streamlined "Safe Harbor" plan designs that automatically satisfy non-discrimination testing, reducing the administrative burden on business owners. By utilizing our directory to compare providers by state and specialty, plan sponsors can build a team of experts tailored to their specific size, location, and compliance needs.

[View full interactive listing on PlanProvider.Pro](https://planprovider.pro/retirement-plans/401k?page=2)

© 2026 PlanProvider.Pro