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Paid plans start at $19/mo.
401GO starts at $19 per month for GO-Solo, but that is not the full picture for most employers. GO-Starter is $49 monthly plus $6 per participant, a 0.3% AUM fee and a 0.04% GO Invest advisory fee. GO-Plus costs $139 monthly, with participant charges of $2–$7 and the same percentage fees, plus $500 setup. Enterprise pricing is custom. Annual rates and discounts are not published, so compare total plan costs—not just base fees—before switching.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| GO-Starter | — | $49 | Very small companies needing a simple plan |
| GO-Plus | — | $139 | Growing small businesses needing plan options |
| GO-Enterprise | — | Quote | Businesses with 200 or more participants |
| GO-Solo | — | $19 | Sole proprietors and their spouses |
Add-ons and overages
- Starter and Plus: $6 per participant on Starter; $2–$7 per participant on Plus
- Starter and Plus: 0.3% AUM fee
- Starter and Plus: 0.04% advisory fee through GO Invest
- Setup fees: $500 on Plus; $250 on Solo
- Volume pricing is available; rates depend on partnership structure
02What the plan grid doesn't tell you
Participant charges
GO-Starter adds $6 per participant; GO-Plus adds $2–$7. GO-Solo lists $0 per participant.
AUM and advisory fees
GO-Starter and GO-Plus list a 0.3% AUM fee and a 0.04% advisory fee through GO Invest.
Setup fees
GO-Plus has a $500 setup fee and GO-Solo a $250 fee. GO-Starter lists no setup fee.
Custom and volume pricing
GO-Enterprise pricing is by quote. Volume pricing is available, but rates depend on partnership structure and are not published.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Sole proprietors and spouses | GO-Solo | $19 monthly, with $0 per participant and a $250 setup fee. |
| Very small companies | GO-Starter | $49 monthly, plus $6 per participant and listed percentage fees; no setup fee. |
| Growing small businesses | GO-Plus | $139 monthly with plan options, but budget for participant charges, percentage fees and $500 setup. |
04Is 401GO worth the money?
401GO is worth shortlisting if bundled 401(k) administration, compliance support and payroll connections matter more than a single flat fee. Its visible monthly price is only one component: Starter and Plus add per-participant and percentage-based charges, while Plus and Solo carry setup fees. We would request a written, all-in quote that spells out participant assumptions, assets under management, advisory fees, setup and any partnership-based volume rate before comparing it with another provider.
401GO pricing FAQ
What does 401GO cost per month?
The listed monthly base prices are $19 for GO-Solo, $49 for GO-Starter and $139 for GO-Plus. GO-Enterprise has no published price. Starter and Plus also carry participant charges and percentage fees, so the base price alone does not show total cost.
What fees are added to 401GO’s monthly price?
GO-Starter and GO-Plus list a 0.3% AUM fee and a 0.04% advisory fee through GO Invest. Starter charges $6 per participant; Plus charges $2–$7. GO-Plus also has a $500 setup fee. GO-Solo lists a $250 setup fee and $0 per participant.
Does 401GO offer annual billing or a discount?
The pricing page lists monthly base prices: $19 for GO-Solo, $49 for GO-Starter and $139 for GO-Plus. Annual prices, billing terms and discounts are not published, so we can’t calculate annual savings. GO-Enterprise is custom-priced; contact 401GO for a quote.
Is there a free 401GO plan or trial?
The pricing details list no free plan, and a free trial is not published. The lowest listed monthly price is $19 for GO-Solo. GO-Starter and GO-Plus cost more and also have participant and percentage-based fees, so check the full charges before choosing.