Choosing the right 401(k) recordkeeper is crucial for ensuring efficient plan administration, compliance and participant satisfaction. To assist you in this decision, we've compiled a list of 75 of the top 401(k) recordkeepers companies in the United States for 2025.
This list is based on industry reputation, service offerings, technological capabilities and client satisfaction.
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Top 75 401(k) Recordkeepers
- Fidelity Investments – The largest 401(k) recordkeeper in the U.S., managing over $4 trillion in assets. Offers comprehensive retirement solutions with robust digital tools. Visit their Website
- Ascensus – Specializes in retirement plan administration and compliance, serving over 14 million accounts. Visit their Website
Did you know Ascensus is a Payroll Integration Partner? Learn more about payroll integrations for 401(k) and retirement. - Empower – Serving over 12 million individuals, Empower provides personalized retirement planning and recently acquired Prudential's retirement business. Visit their Website
- Alight Solutions – Specializes in cloud-based HR and benefits administration, offering tailored retirement solutions. Visit their Website
- Vanguard Group – Known for low-cost investment options and strong fiduciary services, catering to plans of all sizes. Visit their Website
- Principal Financial Group – Offers customizable retirement solutions with a focus on small to mid-sized businesses. Visit their Website
- TIAA – Provides retirement services primarily for academic, research, medical, and cultural fields, with a strong emphasis on participant education. Visit their Website
- Charles Schwab – Combines brokerage services with retirement plan administration, offering a range of investment options. Visit their Website
- ADP Retirement Services – Integrates payroll and retirement services, ideal for small to mid-sized businesses seeking streamlined solutions. Visit their Website
- Paychex – Offers comprehensive payroll and retirement services, with a focus on small businesses. Visit their Website
- John Hancock – Provides a range of retirement plan services with a focus on participant engagement and financial wellness. Visit their Website
- Voya Financial – Offers retirement solutions with a strong emphasis on digital tools and participant education. Visit their Website
- Transamerica – Provides retirement plan services with a focus on holistic financial planning and wellness. Visit their Website
- American Funds (Capital Group) – Known for actively managed funds and retirement plan services tailored to various business sizes. Visit their Website
- Lincoln Financial Group – Provides retirement plan services with a focus on innovative investment options and participant education. Visit their Website
- Nationwide – Offers retirement solutions with a strong emphasis on customer service and participant engagement. Visit their Website
- Great-West Life & Annuity Insurance Company – Provides retirement plan services with a focus on personalized solutions and financial wellness. Visit their Website
- OneAmerica – Offers retirement plan services with a focus on personalized solutions and participant education. Visit their Website
- Sentinel Benefits & Financial Group – Offers retirement plan administration and consulting services with a focus on compliance and participant education.
Visit their Website - The Standard – Provides retirement plan services with a focus on personalized solutions and participant support. Visit their Website
- Alerus Retirement and Benefits – Offers retirement plan services with a focus on personalized solutions and participant education. Visit their Website
- Milliman – Provides actuarial and retirement plan consulting services with a focus on compliance and plan design. Visit their Website
- Human Interest – Offers affordable and automated 401(k) plans tailored for small businesses. Visit their website
- Guideline – Provides low-cost, automated 401(k) plans designed for small businesses. Visit their Website
- J.P. Morgan - Provides comprehensive retirement planning and investment management services with a strong reputation in institutional asset management and fiduciary oversight. Visit their website
- Goldman Sachs - Offers retirement and investment services through its workplace financial solutions division, focusing on institutional clients and high-net-worth retirement strategies. Visit their website
- ForUsAll – Offers modern 401(k) solutions with a focus on automation and employee engagement. Visit their Website
- 401GO – Provides quick and affordable 401(k) plan setup, ideal for startups and small businesses. Visit their Website
- July Business Services – Offers retirement plan administration and consulting services with a focus on compliance and plan design. Visit their Website
- EPIC Retirement Plan Services – Provides retirement plan administration and consulting services with a focus on compliance and participant education.
Visit their Website - Corebridge Financial – Offers retirement plan services with a focus on personalized solutions and participant support. Visit their Website
- USI Consulting Group – Provides retirement plan consulting and administration services with a focus on compliance and plan design. Visit their Website
- TruStage (formerly CUNA Mutual Group) – Offers retirement plan services with a focus on personalized solutions and participant education. Visit their Website
- NWPS – Provides retirement plan administration and consulting services with a focus on compliance and participant support. Visit their Website
- Benefit Trust Company – Provides retirement plan administration and fiduciary services with a focus on compliance and plan design. Visit their Website
- Alliance Benefit Group – Offers retirement plan administration and consulting services with a focus on compliance and participant education. Visit their Website
- Retirement Strategies Group – Provides retirement plan consulting and administration services with a focus on compliance and plan design. Visit their Website
- Pensionmark – Offers retirement plan consulting and administration services with a focus on compliance and participant education. Visit their Website
- CUNA Mutual Retirement Solutions – Provides retirement plan services with a focus on personalized solutions and participant support. Visit their Website
- Retirement Plan Consultants – Offers retirement plan administration and consulting services with a focus on compliance and participant education. Visit their Website
- Unified Trust Company – Provides retirement plan services with a focus on fiduciary oversight and participant education. Visit their Website
- The Retirement Advantage (TRA) – Offers retirement plan administration and consulting services with a focus on compliance and plan design. Visit their Website
- Retirement Alliance – Provides retirement plan consulting and administration services with a focus on compliance and participant education. Visit their Website
- Benefit Plans Plus – Offers retirement plan administration and consulting services with a focus on compliance and participant support. Visit their Website
- Principal – Ideal for small to mid-sized businesses seeking customizable plan options and financial wellness tools. Visit their Website
- Vestwell – A digital-first platform for modern 401(k) plans, designed for small business scalability. Visit their Website
- Guideline – Affordable, automated 401(k) plans built for startups and small businesses. Visit their Website
- Betterment for Business – A robo-advisor approach to retirement plans, with low fees and easy onboarding. Visit their Website
- MassMutual – Known for its personalized service and strong investment options.
Visit their Website - Ubiquity Retirement + Savings – Flat-fee 401(k) recordkeeping with a focus on transparency. Visit their Website
- Slavic401k – Specializes in plans for small and midsize businesses and associations.
Visit their Website - American Trust – Delivers fiduciary retirement services with TPA partnerships.
Visit their Website - TRI-AD – Family-owned firm with personalized service and health plan integration.
Visit their Website - RetireReady NJ – New Jersey’s auto-IRA solution for small business employees.
Visit their Website - CalSavers – California’s auto-enrollment retirement savings program.
Visit their Website - OregonSaves – Oregon’s public retirement plan for workers without employer-sponsored options. Visit their Website
- MarylandSaves – A state-run retirement option focused on low-income and part-time workers. Visit their Website
- Colorado SecureSavings – State-sponsored Roth IRA retirement plan for Colorado workers. Visit their Website
- Delaware Earns – A simple, secure retirement program for small business employees in Delaware. Visit their Website
- Illinois Secure Choice – Auto-enroll Roth IRA program for eligible workers in Illinois.
Visit their Website - Trust Company of Oklahoma – Independent trust company offering fiduciary retirement services. Visit their Website
- Merit (Maine) – State-based auto-IRA retirement program. Visit their Website
- Vermont Saves – Public retirement program designed for Vermont's private sector employees. Visit their Website
- Retirement Plan Company – A full-service TPA and recordkeeper.
Visit their Website - MVP Administrators – Regional TPA offering retirement plan administration and compliance. Visit their Website
- Definiti – Provides administration, actuarial services, and recordkeeping.
Visit their Website - Evolve – Offers cloud-based retirement plan administration and open-architecture recordkeeping. Visit their Website
- PB&H Benefits – Texas-based firm offering plan design and compliance services.
Visit their Website - Spectrum Pension Consultants – Offers recordkeeping, actuarial, and compliance services. Visit their Website
- Certified Financial Group – Central Florida-based recordkeeper with advisory services. Visit their Website
- CFG – Custom retirement services and compliance support. Visit their Website
- Primark Benefits – Full-service provider offering plan design and ERISA compliance. Visit their Website
- Jocelyn Pension – Niche pension and retirement planning firm. Visit their Website
Selecting a Top 401(k) Recordkeeper: Why It Matters
Selecting the right 401(k) recordkeeper impacts everything from compliance and data accuracy to employee engagement.
If you're a TPA or benefits provider looking to eliminate manual file sharing and streamline payroll connectivity, platforms like Payroll Integrations offer automated solutions to keep your data flowing securely and accurately.
Visit our 401(k) and retirement integration page to learn more about how we can help your company make benefits management better.
