75 Top 401(k) Recordkeepers in the United States (2025 Edition)
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.
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. Website
- Ascensus – Specializes in retirement plan administration and compliance, serving over 14 million accounts. 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. Website
- Alight Solutions – Specializes in cloud-based HR and benefits administration, offering tailored retirement solutions. Website
- Vanguard Group – Known for low-cost investment options and strong fiduciary services, catering to plans of all sizes. Website
- Principal Financial Group – Offers customizable retirement solutions with a focus on small to mid-sized businesses. Website
- TIAA – Provides retirement services primarily for academic, research, medical, and cultural fields, with a strong emphasis on participant education. Website
- Charles Schwab – Combines brokerage services with retirement plan administration, offering a range of investment options. Website
- ADP Retirement Services – Integrates payroll and retirement services, ideal for small to mid-sized businesses seeking streamlined solutions. Website
- Paychex – Offers comprehensive payroll and retirement services, with a focus on small businesses. Website
- John Hancock – Provides a range of retirement plan services with a focus on participant engagement and financial wellness. Website
- Voya Financial – Offers retirement solutions with a strong emphasis on digital tools and participant education. Website
- Transamerica – Provides retirement plan services with a focus on holistic financial planning and wellness. Website
- American Funds (Capital Group) – Known for actively managed funds and retirement plan services tailored to various business sizes. Website
- Lincoln Financial Group – Provides retirement plan services with a focus on innovative investment options and participant education. Website
- Nationwide – Offers retirement solutions with a strong emphasis on customer service and participant engagement. Website
- Great-West Life & Annuity Insurance Company – Provides retirement plan services with a focus on personalized solutions and financial wellness. Website
- OneAmerica – Offers retirement plan services with a focus on personalized solutions and participant education. Website
- Mutual of Omaha – Provides retirement plan services with a focus on small to mid-sized businesses and personalized support. Website
- Sentinel Benefits & Financial Group – Offers retirement plan administration and consulting services with a focus on compliance and participant education. Website
- The Standard – Provides retirement plan services with a focus on personalized solutions and participant support. Website
- Alerus Retirement and Benefits – Offers retirement plan services with a focus on personalized solutions and participant education. Website
- Milliman – Provides actuarial and retirement plan consulting services with a focus on compliance and plan design. 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. 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. Website
- 401GO – Provides quick and affordable 401(k) plan setup, ideal for startups and small businesses. Website
- July Business Services – Offers retirement plan administration and consulting services with a focus on compliance and plan design. Website
- EPIC Retirement Plan Services – Provides retirement plan administration and consulting services with a focus on compliance and participant education. Website
- Corebridge Financial – Offers retirement plan services with a focus on personalized solutions and participant support. Website
- USI Consulting Group – Provides retirement plan consulting and administration services with a focus on compliance and plan design. Website
- TruStage (formerly CUNA Mutual Group) – Offers retirement plan services with a focus on personalized solutions and participant education. Website
- NWPS – Provides retirement plan administration and consulting services with a focus on compliance and participant support. Website
- Benefit Trust Company – Provides retirement plan administration and fiduciary services with a focus on compliance and plan design. Website
- Alliance Benefit Group – Offers retirement plan administration and consulting services with a focus on compliance and participant education. Website
- Retirement Strategies Group – Provides retirement plan consulting and administration services with a focus on compliance and plan design. Website
- Pensionmark – Offers retirement plan consulting and administration services with a focus on compliance and participant education. Website
- CUNA Mutual Retirement Solutions – Provides retirement plan services with a focus on personalized solutions and participant support. Website
- Retirement Plan Consultants – Offers retirement plan administration and consulting services with a focus on compliance and participant education. Website
- Unified Trust Company – Provides retirement plan services with a focus on fiduciary oversight and participant education. Website
- The Retirement Advantage (TRA) – Offers retirement plan administration and consulting services with a focus on compliance and plan design. Website
- Retirement Alliance – Provides retirement plan consulting and administration services with a focus on compliance and participant education. Website
- Benefit Plans Plus – Offers retirement plan administration and consulting services with a focus on compliance and participant support. Website
- Principal – Ideal for small to mid-sized businesses seeking customizable plan options and financial wellness tools. Website
- PAi – A recordkeeper offering innovative payroll-linked retirement plans for small businesses. Website
- Vestwell – A digital-first platform for modern 401(k) plans, designed for small business scalability. Website
- Guideline – Affordable, automated 401(k) plans built for startups and small businesses.
Website - Betterment for Business – A robo-advisor approach to retirement plans, with low fees and easy onboarding. Website
- MassMutual – Known for its personalized service and strong investment options.
Website - Ubiquity Retirement + Savings – Flat-fee 401(k) recordkeeping with a focus on transparency. Website
- Slavic401k – Specializes in plans for small and midsize businesses and associations.
Website - American Trust – Delivers fiduciary retirement services with TPA partnerships.
Website - TRI-AD – Family-owned firm with personalized service and health plan integration.
Website - RetireReady NJ – New Jersey’s auto-IRA solution for small business employees.
Website - CalSavers – California’s auto-enrollment retirement savings program.
Website - OregonSaves – Oregon’s public retirement plan for workers without employer-sponsored options.
Website - MarylandSaves – A state-run retirement option focused on low-income and part-time workers.
Website - Colorado SecureSavings – State-sponsored Roth IRA retirement plan for Colorado workers. Website
- Delaware Earns – A simple, secure retirement program for small business employees in Delaware. Website
- Illinois Secure Choice – Auto-enroll Roth IRA program for eligible workers in Illinois.
Website - Trust Company of Oklahoma – Independent trust company offering fiduciary retirement services. Website
- Merit (Maine) – State-based auto-IRA retirement program. Website
- Vermont Saves – Public retirement program designed for Vermont's private sector employees. Website
- Retirement Plan Company – A full-service TPA and recordkeeper. Website
- MVP Administrators – Regional TPA offering retirement plan administration and compliance. Website
- Definiti – Provides administration, actuarial services, and recordkeeping. Website
- Evolve – Offers cloud-based retirement plan administration and open-architecture recordkeeping. Website
- PB&H Benefits – Texas-based firm offering plan design and compliance services.
Website - Spectrum Pension Consultants – Offers recordkeeping, actuarial, and compliance services. Website
- Certified Financial Group – Central Florida-based recordkeeper with advisory services.
Website - CFG – Custom retirement services and compliance support. Website
- Primark Benefits – Full-service provider offering plan design and ERISA compliance. Website
- Jocelyn Pension – Niche pension and retirement planning firm.
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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.
