401(k) Plans for Contractors, Sole Proprietors & More

Set up a 401(k) in as little as 15 minutes with a modern, affordable solution designed to make retirement benefits easier than ever.

Built for contractors, sole proprietors & more

Seamless onboarding in minutes

Plans starting at just $9 per participant

Trusted by advisors and businesses

A Modern Solution to a 401(k)

Lower Costs, Higher Value

Traditional 401(k) plans are expensive and difficult to manage. 401GO uses automation to reduce operational costs and make retirement plans accessible for businesses of any size. Whether you have employees or operate on your own, you get strong benefits at a much lower cost.

Easy to Run, Easy to Manage

Managing a 401(k) shouldn’t feel like a second job. Our platform automates compliance, administration, and reporting, reducing manual work and saving you time. This allows you to focus on growing your business instead of dealing with paperwork and complex processes.

Pricing You Can Afford.

Get a high quality 401(k) without the high cost or complexity.

401GO is built to give small businesses and solo owners access to a powerful retirement plan at a fraction of the traditional price.

Starting at just $9 per participant

No hidden fees or unexpected costs

No expensive setup or ongoing administrative burden

Flexible plans that grow as your business grows

Essential Features for Your Business

Automated Compliance

All the paperwork that comes with managing a 401(k) can be a headache, particularly when you run your own business. 401GO’s technology automates many of these processes so you can focus on your job.

Investment Options

Through a Solo 401(k) plan with 401GO, you have access to a multitude of investment options. You can invest in a broad range of funds or other resources to make your retirement savings go further.

Higher Contribution Limit

Contribution limits are much higher than a traditional IRA: typically has a contribution limit of $7,500 per year as of 2026, but with a Solo 401(k), you can contribute up to $72,000 (or $77,500 for those 50 and older).

Powerful Perks

Get access to our convenient mobile app, a retirement calculator, budgeting tools, a financial goal tracker, spending insights, and educational content. We also connect you with our trusted financial advisors in your area.

Pricing to Fit Your Business

A Solo 401(k) plan with 401GO starts at $250 for the first year. For every year after, the price drops to $19 per month with no per-participant fee. Throughout our service, 401GO charges a small 0.3% assets under management fee.

Seamless Onboarding

401GO offers the fastest plan-design processes in the industry. Our front-end efficiency allows us to create a plan for you in 15 minutes or less using cutting-edge technology, which automates certain tasks.

See What Our Clients Say

"By layering a cash balance plan, we boosted our deductible retirement savings by six figures, while keeping our existing 401(k) for our team". The Roxberry Group

"401GO’s team handled all actuarial work and compliance behind the scenes. Our CFO sleeps easier" American Benefits Company