401Go

401GO is a retirement technology company that provides bundled 401(k) plans for small and midsize businesses, with capacity for larger employers. Its offering spans plan setup, recordkeeping, plan administration, compliance, investment fiduciary services, participant education and payroll integration, delivered through a single platform rather than a network of separate recordkeeping, TPA and administration vendors. The company also offers GO-IRA, an IRA product supporting rollovers of 401(k) balances inside the platform, and has described plans to add Health Savings Accounts and Emergency Savings Accounts.

The platform is aimed at reducing setup and administration burden: the company cites a 15-minute plan setup, more than 200 payroll integrations, hands-free compliance and administration, and a dedicated support contact for each account. Participants access their accounts through a web platform and an iOS mobile app published by RetireGO, Inc., which supports balance tracking, allocation changes, deferral adjustments, savings projections, beneficiary management and recommendations generated with a registered investment advisor.

As of its December 2025 Series B announcement, 401GO reported serving more than 5,000 customers and 50,000 participants and administering over $1 billion in assets, up from more than 2,500 businesses and 30,000 active users reported in April 2024.

Founding story

In 2018, Dan Beck, then running a small business, sought to offer his employees a 401(k) and found large providers uninterested in small plans, with pricing and paperwork that did not fit a company his size. He recruited his brother Nate Beck, a software engineer with a process-automation background, and Jared Porter, a retirement industry veteran, to build a retirement platform from scratch for smaller employers.

Business model

401GO sells a bundled 401(k) service directly to employers and through partner channels, and also distributes through financial advisors and payroll/HCM platforms via embedded API integrations and an advisor portal that includes proposals, pricing control, payroll sync and compliance tools.

Pricing is described as transparent and based on the number of plan participants, with a cost calculator offered to compare plan tiers; the company states there are no hidden fees.

Traction

More than 5,000 customers, 50,000 participants and over $1 billion in assets as of December 2025, compared with more than 2,500 businesses and 30,000 active users in April 2024. The company reports a 93% customer satisfaction/client retention rate, more than 200 payroll integrations, and platform data showing a 51% participation rate among the youngest quartile of employees versus a 22% U.S. Bureau of Labor Statistics industry average. Its iOS participant app holds a 4.8 rating across 16 ratings.

Latest developments

In December 2025, 401GO announced a $33 million Series B led by Centana Growth Partners with participation from Next Frontier Capital, Rally Ventures and Impression Ventures, to be used for scaling its in-house technology, expanding embedded partnerships with HCM providers, financial institutions and advisors, and growing its team and product line. Centana partner Ben Cukier cited the company's integrated platform approach in wealthtech.