Vestwell
What Vestwell is
Vestwell provides savings programs covering retirement, education, healthcare, emergency savings, student loan repayment, and disability savings. Its listed plan types include 401(k), 403(b), Solo(k), State Auto IRA, 529 Education Savings, Tuition Reimbursement, Student Loan Repayment, Emergency Savings, and ABLE. The cloud platform includes employer and advisor portals, digital onboarding, dashboards, compliance tools, and payroll connections. Vestwell says it connects with more than 190 payroll providers and automates contributions, deferral changes, and employee eligibility tracking, though integrations can be full or partial and payroll companies may charge passed-through fees. Savers can use web, iOS, and Android tools to track progress, manage contributions, and access accounts. Pricing starts at $45 a month, with no free plan or trial. Employer support is available by email, phone, and logged-in chat on weekdays.
Who it suits
Vestwell suits employers, financial institutions, payroll providers, and governments arranging multiple savings or benefit programs. It also serves savers who need web or mobile account access and contribution management.
What it does well
- Covers retirement, education, and emergency savings
- Supports web, iOS, and Android access
- Connects with 190+ payroll providers
- Includes employer and advisor portals
- Offers compliance tools and digital onboarding
What to know first
- No free plan or trial
- Pricing starts at $45 a month
- Payroll integrations may be partial
- Optional add-ons may cost extra
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Workplace | $125/month · $8/month per active participant · 0.20% asset-based investment management fee · One-time setup fee may apply · First-time plans · $24,500 employee contribution limit | $125 a month |
| Plus | $175/month · $8/month per active participant · 0.20% asset-based investment management fee · One-time setup fee may apply · First-time plans and plan transfers · $24,500 employee contribution limit | $175 a month |
| Solo(k) | $45/month · 0.30% asset-based fee · One-time origination fee may apply · $150/year for spouse (optional) · First-time plans for self-employed individuals and spouses · $24,500 employee contribution limit plus employer contributions | $45 a month |
| Starter(k) | $49/month · $8/month per active participant · 0.20% asset-based investment management fee · First-time plans with eligible payroll providers · Preset plan design; no employer contributions · $6,000 employee contribution limit | $49 a month |
As vestwell.com lists them, read 8 Oct 2026. The maker's own page has the final word.
Verdict
Vestwell combines several savings and benefit categories with portals, payroll connections, and mobile saver tools. Buyers should account for the paid starting price, possible payroll fees, and differences between integration types and optional add-ons.
Facts from Vestwell's own pages
- Additional fees
- The employer pricing page says optional add-ons, such as managed accounts and the plan document maintenance program, may cost extra. · vestwell.com, 8 Oct 2026
- Audits
- Vestwell says independent firms conduct SOC 1 and SOC 2 audits, penetration testing, and anti-money laundering audits. · vestwell.com, 8 Oct 2026
- Company founding
- Vestwell says the company was born on September 9, 2016. · vestwell.com, 8 Oct 2026
- Headquarters
- New York, NY, United States · vestwell.com, 28 Sept 2026
- Integration limits
- Payroll integrations may be full or partial, and some payroll companies may charge fees that are passed to the plan or employer. · vestwell.com, 8 Oct 2026
- Payroll integrations
- Vestwell says it connects with 190+ payroll providers and automates contributions, deferral changes, and employee eligibility tracking. · vestwell.com, 8 Oct 2026
- Platform
- Its proprietary platform is cloud-based and includes employer and advisor portals, digital onboarding, dashboards, compliance tools, and payroll connections. · vestwell.com, 8 Oct 2026
- Promotion
- New and converting defined contribution plans can qualify for three months without Vestwell base and participant fees if they sign before November 15, 2026; exclusions apply. · vestwell.com, 8 Oct 2026
- Saver tools
- The mobile app lets savers track progress, manage contributions, and access accounts, while the portal supports 18 languages and call support is available in 240+ languages. · vestwell.com, 8 Oct 2026
- Security
- Vestwell states it uses TLS 1.3 in transit, AES-256 at rest, and rotates encryption keys every 90 days. · vestwell.com, 8 Oct 2026
- Support
- Employer support is available by email, phone, and logged-in live chat Monday through Friday, 9 a.m. to 6 p.m. ET. · support.vestwell.com, 8 Oct 2026
- What it does
- Vestwell provides savings programs spanning retirement, education, healthcare, emergency savings, student loan repayment, and disability savings. · vestwell.com, 8 Oct 2026
- Who it serves
- Vestwell says it partners with employers, financial institutions, payroll providers, and governments. · vestwell.com, 8 Oct 2026
Where Vestwell stands on Freedom251
- 401(k) Software#4 of 14
- Benefits Administration Software#32 of 48