Vestwell
Vestwell provides savings programs covering retirement, education, healthcare, emergency savings, student-loan repayment, and disability savings.
What Vestwell is
Vestwell provides savings programs covering retirement, education, healthcare, emergency savings, student-loan repayment, and disability savings. 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. Its cloud platform includes employer and advisor portals, digital onboarding, dashboards, compliance tools, and payroll connections. Vestwell says it connects with 190+ payroll providers and automates contributions, deferral changes, and employee eligibility tracking; integrations may be full or partial, and payroll providers may charge fees passed to the plan or employer. Savers can use Android, iOS, and web apps to track progress, manage contributions, and access accounts. The portal supports 18 languages, while call support is available in 240+ languages. Optional add-ons may cost extra. Employer support is available by email, phone, and logged-in chat Monday through Friday, 9 a.m. to 6 p.m. ET.
Good
- Wide range of savings and benefit plan types
- Connects with 190+ payroll providers
- Employer and advisor portals
- Mobile and web saver access
- Eligibility rules and payroll deductions
Watch out
- No free plan or free trial
- Payroll integrations may be partial
- Optional add-ons may cost extra
- Payroll provider fees may pass through
Who it suits
Vestwell suits employers, financial institutions, payroll providers, and governments offering workplace savings or benefit programs. It also serves savers needing mobile and web account access.
Verdict
Vestwell combines multiple savings programs with employer portals, payroll connections, and saver apps. Buyers should review integration coverage and additional fees alongside the paid starting price.
Plans and prices
From Vestwell's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Solo(k) | $45 a 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/month |
| Starter(k) | $49 a 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/month |
| Workplace | $125 a 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/month |
| Plus | $175 a 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/month |
The facts
Each one read from Vestwell's own pages, with the date it was checked.
What it does
- Additional fees
- The employer pricing page says optional add-ons, such as managed accounts and the plan document maintenance program, may cost extra.checked 8 Oct 2026
- Audits
- Vestwell says independent firms conduct SOC 1 and SOC 2 audits, penetration testing, and anti-money laundering audits.checked 8 Oct 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.checked 8 Oct 2026
- Payroll integrations
- Vestwell says it connects with 190+ payroll providers and automates contributions, deferral changes, and employee eligibility tracking.checked 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.checked 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.checked 8 Oct 2026
- Security
- Vestwell states it uses TLS 1.3 in transit, AES-256 at rest, and rotates encryption keys every 90 days.checked 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.checked 8 Oct 2026
- What it does
- Vestwell provides savings programs spanning retirement, education, healthcare, emergency savings, student loan repayment, and disability savings.checked 8 Oct 2026
- Who it serves
- Vestwell says it partners with employers, financial institutions, payroll providers, and governments.checked 8 Oct 2026
The company
- Company founding
- Vestwell says the company was born on September 9, 2016.checked 8 Oct 2026
- Headquarters
- New York, NY, United Stateschecked 28 Sep 2026
Where it runs
- Platform
- Its proprietary platform is cloud-based and includes employer and advisor portals, digital onboarding, dashboards, compliance tools, and payroll connections.checked 8 Oct 2026
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