Updated 2026-03-30
Compare 401(k) Providers
Compare any two 401(k) providers head-to-head. We offer 105 side-by-side comparisons covering fees, ratings, investment options, and features for 2026.
Click any comparison to see detailed side-by-side analysis including overall scores, fee breakdowns, ratings, strengths, and recommendations.
Fidelity Investments Comparisons
9.5/10 vs 9.3/10
Fidelity vs Schwab9.5/10 vs 9.1/10
Fidelity vs Empower9.5/10 vs 8.7/10
Fidelity vs T. Rowe Price9.5/10 vs 8.5/10
Fidelity vs Principal9.5/10 vs 8.3/10
Fidelity vs ADP9.5/10 vs 8.1/10
Fidelity vs Merrill9.5/10 vs 8.0/10
Fidelity vs TIAA9.5/10 vs 7.9/10
Fidelity vs John Hancock9.5/10 vs 7.7/10
Fidelity vs Transamerica9.5/10 vs 7.5/10
Fidelity vs Prudential9.5/10 vs 7.4/10
Fidelity vs Nationwide9.5/10 vs 7.3/10
Fidelity vs Human Interest9.5/10 vs 7.2/10
Fidelity vs Guideline9.5/10 vs 7.1/10
Fidelity vs Paychex9.5/10 vs 7.0/10
Fidelity vs Lincoln Financial9.5/10 vs 6.9/10
Fidelity vs Ascensus9.5/10 vs 6.8/10
Fidelity vs Morgan Stanley9.5/10 vs 6.8/10
Fidelity vs Betterment9.5/10 vs 6.7/10
Fidelity vs Vestwell9.5/10 vs 6.5/10
Fidelity vs ForUsAll9.5/10 vs 6.4/10
Fidelity vs Ubiquity9.5/10 vs 6.3/10
Fidelity vs Employee Fiduciary9.5/10 vs 6.2/10
Fidelity vs Slavic401k9.5/10 vs 6.1/10
Vanguard Comparisons
9.3/10 vs 9.1/10
Vanguard vs Empower9.3/10 vs 8.7/10
Vanguard vs T. Rowe Price9.3/10 vs 8.5/10
Vanguard vs Principal9.3/10 vs 8.3/10
Vanguard vs ADP9.3/10 vs 8.1/10
Vanguard vs Merrill9.3/10 vs 8.0/10
Vanguard vs TIAA9.3/10 vs 7.9/10
Vanguard vs John Hancock9.3/10 vs 7.7/10
Vanguard vs Transamerica9.3/10 vs 7.5/10
Vanguard vs Prudential9.3/10 vs 7.4/10
Vanguard vs Nationwide9.3/10 vs 7.3/10
Vanguard vs Human Interest9.3/10 vs 7.2/10
Vanguard vs Guideline9.3/10 vs 7.1/10
Vanguard vs Paychex9.3/10 vs 7.0/10
Vanguard vs Lincoln Financial9.3/10 vs 6.9/10
Vanguard vs Ascensus9.3/10 vs 6.8/10
Vanguard vs Morgan Stanley9.3/10 vs 6.8/10
Vanguard vs Betterment9.3/10 vs 6.7/10
Vanguard vs Vestwell9.3/10 vs 6.5/10
Vanguard vs ForUsAll9.3/10 vs 6.4/10
Vanguard vs Ubiquity9.3/10 vs 6.3/10
Vanguard vs Employee Fiduciary9.3/10 vs 6.2/10
Vanguard vs Slavic401k9.3/10 vs 6.1/10
Charles Schwab Comparisons
9.1/10 vs 8.7/10
Schwab vs T. Rowe Price9.1/10 vs 8.5/10
Schwab vs Principal9.1/10 vs 8.3/10
Schwab vs ADP9.1/10 vs 8.1/10
Schwab vs Merrill9.1/10 vs 8.0/10
Schwab vs TIAA9.1/10 vs 7.9/10
Schwab vs John Hancock9.1/10 vs 7.7/10
Schwab vs Transamerica9.1/10 vs 7.5/10
Schwab vs Prudential9.1/10 vs 7.4/10
Schwab vs Nationwide9.1/10 vs 7.3/10
Schwab vs Human Interest9.1/10 vs 7.2/10
Schwab vs Guideline9.1/10 vs 7.1/10
Schwab vs Paychex9.1/10 vs 7.0/10
Schwab vs Lincoln Financial9.1/10 vs 6.9/10
Schwab vs Ascensus9.1/10 vs 6.8/10
Schwab vs Morgan Stanley9.1/10 vs 6.8/10
Schwab vs Betterment9.1/10 vs 6.7/10
Schwab vs Vestwell9.1/10 vs 6.5/10
Schwab vs ForUsAll9.1/10 vs 6.4/10
Schwab vs Ubiquity9.1/10 vs 6.3/10
Schwab vs Employee Fiduciary9.1/10 vs 6.2/10
Schwab vs Slavic401k9.1/10 vs 6.1/10
Empower Retirement Comparisons
8.7/10 vs 8.5/10
Empower vs Principal8.7/10 vs 8.3/10
Empower vs ADP8.7/10 vs 8.1/10
Empower vs Merrill8.7/10 vs 8.0/10
Empower vs TIAA8.7/10 vs 7.9/10
Empower vs John Hancock8.7/10 vs 7.7/10
Empower vs Transamerica8.7/10 vs 7.5/10
Empower vs Prudential8.7/10 vs 7.4/10
Empower vs Nationwide8.7/10 vs 7.3/10
Empower vs Human Interest8.7/10 vs 7.2/10
Empower vs Guideline8.7/10 vs 7.1/10
Empower vs Paychex8.7/10 vs 7.0/10
Empower vs Lincoln Financial8.7/10 vs 6.9/10
Empower vs Ascensus8.7/10 vs 6.8/10
Empower vs Morgan Stanley8.7/10 vs 6.8/10
Empower vs Betterment8.7/10 vs 6.7/10
Empower vs Vestwell8.7/10 vs 6.5/10
Empower vs ForUsAll8.7/10 vs 6.4/10
Empower vs Ubiquity8.7/10 vs 6.3/10
Empower vs Employee Fiduciary8.7/10 vs 6.2/10
Empower vs Slavic401k8.7/10 vs 6.1/10
T. Rowe Price Comparisons
8.5/10 vs 8.3/10
T. Rowe Price vs ADP8.5/10 vs 8.1/10
T. Rowe Price vs Merrill8.5/10 vs 8.0/10
T. Rowe Price vs TIAA8.5/10 vs 7.9/10
T. Rowe Price vs John Hancock8.5/10 vs 7.7/10
T. Rowe Price vs Transamerica8.5/10 vs 7.5/10
T. Rowe Price vs Prudential8.5/10 vs 7.4/10
T. Rowe Price vs Nationwide8.5/10 vs 7.3/10
T. Rowe Price vs Human Interest8.5/10 vs 7.2/10
T. Rowe Price vs Guideline8.5/10 vs 7.1/10
T. Rowe Price vs Paychex8.5/10 vs 7.0/10
T. Rowe Price vs Lincoln Financial8.5/10 vs 6.9/10
T. Rowe Price vs Ascensus8.5/10 vs 6.8/10
T. Rowe Price vs Morgan Stanley8.5/10 vs 6.8/10
T. Rowe Price vs Betterment8.5/10 vs 6.7/10
T. Rowe Price vs Vestwell8.5/10 vs 6.5/10
T. Rowe Price vs ForUsAll8.5/10 vs 6.4/10
T. Rowe Price vs Ubiquity8.5/10 vs 6.3/10
T. Rowe Price vs Employee Fiduciary8.5/10 vs 6.2/10
T. Rowe Price vs Slavic401k8.5/10 vs 6.1/10
Principal Financial Comparisons
8.3/10 vs 8.1/10
Principal vs Merrill8.3/10 vs 8.0/10
Principal vs TIAA8.3/10 vs 7.9/10
Principal vs John Hancock8.3/10 vs 7.7/10
Principal vs Transamerica8.3/10 vs 7.5/10
Principal vs Prudential8.3/10 vs 7.4/10
Principal vs Nationwide8.3/10 vs 7.3/10
Principal vs Human Interest8.3/10 vs 7.2/10
Principal vs Guideline8.3/10 vs 7.1/10
Principal vs Paychex8.3/10 vs 7.0/10
Principal vs Lincoln Financial8.3/10 vs 6.9/10
Principal vs Ascensus8.3/10 vs 6.8/10
Principal vs Morgan Stanley8.3/10 vs 6.8/10
Principal vs Betterment8.3/10 vs 6.7/10
Principal vs Vestwell8.3/10 vs 6.5/10
Principal vs ForUsAll8.3/10 vs 6.4/10
Principal vs Ubiquity8.3/10 vs 6.3/10
Principal vs Employee Fiduciary8.3/10 vs 6.2/10
Principal vs Slavic401k8.3/10 vs 6.1/10
ADP Retirement Services Comparisons
8.1/10 vs 8.0/10
ADP vs TIAA8.1/10 vs 7.9/10
ADP vs John Hancock8.1/10 vs 7.7/10
ADP vs Transamerica8.1/10 vs 7.5/10
ADP vs Prudential8.1/10 vs 7.4/10
ADP vs Nationwide8.1/10 vs 7.3/10
ADP vs Human Interest8.1/10 vs 7.2/10
ADP vs Guideline8.1/10 vs 7.1/10
ADP vs Paychex8.1/10 vs 7.0/10
ADP vs Lincoln Financial8.1/10 vs 6.9/10
ADP vs Ascensus8.1/10 vs 6.8/10
ADP vs Morgan Stanley8.1/10 vs 6.8/10
ADP vs Betterment8.1/10 vs 6.7/10
ADP vs Vestwell8.1/10 vs 6.5/10
ADP vs ForUsAll8.1/10 vs 6.4/10
ADP vs Ubiquity8.1/10 vs 6.3/10
ADP vs Employee Fiduciary8.1/10 vs 6.2/10
ADP vs Slavic401k8.1/10 vs 6.1/10
Merrill Lynch Comparisons
8.0/10 vs 7.9/10
Merrill vs John Hancock8.0/10 vs 7.7/10
Merrill vs Transamerica8.0/10 vs 7.5/10
Merrill vs Prudential8.0/10 vs 7.4/10
Merrill vs Nationwide8.0/10 vs 7.3/10
Merrill vs Human Interest8.0/10 vs 7.2/10
Merrill vs Guideline8.0/10 vs 7.1/10
Merrill vs Paychex8.0/10 vs 7.0/10
Merrill vs Lincoln Financial8.0/10 vs 6.9/10
Merrill vs Ascensus8.0/10 vs 6.8/10
Merrill vs Morgan Stanley8.0/10 vs 6.8/10
Merrill vs Betterment8.0/10 vs 6.7/10
Merrill vs Vestwell8.0/10 vs 6.5/10
Merrill vs ForUsAll8.0/10 vs 6.4/10
Merrill vs Ubiquity8.0/10 vs 6.3/10
Merrill vs Employee Fiduciary8.0/10 vs 6.2/10
Merrill vs Slavic401k8.0/10 vs 6.1/10
TIAA Comparisons
7.9/10 vs 7.7/10
TIAA vs Transamerica7.9/10 vs 7.5/10
TIAA vs Prudential7.9/10 vs 7.4/10
TIAA vs Nationwide7.9/10 vs 7.3/10
TIAA vs Human Interest7.9/10 vs 7.2/10
TIAA vs Guideline7.9/10 vs 7.1/10
TIAA vs Paychex7.9/10 vs 7.0/10
TIAA vs Lincoln Financial7.9/10 vs 6.9/10
TIAA vs Ascensus7.9/10 vs 6.8/10
TIAA vs Morgan Stanley7.9/10 vs 6.8/10
TIAA vs Betterment7.9/10 vs 6.7/10
TIAA vs Vestwell7.9/10 vs 6.5/10
TIAA vs ForUsAll7.9/10 vs 6.4/10
TIAA vs Ubiquity7.9/10 vs 6.3/10
TIAA vs Employee Fiduciary7.9/10 vs 6.2/10
TIAA vs Slavic401k7.9/10 vs 6.1/10
John Hancock Comparisons
7.7/10 vs 7.5/10
John Hancock vs Prudential7.7/10 vs 7.4/10
John Hancock vs Nationwide7.7/10 vs 7.3/10
John Hancock vs Human Interest7.7/10 vs 7.2/10
John Hancock vs Guideline7.7/10 vs 7.1/10
John Hancock vs Paychex7.7/10 vs 7.0/10
John Hancock vs Lincoln Financial7.7/10 vs 6.9/10
John Hancock vs Ascensus7.7/10 vs 6.8/10
John Hancock vs Morgan Stanley7.7/10 vs 6.8/10
John Hancock vs Betterment7.7/10 vs 6.7/10
John Hancock vs Vestwell7.7/10 vs 6.5/10
John Hancock vs ForUsAll7.7/10 vs 6.4/10
John Hancock vs Ubiquity7.7/10 vs 6.3/10
John Hancock vs Employee Fiduciary7.7/10 vs 6.2/10
John Hancock vs Slavic401k7.7/10 vs 6.1/10
Transamerica Comparisons
7.5/10 vs 7.4/10
Transamerica vs Nationwide7.5/10 vs 7.3/10
Transamerica vs Human Interest7.5/10 vs 7.2/10
Transamerica vs Guideline7.5/10 vs 7.1/10
Transamerica vs Paychex7.5/10 vs 7.0/10
Transamerica vs Lincoln Financial7.5/10 vs 6.9/10
Transamerica vs Ascensus7.5/10 vs 6.8/10
Transamerica vs Morgan Stanley7.5/10 vs 6.8/10
Transamerica vs Betterment7.5/10 vs 6.7/10
Transamerica vs Vestwell7.5/10 vs 6.5/10
Transamerica vs ForUsAll7.5/10 vs 6.4/10
Transamerica vs Ubiquity7.5/10 vs 6.3/10
Transamerica vs Employee Fiduciary7.5/10 vs 6.2/10
Transamerica vs Slavic401k7.5/10 vs 6.1/10
Prudential Financial Comparisons
7.4/10 vs 7.3/10
Prudential vs Human Interest7.4/10 vs 7.2/10
Prudential vs Guideline7.4/10 vs 7.1/10
Prudential vs Paychex7.4/10 vs 7.0/10
Prudential vs Lincoln Financial7.4/10 vs 6.9/10
Prudential vs Ascensus7.4/10 vs 6.8/10
Prudential vs Morgan Stanley7.4/10 vs 6.8/10
Prudential vs Betterment7.4/10 vs 6.7/10
Prudential vs Vestwell7.4/10 vs 6.5/10
Prudential vs ForUsAll7.4/10 vs 6.4/10
Prudential vs Ubiquity7.4/10 vs 6.3/10
Prudential vs Employee Fiduciary7.4/10 vs 6.2/10
Prudential vs Slavic401k7.4/10 vs 6.1/10
Nationwide Comparisons
7.3/10 vs 7.2/10
Nationwide vs Guideline7.3/10 vs 7.1/10
Nationwide vs Paychex7.3/10 vs 7.0/10
Nationwide vs Lincoln Financial7.3/10 vs 6.9/10
Nationwide vs Ascensus7.3/10 vs 6.8/10
Nationwide vs Morgan Stanley7.3/10 vs 6.8/10
Nationwide vs Betterment7.3/10 vs 6.7/10
Nationwide vs Vestwell7.3/10 vs 6.5/10
Nationwide vs ForUsAll7.3/10 vs 6.4/10
Nationwide vs Ubiquity7.3/10 vs 6.3/10
Nationwide vs Employee Fiduciary7.3/10 vs 6.2/10
Nationwide vs Slavic401k7.3/10 vs 6.1/10
Human Interest Comparisons
7.2/10 vs 7.1/10
Human Interest vs Paychex7.2/10 vs 7.0/10
Human Interest vs Lincoln Financial7.2/10 vs 6.9/10
Human Interest vs Ascensus7.2/10 vs 6.8/10
Human Interest vs Morgan Stanley7.2/10 vs 6.8/10
Human Interest vs Betterment7.2/10 vs 6.7/10
Human Interest vs Vestwell7.2/10 vs 6.5/10
Human Interest vs ForUsAll7.2/10 vs 6.4/10
Human Interest vs Ubiquity7.2/10 vs 6.3/10
Human Interest vs Employee Fiduciary7.2/10 vs 6.2/10
Human Interest vs Slavic401k7.2/10 vs 6.1/10
Guideline Comparisons
7.1/10 vs 7.0/10
Guideline vs Lincoln Financial7.1/10 vs 6.9/10
Guideline vs Ascensus7.1/10 vs 6.8/10
Guideline vs Morgan Stanley7.1/10 vs 6.8/10
Guideline vs Betterment7.1/10 vs 6.7/10
Guideline vs Vestwell7.1/10 vs 6.5/10
Guideline vs ForUsAll7.1/10 vs 6.4/10
Guideline vs Ubiquity7.1/10 vs 6.3/10
Guideline vs Employee Fiduciary7.1/10 vs 6.2/10
Guideline vs Slavic401k7.1/10 vs 6.1/10
Paychex Comparisons
7.0/10 vs 6.9/10
Paychex vs Ascensus7.0/10 vs 6.8/10
Paychex vs Morgan Stanley7.0/10 vs 6.8/10
Paychex vs Betterment7.0/10 vs 6.7/10
Paychex vs Vestwell7.0/10 vs 6.5/10
Paychex vs ForUsAll7.0/10 vs 6.4/10
Paychex vs Ubiquity7.0/10 vs 6.3/10
Paychex vs Employee Fiduciary7.0/10 vs 6.2/10
Paychex vs Slavic401k7.0/10 vs 6.1/10
Lincoln Financial Comparisons
6.9/10 vs 6.8/10
Lincoln Financial vs Morgan Stanley6.9/10 vs 6.8/10
Lincoln Financial vs Betterment6.9/10 vs 6.7/10
Lincoln Financial vs Vestwell6.9/10 vs 6.5/10
Lincoln Financial vs ForUsAll6.9/10 vs 6.4/10
Lincoln Financial vs Ubiquity6.9/10 vs 6.3/10
Lincoln Financial vs Employee Fiduciary6.9/10 vs 6.2/10
Lincoln Financial vs Slavic401k6.9/10 vs 6.1/10
Ascensus Comparisons
6.8/10 vs 6.8/10
Ascensus vs Betterment6.8/10 vs 6.7/10
Ascensus vs Vestwell6.8/10 vs 6.5/10
Ascensus vs ForUsAll6.8/10 vs 6.4/10
Ascensus vs Ubiquity6.8/10 vs 6.3/10
Ascensus vs Employee Fiduciary6.8/10 vs 6.2/10
Ascensus vs Slavic401k6.8/10 vs 6.1/10
Morgan Stanley at Work Comparisons
6.8/10 vs 6.7/10
Morgan Stanley vs Vestwell6.8/10 vs 6.5/10
Morgan Stanley vs ForUsAll6.8/10 vs 6.4/10
Morgan Stanley vs Ubiquity6.8/10 vs 6.3/10
Morgan Stanley vs Employee Fiduciary6.8/10 vs 6.2/10
Morgan Stanley vs Slavic401k6.8/10 vs 6.1/10
Betterment at Work Comparisons
6.7/10 vs 6.5/10
Betterment vs ForUsAll6.7/10 vs 6.4/10
Betterment vs Ubiquity6.7/10 vs 6.3/10
Betterment vs Employee Fiduciary6.7/10 vs 6.2/10
Betterment vs Slavic401k6.7/10 vs 6.1/10
Vestwell Comparisons
6.5/10 vs 6.4/10
Vestwell vs Ubiquity6.5/10 vs 6.3/10
Vestwell vs Employee Fiduciary6.5/10 vs 6.2/10
Vestwell vs Slavic401k6.5/10 vs 6.1/10
ForUsAll Comparisons
6.4/10 vs 6.3/10
ForUsAll vs Employee Fiduciary6.4/10 vs 6.2/10
ForUsAll vs Slavic401k6.4/10 vs 6.1/10
Ubiquity Retirement + Savings Comparisons
Employee Fiduciary Comparisons
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-30