ADP vs Transamerica 401(k) Comparison
Compare ADP Retirement Services (#7, 8.1/10) and Transamerica (#11, 7.5/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | ADP | Transamerica |
|---|---|---|
| Overall Score | 8.1/10 | 7.5/10 |
| Rank | #7 | #11 |
| AUM | $130 billion | $300 billion |
| Participants | 3 million | 6 million |
| Plan Sponsors | 90,000+ | 35,000+ |
| Founded | 1949 | 1904 |
Ratings Comparison
| Category | ADP | Transamerica |
|---|---|---|
| Fees & Costs | 3.4/5 | 3.6/5 |
| Investment Options | 3.5/5 | 3.7/5 |
| Customer Service | 4.0/5 | 3.8/5 |
| Mobile App | 3.7/5 | 3.5/5 |
Fee Comparison
| Fee Type | ADP | Transamerica |
|---|---|---|
| Admin Fees | $2,000 - $5,000/year base | $750 - $3,000/year |
| Expense Ratios | Varies by investment partner | 0.25% - 1.2% |
| Trading Fees | Plan dependent | Plan dependent |
| Advisory Fees | 0.35% - 0.75% | 0.35% - 0.85% |
ADP Strengths
- Seamless payroll integration
- Automatic contribution processing
- Strong compliance support
- Easy setup for ADP payroll clients
Transamerica Strengths
- Comprehensive financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
Which Should You Choose?
Choose ADP if you want:
- ADP payroll users
- Multi-state employers
- HR bundle seekers
- Compliance-focused companies
Choose Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Our Verdict: ADP vs Transamerica
ADP Retirement Services wins this comparison with a score of 8.1/10 vs 7.5/10. ADP excels with seamless payroll integration, making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.
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ADP vs Transamerica: Complete 401(k) Comparison for 2026
Choosing between ADP Retirement Services and Transamerica for your 401(k) is an important decision that affects your retirement savings. ADP offers payroll integration while Transamerica is known for workplace benefits. In terms of fees, ADP charges Varies by investment partner expense ratios compared to Transamerica's 0.25% - 1.2%. ADP manages $130 billion in assets and serves 3 million participants, while Transamerica has $300 billion AUM and 6 million participants.
Key Differences: ADP vs Transamerica
When comparing ADP and Transamerica, consider their core strengths: ADP excels with seamless payroll integration, while Transamerica stands out for comprehensive financial wellness programs. Both providers offer comprehensive investment options including target-date funds, index funds, and managed accounts. ADP's customer service rating is 4.0/5 compared to Transamerica's 3.8/5. For mobile experience, ADP scores 3.7/5 while Transamerica scores 3.5/5.
Which Provider is Right for You?
Choose ADP if you prioritize adp payroll users. Choose Transamerica if you're looking for mid-sized companies. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual ADP and Transamerica provider pages.