Updated 2026-03-20
Paychex vs Slavic401k 401(k) Comparison
Compare Paychex (#16, 7.0/10) and Slavic401k (#25, 6.1/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Paychex | Slavic401k |
|---|---|---|
| Overall Score | 7.0/10 | 6.1/10 |
| Rank | #16 | #25 |
| AUM | $48 billion | $3 billion |
| Participants | 730,000 | 50,000 |
| Plan Sponsors | 740,000+ | 2,500+ |
| Founded | 1971 | 1995 |
Ratings Comparison
| Category | Paychex | Slavic401k |
|---|---|---|
| Fees & Costs | 3.4/5 | 3.2/5 |
| Investment Options | 3.6/5 | 4.8/5 |
| Customer Service | 3.8/5 | 3.4/5 |
| Mobile App | 3.5/5 | 3.0/5 |
Fee Comparison
| Fee Type | Paychex | Slavic401k |
|---|---|---|
| Admin Fees | $80 - $150/month + per-employee fees | $1,200 - $2,500/year + per-participant |
| Expense Ratios | 0.10% - 1.2% | Varies by investment choice |
| Trading Fees | Included | $0 for stocks/ETFs, varies for options |
| Advisory Fees | 0.50% - 1.0% | N/A - self-directed |
Paychex Strengths
- Seamless payroll-to-401(k) contribution processing
- One of the largest recordkeepers in the US
- Plans for businesses from 1 to 1,000+ employees
- Bundled HR, payroll, and retirement services
Slavic401k Strengths
- Full self-directed brokerage within 401(k)
- Trade individual stocks, ETFs, options
- Maximum investment flexibility
- TD Ameritrade/Schwab brokerage window
Rollover, Loans & Withdrawals
| Feature | Paychex | Slavic401k |
|---|---|---|
| Rollover Platform | Paychex Flex | Slavic401k Portal |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online via Paychex Flex, Phone (800-741-6277), Through plan administrator | Phone (800-356-3009), Online portal |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA, Required Minimum Distributions | Lump sum, Partial withdrawal, In-kind transfer of securities, Rollover to IRA, Required Minimum Distributions |
Which Should You Choose?
Choose Paychex if you want:
- Paychex payroll clients
- Small to mid-size businesses
- Companies wanting bundled HR+retirement
- PEO participants
Choose Slavic401k if you want:
- Self-directed investors
- Active traders
- Sophisticated investors
- Those wanting maximum 401(k) flexibility
Our Verdict: Paychex vs Slavic401k
Paychex wins this comparison with a score of 7.0/10 vs 6.1/10. Paychex excels with seamless payroll-to-401(k) contribution processing, 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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Paychex vs Slavic401k: Complete 401(k) Comparison for 2026
Choosing between Paychex and Slavic401k for your 401(k) is an important decision that affects your retirement savings. Paychex offers payroll integration while Slavic401k is known for self-directed. In terms of fees, Paychex charges 0.10% - 1.2% expense ratios compared to Slavic401k's Varies by investment choice. Paychex manages $48 billion in assets and serves 730,000 participants, while Slavic401k has $3 billion AUM and 50,000 participants.
Key Differences: Paychex vs Slavic401k
When comparing Paychex and Slavic401k, consider their core strengths: Paychex excels with seamless payroll-to-401(k) contribution processing, while Slavic401k stands out for full self-directed brokerage within 401(k). Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. Paychex's customer service rating is 3.8/5 compared to Slavic401k's 3.4/5. For mobile experience, Paychex scores 3.5/5 while Slavic401k scores 3.0/5.
Which Provider is Right for You?
Choose Paychex if you prioritize paychex payroll clients. Choose Slavic401k if you're looking for self-directed investors. 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 Paychex and Slavic401k provider pages.
Frequently Asked Questions
Paychex scores higher in our 2026 rankings with 7.0/10. Paychex is best for paychex payroll clients, while Slavic401k is best for self-directed investors. The right choice depends on your employer's plan and your priorities.
Paychex charges expense ratios of 0.10% - 1.2% with admin fees of $80 - $150/month + per-employee fees. Slavic401k charges Varies by investment choice expense ratios with admin fees of $1,200 - $2,500/year + per-participant. Paychex's fees rating is 3.4/5 compared to Slavic401k's 3.2/5.
Yes, you can roll over between Paychex and Slavic401k. Paychex uses Paychex Flex for rollovers, while Slavic401k uses Slavic401k Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
Paychex offers 401(k) loans. Slavic401k offers 401(k) loans. Both providers typically allow loans up to 50% of your vested balance or $50,000, whichever is less.
Paychex scores 3.6/5 for investment options, while Slavic401k scores 4.8/5. Both offer target-date funds, index funds, and managed accounts. Paychex's investment options include Mutual Funds, Target Date Funds, Index Funds. Slavic401k offers Individual Stocks, ETFs, Mutual Funds.
For small businesses, consider plan minimums and per-participant costs. Paychex is best for paychex payroll clients, small to mid-size businesses, companies wanting bundled hr+retirement, peo participants. Slavic401k is best for self-directed investors, active traders, sophisticated investors, those wanting maximum 401(k) flexibility. Compare admin fees: Paychex charges $80 - $150/month + per-employee fees vs Slavic401k's $1,200 - $2,500/year + per-participant.
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: 2026-03-20