Transamerica vs Nationwide 401(k) Comparison
Compare Transamerica (#11, 7.5/10) and Nationwide (#13, 7.3/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Transamerica | Nationwide |
|---|---|---|
| Overall Score | 7.5/10 | 7.3/10 |
| Rank | #11 | #13 |
| AUM | $300 billion | $250 billion |
| Participants | 6 million | 3.5 million |
| Plan Sponsors | 35,000+ | 30,000+ |
| Founded | 1904 | 1926 |
Ratings Comparison
| Category | Transamerica | Nationwide |
|---|---|---|
| Fees & Costs | 3.6/5 | 3.4/5 |
| Investment Options | 3.7/5 | 3.5/5 |
| Customer Service | 3.8/5 | 4.0/5 |
| Mobile App | 3.5/5 | 3.4/5 |
Fee Comparison
| Fee Type | Transamerica | Nationwide |
|---|---|---|
| Admin Fees | $750 - $3,000/year | $800 - $3,500/year |
| Expense Ratios | 0.25% - 1.2% | 0.30% - 1.3% |
| Trading Fees | Plan dependent | Plan dependent |
| Advisory Fees | 0.35% - 0.85% | 0.45% - 0.95% |
Transamerica Strengths
- Comprehensive financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
Nationwide Strengths
- Strong in 403(b) and 457 plans
- Guaranteed lifetime income options
- Good public sector solutions
- Stable value fund options
Which Should You Choose?
Choose Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Choose Nationwide if you want:
- Public sector employees
- Teachers and nonprofits
- Guaranteed income seekers
Our Verdict: Transamerica vs Nationwide
Transamerica wins this comparison with a score of 7.5/10 vs 7.3/10. Transamerica excels with comprehensive financial wellness programs, 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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Transamerica vs Nationwide: Complete 401(k) Comparison for 2026
Choosing between Transamerica and Nationwide for your 401(k) is an important decision that affects your retirement savings. Transamerica offers workplace benefits while Nationwide is known for public sector. In terms of fees, Transamerica charges 0.25% - 1.2% expense ratios compared to Nationwide's 0.30% - 1.3%. Transamerica manages $300 billion in assets and serves 6 million participants, while Nationwide has $250 billion AUM and 3.5 million participants.
Key Differences: Transamerica vs Nationwide
When comparing Transamerica and Nationwide, consider their core strengths: Transamerica excels with comprehensive financial wellness programs, while Nationwide stands out for strong in 403(b) and 457 plans. Both providers offer comprehensive investment options including target-date funds, index funds, and managed accounts. Transamerica's customer service rating is 3.8/5 compared to Nationwide's 4.0/5. For mobile experience, Transamerica scores 3.5/5 while Nationwide scores 3.4/5.
Which Provider is Right for You?
Choose Transamerica if you prioritize mid-sized companies. Choose Nationwide if you're looking for public sector employees. 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 Transamerica and Nationwide provider pages.