Updated 2026-03-30
T. Rowe Price vs Transamerica 401(k) Comparison
Compare T. Rowe Price (#5, 8.5/10) and Transamerica (#11, 7.5/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | T. Rowe Price | Transamerica |
|---|---|---|
| Overall Score | 8.5/10 | 7.5/10 |
| Rank | #5 | #11 |
| AUM | $1.3 trillion | $300 billion |
| Participants | 10 million | 6 million |
| Plan Sponsors | 4,500+ | 35,000+ |
| Founded | 1937 | 1904 |
Ratings Comparison
| Category | T. Rowe Price | Transamerica |
|---|---|---|
| Fees & Costs | 3.8/5 | 3.6/5 |
| Investment Options | 4.6/5 | 3.7/5 |
| Customer Service | 4.4/5 | 3.8/5 |
| Mobile App | 4.2/5 | 3.5/5 |
Fee Comparison
| Fee Type | T. Rowe Price | Transamerica |
|---|---|---|
| Admin Fees | $0 - $50/year | $750 - $3,000/year |
| Expense Ratios | 0.30% - 1.2% | 0.25% - 1.2% |
| Trading Fees | $0 for T. Rowe Price funds | Plan dependent |
| Advisory Fees | 0.30% - 1.25% | 0.35% - 0.85% |
T. Rowe Price Strengths
- Excellent actively managed fund performance
- Best-in-class target date funds
- Strong research capabilities
- No-transaction-fee mutual fund platform
Transamerica Strengths
- complete financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
Rollover, Loans & Withdrawals
| Feature | T. Rowe Price | Transamerica |
|---|---|---|
| Rollover Platform | Individual.troweprice.com | Transamerica.com |
| Loans Available | Yes | Yes |
| Withdrawal Methods | Online portal, Phone (800-225-5132) | Online via Transamerica.com, Phone (800-755-5801) |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA |
Which Should You Choose?
Choose T. Rowe Price if you want:
- Active fund believers
- Target-date fund users
- Research-oriented investors
- Long-term holders
Choose Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Our Verdict: T. Rowe Price vs Transamerica
T. Rowe Price wins this comparison with a score of 8.5/10 vs 7.5/10. T. Rowe Price excels with excellent actively managed fund performance, 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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T. Rowe Price vs Transamerica: Complete 401(k) Comparison for 2026
Choosing between T. Rowe Price and Transamerica for your 401(k) is an important decision that affects your retirement savings. T. Rowe Price offers active management while Transamerica is known for workplace benefits. In terms of fees, T. Rowe Price charges 0.30% - 1.2% expense ratios compared to Transamerica's 0.25% - 1.2%. T. Rowe Price manages $1.3 trillion in assets and serves 10 million participants, while Transamerica has $300 billion AUM and 6 million participants.
Key Differences: T. Rowe Price vs Transamerica
When comparing T. Rowe Price and Transamerica, consider their core strengths: T. Rowe Price excels with excellent actively managed fund performance, while Transamerica stands out for complete financial wellness programs. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. T. Rowe Price's customer service rating is 4.4/5 compared to Transamerica's 3.8/5. For mobile experience, T. Rowe Price scores 4.2/5 while Transamerica scores 3.5/5.
Which Provider is Right for You?
Choose T. Rowe Price if you prioritize active fund believers. 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 T. Rowe Price and Transamerica provider pages.
Frequently Asked Questions
T. Rowe Price scores higher in our 2026 rankings with 8.5/10. T. Rowe Price is best for active fund believers, while Transamerica is best for mid-sized companies. The right choice depends on your employer's plan and your priorities.
T. Rowe Price charges expense ratios of 0.30% - 1.2% with admin fees of $0 - $50/year. Transamerica charges 0.25% - 1.2% expense ratios with admin fees of $750 - $3,000/year. T. Rowe Price's fees rating is 3.8/5 compared to Transamerica's 3.6/5.
Yes, you can roll over between T. Rowe Price and Transamerica. T. Rowe Price uses Individual.troweprice.com for rollovers, while Transamerica uses Transamerica.com. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
T. Rowe Price offers 401(k) loans. Transamerica offers 401(k) loans. Both providers typically allow loans up to 50% of your vested balance or $50,000, whichever is less.
T. Rowe Price scores 4.6/5 for investment options, while Transamerica scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. T. Rowe Price's investment options include Active Mutual Funds, Target Date Funds, Index Funds. Transamerica offers Mutual Funds, Target Date Funds, Stable Value.
For small businesses, consider plan minimums and per-participant costs. T. Rowe Price is best for active fund believers, target-date fund users, research-oriented investors, long-term holders. Transamerica is best for mid-sized companies, integrated benefits seekers, financial wellness focus. Compare admin fees: T. Rowe Price charges $0 - $50/year vs Transamerica's $750 - $3,000/year.
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