Updated 2026-03-30
ADP 401(k) Provider Review
ADP Retirement Services builds on the company's payroll expertise to deliver smooth 401(k) plan administration. With deep payroll integration, automated compliance features, and a broad investment menu, ADP is the go-to choice for businesses already using ADP payroll services.
Payroll Integration Powerhouse • Rank #7 • Score: 8.1/10 • Founded 1949 • Roseland, NJ
Ratings Breakdown
Pros and Cons
Advantages
- Direct payroll integration
- Automatic contribution processing
- Strong compliance support
- Easy setup for ADP payroll clients
- complete HR solutions
- Excellent for multi-state employers
Disadvantages
- Investment options through third parties
- Can be expensive for standalone 401(k)
- Less investment customization
- Technology not cutting edge
- Better value as part of HR bundle
ADP 401(k) Fees
| Fee Type | Amount |
|---|---|
| Administrative Fees | $2,000 - $5,000/year base |
| Expense Ratios | Varies by investment partner |
| Trading Fees | Plan dependent |
| Advisory Fees | 0.35% - 0.75% |
ADP 401(k) Rollover Options
Rolling Into ADP
ADP accepts rollovers from 401(k), 403(b), and IRA accounts through the ADP retirement portal. For ADP payroll clients, the integration makes incoming rollovers straightforward.
Platform: ADP Retirement Portal
Rolling Out of ADP
Request an outbound rollover through your ADP retirement account online or by calling 800-695-7526. ADP processes direct rollovers to IRAs and new employer plans.
ADP 401(k) Withdrawals & Distributions
Withdrawal Methods
Distribution Options
ADP withdrawal processing times vary by plan. The ADP mobile app allows you to track withdrawal request status.
ADP 401(k) Loans
ADP 401(k) plans may allow participant loans up to $50,000 or 50% of the vested balance. Loan repayments are typically deducted through ADP payroll automatically. Repayment term up to 5 years.
Investment Options
Key Features
Best For
- ADP payroll users
- Multi-state employers
- HR bundle seekers
- Compliance-focused companies
Complete ADP Retirement Services 401(k) Review for 2026
ADP Retirement Services ranks #7 in our 2026 401(k) provider rankings with an overall score of 8.1 out of 10. Founded in 1949 and headquartered in Roseland, NJ, ADP manages $130 billion in assets and serves 3 million participants across 90,000+ plan sponsors.
Why Choose ADP for Your 401(k)?
ADP Retirement Services builds on the company's dominance in payroll processing to deliver tightly integrated 401(k) solutions. For businesses already using ADP for payroll, adding ADP 401(k) means automatic contribution processing, simplified compliance, and unified HR management. ADP's 401(k) Essential and Complete plans scale from startups to enterprises. Multi-state employers particularly benefit from ADP's compliance expertise across jurisdictions. While standalone 401(k) fees may be higher, the integration value for ADP payroll clients is significant.
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Frequently Asked Questions
ADP Retirement Services charges administrative fees that vary by plan size. Expense ratios range from Varies by investment partner, and advisory fees are 0.35% - 0.75%. Compare plans carefully as total costs depend on your plan size and investment selections.
You can log into your ADP Retirement Services 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.
ADP Retirement Services ranks #7 in our 2026 provider rankings with a score of 8.1/10. They manage $130 billion in assets and serve 3 million participants. They are particularly strong for ADP payroll users, Multi-state employers, HR bundle seekers, Compliance-focused companies.
Yes, you can roll over your ADP Retirement Services 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact ADP or your new provider to initiate the transfer.
ADP Retirement Services offers a range of investment options including Partner Fund Lineups, Target Date Funds, Stable Value, Self-Directed Options. The specific fund lineup depends on your plan and may change periodically.
ADP Retirement Services scores 8.1/10 overall with ratings of 3.4/5 for fees, 3.5/5 for investment options, 4.0/5 for customer service, and 3.7/5 for mobile app. Compare with other top providers on our comparison pages.
To roll into ADP: ADP accepts rollovers from 401(k), 403(b), and IRA accounts through the ADP retirement portal. For ADP payroll clients, the integration makes incoming rollovers straightforward. To roll out: Request an outbound rollover through your ADP retirement account online or by calling 800-695-7526. ADP processes direct rollovers to IRAs and new employer plans. Use the ADP Retirement Portal platform to manage your rollover.
ADP Retirement Services offers withdrawals via Online via ADP portal, Phone (800-695-7526). Distribution options include Lump sum, Partial withdrawal, Installment payments, Rollover to IRA. ADP withdrawal processing times vary by plan. The ADP mobile app allows you to track withdrawal request status.
ADP 401(k) plans may allow participant loans up to $50,000 or 50% of the vested balance. Loan repayments are typically deducted through ADP payroll automatically. Repayment term up to 5 years.
Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact ADP Retirement Services directly for the most current plan information.
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