Fidelity 401(k) Provider Review

Fidelity Investments charges administrative fees that vary by plan size. Expense ratios range from 0.00% - 0.75%, and advisory fees are 0.35% - 1.0%. Compare plans carefully as total costs depend on your plan size and investment selections.

You can log into your Fidelity Investments 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.

Fidelity Investments ranks #1 in our 2026 provider rankings with a score of 9.5/10. They manage $4.5 trillion in assets and serve 43 million participants. They are particularly strong for Large employers, Cost-conscious investors, Self-directed investors, Solo 401(k) seekers.

Yes, you can roll over your Fidelity Investments 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact Fidelity or your new provider to initiate the transfer.

Fidelity Investments offers a range of investment options including Index Funds, Target Date Funds, Mutual Funds, ETFs, Stocks, Bonds, Self-Directed Brokerage. The specific fund lineup depends on your plan and may change periodically.

Fidelity Investments scores 9.5/10 overall with ratings of 4.9/5 for fees, 4.9/5 for investment options, 4.8/5 for customer service, and 4.7/5 for mobile app. Compare with other top providers on our comparison pages.

To roll into Fidelity: Fidelity accepts rollovers from 401(k), 403(b), 457(b), and IRA accounts online through NetBenefits. Most rollovers complete in 3-5 business days for electronic transfers. To roll out: To roll out of Fidelity, request a direct rollover through NetBenefits or call 800-343-3548. Fidelity can send funds electronically to most receiving institutions. Use the NetBenefits platform to manage your rollover.

Fidelity Investments offers withdrawals via Online via NetBenefits, Phone (800-343-3548), Fidelity branch offices. Distribution options include Lump sum, Partial withdrawal, Installment payments, Rollover to IRA. Fidelity processes most withdrawal requests within 1-3 business days. Hardship withdrawals require documentation through NetBenefits.

Fidelity 401(k) plans can allow loans up to the lesser of $50,000 or 50% of your vested balance. Repayment terms up to 5 years (15 years for primary residence). Interest rate is typically prime + 1%. Apply through NetBenefits.