Fidelity 401(k) Provider Review
Fidelity is the largest 401(k) provider in America, serving over 23,000 companies and 43 million participants. Known for exceptional customer service, zero-expense-ratio index funds, and industry-leading digital tools.
The Gold Standard in 401(k) Administration • Rank #1 • Score: 9.5/10 • Founded 1946 • Boston, MA
Ratings Breakdown
Pros and Cons
Advantages
- Zero expense ratio index funds (FZROX, FZILX)
- Industry-leading mobile app and online platform
- 24/7 customer service with dedicated retirement specialists
- Extensive investment options including BrokerageLink
- Free financial planning tools and calculators
- Strong solo 401(k) offering for self-employed
- No account minimums for most funds
- Excellent employer matching integration
Disadvantages
- Some actively managed funds have higher expense ratios
- Phone wait times can be long during peak hours
- Premium advisory services come at additional cost
- Website can be overwhelming for beginners
Fidelity 401(k) Fees
| Fee Type | Amount |
|---|---|
| Administrative Fees | $0 - varies by plan |
| Expense Ratios | 0.00% - 0.75% |
| Trading Fees | $0 for stocks/ETFs |
| Advisory Fees | 0.35% - 1.0% |
Investment Options
Key Features
Best For
- Large employers
- Cost-conscious investors
- Self-directed investors
- Solo 401(k) seekers
Complete Fidelity Investments 401(k) Review for 2026
Fidelity Investments ranks #1 in our 2026 401(k) provider rankings with an overall score of 9.5 out of 10. Founded in 1946 and headquartered in Boston, MA, Fidelity manages $4.5 trillion in assets and serves 43 million participants across 23,000+ plan sponsors.
Why Choose Fidelity for Your 401(k)?
Fidelity Investments is the largest 401(k) provider in America, offering industry-leading zero-expense-ratio index funds like FZROX and FZILX. The Fidelity NetBenefits platform provides seamless 401(k) management, while BrokerageLink allows self-directed investing within your retirement account. Fidelity's 401(k) fees are among the lowest in the industry, and their mobile app consistently ranks #1 for retirement planning. Whether you need a Fidelity solo 401(k) for self-employment or your employer offers Fidelity workplace retirement plans, you'll benefit from 24/7 customer service, free financial planning tools, and access to Fidelity Go robo-advisor services.
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Frequently Asked Questions
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.
Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact Fidelity Investments directly for the most current plan information.