Morgan Stanley 401(k) Provider Review

Morgan Stanley at Work charges administrative fees that vary by plan size. Expense ratios range from 0.03% - 1.5%, and advisory fees are 0.50% - 1.5%. Compare plans carefully as total costs depend on your plan size and investment selections.

You can log into your Morgan Stanley at Work 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.

Morgan Stanley at Work ranks #19 in our 2026 provider rankings with a score of 6.8/10. They manage $6.2 trillion in assets and serve 6 million participants. They are particularly strong for Companies with stock plans, Employees wanting full brokerage access, High-net-worth participants, Self-directed traders.

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

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

Morgan Stanley at Work scores 6.8/10 overall with ratings of 3.0/5 for fees, 4.5/5 for investment options, 4.1/5 for customer service, and 4.0/5 for mobile app. Compare with other top providers on our comparison pages.

To roll into Morgan Stanley: Morgan Stanley at Work accepts rollovers from 401(k), 403(b), 457(b), and IRA accounts through the participant portal or by contacting your Morgan Stanley financial advisor. You can also call 800-869-3326 to initiate. Electronic transfers from most providers typically complete within 5-7 business days. Morgan Stanley can help consolidate accounts from multiple former employers. To roll out: Request an outbound rollover through your Morgan Stanley account online, by calling 800-869-3326, or through your financial advisor. Direct rollovers to Morgan Stanley IRAs preserve your advisory relationship. Rolling to external institutions is also supported. E*Trade self-directed brokerage positions may need to be liquidated before transfer. Use the Morgan Stanley at Work Portal platform to manage your rollover.

Morgan Stanley at Work offers withdrawals via Online via Morgan Stanley portal, Phone (800-869-3326), Through Morgan Stanley financial advisor, Branch office visit. Distribution options include Lump sum, Partial withdrawal, Systematic withdrawals, Rollover to IRA, Required Minimum Distributions. Morgan Stanley provides withdrawal planning through their financial advisors, helping determine sustainable withdrawal rates and tax-efficient distribution strategies. Processing takes 3-5 business days for electronic transfers. Their WealthDesk platform provides holistic retirement income planning across all your accounts.

Morgan Stanley 401(k) plans may allow participant loans up to $50,000 or 50% of the vested balance, whichever is less. Repayment terms up to 5 years (longer for primary home purchase). Interest rate is typically prime + 1%. Apply through the plan portal or contact your advisor. E*Trade brokerage positions may need adjustment to fund the loan.