Updated 2026-03-30
Transamerica 401(k) Provider Review
Transamerica offers full-service retirement solutions with a focus on workplace benefits and employee financial wellness. Known for flexible plan designs and strong educational resources.
Retirement Solutions for Every Journey • Rank #11 • Score: 7.5/10 • Founded 1904 • Cedar Rapids, IA
Ratings Breakdown
Pros and Cons
Advantages
- complete financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
- Good small business solutions
- Retirement readiness assessments
Disadvantages
- Fees can be higher than discount brokers
- Investment options more limited
- Technology platform needs modernization
- Customer service inconsistent
- Less brand recognition
Transamerica 401(k) Fees
| Fee Type | Amount |
|---|---|
| Administrative Fees | $750 - $3,000/year |
| Expense Ratios | 0.25% - 1.2% |
| Trading Fees | Plan dependent |
| Advisory Fees | 0.35% - 0.85% |
Transamerica 401(k) Rollover Options
Rolling Into Transamerica
Transamerica accepts rollovers from 401(k), 403(b), and IRA accounts through Transamerica.com or by calling 800-755-5801. The RetireReady platform tracks all your retirement assets including rollovers.
Platform: Transamerica.com
Rolling Out of Transamerica
Request an outbound rollover through Transamerica.com or by phone. Transamerica processes direct rollovers to IRAs, 401(k), and other qualified plans.
Transamerica 401(k) Withdrawals & Distributions
Withdrawal Methods
Distribution Options
Transamerica processes withdrawal requests in 2-5 business days. Their Financial Wellness Hub provides guidance on withdrawal timing and tax implications.
Transamerica 401(k) Loans
Transamerica 401(k) plans may allow loans up to $50,000 or 50% of the vested balance. Repayment through payroll deduction over up to 5 years. Apply online through Transamerica.com.
Investment Options
Key Features
Best For
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Complete Transamerica 401(k) Review for 2026
Transamerica ranks #11 in our 2026 401(k) provider rankings with an overall score of 7.5 out of 10. Founded in 1904 and headquartered in Cedar Rapids, IA, Transamerica manages $300 billion in assets and serves 6 million participants across 35,000+ plan sponsors.
Why Choose Transamerica for Your 401(k)?
Transamerica delivers full-service workplace retirement solutions with over 100 years of financial services experience. Their RetireReady platform provides personalized retirement readiness assessments, helping participants understand if they're on track. Transamerica's Financial Wellness Hub offers broad financial education beyond just retirement savings, covering budgeting, debt management, and emergency savings. For mid-sized companies seeking integrated benefits solutions, Transamerica bundles 401(k) administration with other workplace benefits efficiently. Their flexible plan designs accommodate diverse workforce needs, from auto-enrollment to custom matching formulas.
Popular searches: Transamerica 401k login, Transamerica retirement, Transamerica 401k fees, Transamerica 401k withdrawal, Transamerica RetireReady, Transamerica 401k rollover, Transamerica Financial Wellness, Transamerica customer service, Transamerica retirement calculator, Transamerica small business 401k, Transamerica 401k loan, Transamerica workplace benefits.
Related 401(k) Guides
Frequently Asked Questions
Transamerica charges administrative fees that vary by plan size. Expense ratios range from 0.25% - 1.2%, and advisory fees are 0.35% - 0.85%. Compare plans carefully as total costs depend on your plan size and investment selections.
You can log into your Transamerica 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.
Transamerica ranks #11 in our 2026 provider rankings with a score of 7.5/10. They manage $300 billion in assets and serve 6 million participants. They are particularly strong for Mid-sized companies, Integrated benefits seekers, Financial wellness focus.
Yes, you can roll over your Transamerica 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact Transamerica or your new provider to initiate the transfer.
Transamerica offers a range of investment options including Mutual Funds, Target Date Funds, Stable Value, Managed Accounts. The specific fund lineup depends on your plan and may change periodically.
Transamerica scores 7.5/10 overall with ratings of 3.6/5 for fees, 3.7/5 for investment options, 3.8/5 for customer service, and 3.5/5 for mobile app. Compare with other top providers on our comparison pages.
To roll into Transamerica: Transamerica accepts rollovers from 401(k), 403(b), and IRA accounts through Transamerica.com or by calling 800-755-5801. The RetireReady platform tracks all your retirement assets including rollovers. To roll out: Request an outbound rollover through Transamerica.com or by phone. Transamerica processes direct rollovers to IRAs, 401(k), and other qualified plans. Use the Transamerica.com platform to manage your rollover.
Transamerica offers withdrawals via Online via Transamerica.com, Phone (800-755-5801). Distribution options include Lump sum, Partial withdrawal, Installment payments, Rollover to IRA. Transamerica processes withdrawal requests in 2-5 business days. Their Financial Wellness Hub provides guidance on withdrawal timing and tax implications.
Transamerica 401(k) plans may allow loans up to $50,000 or 50% of the vested balance. Repayment through payroll deduction over up to 5 years. Apply online through Transamerica.com.
Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact Transamerica 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