Updated 2026-03-30
T. Rowe Price 401(k) Provider Review
T. Rowe Price is renowned for actively managed funds and strong long-term performance. Their target-date funds consistently rank among the best performers.
Active Management Excellence • Rank #5 • Score: 8.5/10 • Founded 1937 • Baltimore, MD
Ratings Breakdown
Pros and Cons
Advantages
- Excellent actively managed fund performance
- Best-in-class target date funds
- Strong research capabilities
- No-transaction-fee mutual fund platform
- Excellent retirement planning resources
- Strong track record over decades
Disadvantages
- Higher expense ratios than passive alternatives
- Smaller fund lineup than larger competitors
- Limited brokerage options in plans
- Less name recognition outside retirement
- Fewer technology innovations
T. Rowe Price 401(k) Fees
| Fee Type | Amount |
|---|---|
| Administrative Fees | $0 - $50/year |
| Expense Ratios | 0.30% - 1.2% |
| Trading Fees | $0 for T. Rowe Price funds |
| Advisory Fees | 0.30% - 1.25% |
T. Rowe Price 401(k) Rollover Options
Rolling Into T. Rowe Price
T. Rowe Price accepts rollovers from 401(k), 403(b), and IRA accounts through their individual investor portal. Rollover specialists are available by phone at 800-225-5132.
Platform: Individual.troweprice.com
Rolling Out of T. Rowe Price
Request an outbound rollover by calling T. Rowe Price or through their online portal. Direct rollovers to IRAs and other plans are processed without withholding.
T. Rowe Price 401(k) Withdrawals & Distributions
Withdrawal Methods
Distribution Options
T. Rowe Price provides retirement income planning tools to help determine sustainable withdrawal rates. Withdrawals typically process within 2-3 business days.
T. Rowe Price 401(k) Loans
T. Rowe Price 401(k) plans may allow loans up to $50,000 or 50% of the vested balance. Repayment is through payroll deduction over up to 5 years. Interest rate is typically prime + 1%.
Investment Options
Key Features
Best For
- Active fund believers
- Target-date fund users
- Research-oriented investors
- Long-term holders
Complete T. Rowe Price 401(k) Review for 2026
T. Rowe Price ranks #5 in our 2026 401(k) provider rankings with an overall score of 8.5 out of 10. Founded in 1937 and headquartered in Baltimore, MD, T. Rowe Price manages $1.3 trillion in assets and serves 10 million participants across 4,500+ plan sponsors.
Why Choose T. Rowe Price for Your 401(k)?
T. Rowe Price is renowned for actively managed funds that consistently outperform benchmarks over long periods. Their Target Date Retirement Funds rank among the best performers in the industry, featuring a research-driven approach to asset allocation. Founded in 1937, T. Rowe Price brings decades of investment expertise to 401(k) management. While expense ratios are higher than passive alternatives, T. Rowe Price's active management has historically delivered alpha for patient long-term investors. Their retirement planning resources and guidance help participants stay on track toward their retirement goals.
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Frequently Asked Questions
T. Rowe Price charges administrative fees that vary by plan size. Expense ratios range from 0.30% - 1.2%, and advisory fees are 0.30% - 1.25%. Compare plans carefully as total costs depend on your plan size and investment selections.
You can log into your T. Rowe Price 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.
T. Rowe Price ranks #5 in our 2026 provider rankings with a score of 8.5/10. They manage $1.3 trillion in assets and serve 10 million participants. They are particularly strong for Active fund believers, Target-date fund users, Research-oriented investors, Long-term holders.
Yes, you can roll over your T. Rowe Price 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact T. Rowe Price or your new provider to initiate the transfer.
T. Rowe Price offers a range of investment options including Active Mutual Funds, Target Date Funds, Index Funds, ETFs. The specific fund lineup depends on your plan and may change periodically.
T. Rowe Price scores 8.5/10 overall with ratings of 3.8/5 for fees, 4.6/5 for investment options, 4.4/5 for customer service, and 4.2/5 for mobile app. Compare with other top providers on our comparison pages.
To roll into T. Rowe Price: T. Rowe Price accepts rollovers from 401(k), 403(b), and IRA accounts through their individual investor portal. Rollover specialists are available by phone at 800-225-5132. To roll out: Request an outbound rollover by calling T. Rowe Price or through their online portal. Direct rollovers to IRAs and other plans are processed without withholding. Use the Individual.troweprice.com platform to manage your rollover.
T. Rowe Price offers withdrawals via Online portal, Phone (800-225-5132). Distribution options include Lump sum, Partial withdrawal, Installment payments, Rollover to IRA. T. Rowe Price provides retirement income planning tools to help determine sustainable withdrawal rates. Withdrawals typically process within 2-3 business days.
T. Rowe Price 401(k) plans may allow loans up to $50,000 or 50% of the vested balance. Repayment is through payroll deduction over up to 5 years. Interest rate is typically prime + 1%.
Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact T. Rowe Price 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