401(k) Providers Ranked for 2026

We have ranked the top 15 401(k) providers based on fees, investment options, plan features, customer service, and technology. Click any provider for a detailed review.

Top 15 Providers

#	Provider	Score	Best For
1	Fidelity Investments	9.5/10	Overall best, zero-fee funds
2	Vanguard	9.3/10	Lowest costs, index investing
3	Charles Schwab	9.1/10	Full-service, 24/7 support
4	Empower Retirement	8.7/10	Large plans, planning tools
5	T. Rowe Price	8.5/10	Active management, target-date
6	Principal Financial	8.3/10	Small business, bundled services
7	ADP Retirement	8.1/10	Payroll integration
8	Merrill Lynch	8.0/10	BofA integration, advisory
9	TIAA	7.9/10	Education, nonprofits
10	John Hancock	7.7/10	Wellness programs
11	Transamerica	7.5/10	Financial wellness
12	Prudential	7.4/10	Guaranteed income
13	Nationwide	7.3/10	Public sector
14	Human Interest	7.2/10	Small biz fintech
15	Guideline	7.1/10	Startups, simplicity

How We Rank Providers

Our rankings are based on four key criteria: fees and costs (25%), investment options (25%), customer service (25%), and mobile app/technology (25%). We evaluate publicly available data, plan documents, participant reviews, and industry reports.