Overview
Join more than 350,000 businesses across all 50 states who trust Vestwell’s modern savings platform to attract and retain top talent. With our seamless OnPay integration, starting and managing your 401(k) is easier than ever.
How it works
Vestwell is fully integrated with OnPay, making managing your retirement plan simple. We automate contributions and other payroll information by feeding data directly between systems, which saves you time, reduces errors, and provides a streamlined experience all around.
Pricing
Each plan is fully bundled for simplicity, with transparent pricing and no hidden fees. Only for OnPay customers:
- Workplace – $125/month:
The best choice for standard plan design options. Includes payroll integration, 3(16) Fiduciary Administration, a dedicated service representative, and optional participant loans, in-service, or hardship withdrawals - Plus – $175/month:
For those that already have a plan today or those seeking more flexibility. Everything in Workplace, plus expert plan consultation, advanced plan design, hours-based eligibility, and options for discretionary match or profit sharing
Employee Savings: Exceptional Value
- Starting at just $10/month — can be up to 8× more affordable than traditional providers.*
- Less than 33 cents a day for full access to our secure retirement platform, education resources, and on-demand support
- Five-minute sign-up for employees to start saving quickly
*Employee fees can be employer-paid or passed on to employees.
Financial Incentives & Tax Credits
Start a qualified retirement plan with auto-enrollment, and you may qualify for tax credits of $16,500 or more—depending on your business size and eligibility. Ask us how the latest federal incentives can help offset your costs.
Build your retirement benefits confidently with OnPay and Vestwell. There’s never been a better time to offer a 401(k).
¹ Disclaimer: Vestwell has agreed to waive your plan level base fee for the first 12 months of your initial contract term, if this contract is executed before January 1, 2026. In order to qualify for this promotion: you must execute a Vestwell Plan Services Agreement by January 1, 2026 and complete the onboarding process within 45 days thereafter, and the Plan Sponsor must remain in full compliance with all other terms and conditions of our terms of service at the time of payment of this promotion is made. This promotion may not be exchanged for any revisions to our Terms of Service, or other compensation and it may not be combined with other discounts or offers. All terms of this promotion are subject to change in Vestwell’s sole discretion and Vestwell may terminate, change, or suspend this promotion at any time. The terms and conditions of this promotion do not replace or affect in any way Vestwell’s Terms of Service.