Vestwell Pricing in September 2026

Vestwell's pricing is largely quote-based. Reported figures put the employer base fee around 175 dollars per month plus per-participant fees, and asset-based fees may also apply depending on the plan, so treat those as approximate and confirm for your situation. Importantly, small businesses starting a new plan may qualify for federal SECURE Act tax credits worth up to roughly 16,500 dollars over three years, which can offset much of the early cost. The offer here is a 14-day free trial to evaluate the platform. Eligibility is open to small and mid-sized employers. The strategic decision is whether offering a retirement plan is worth the administrative cost, and for a startup competing for talent the calculus has shifted: the tax credits lower the real cost sharply, several states now mandate that employers offer a plan or join a state program, and a 401(k) is an expected benefit for many candidates. The trial is the way to see how manageable the administration is before you commit to a provider.