Question 1

What is NetWellth?

Accepted Answer

NetWellth is a 401(k) operating system that gives employers, employees, and advisors real-time visibility into plan fees, participation rates, compliance status, and overall plan health. It replaces fragmented vendors and manual processes with a unified technology platform.

Question 2

How much does NetWellth cost?

Accepted Answer

NetWellth has $0 startup cost and plans can go live in 48 hours. The all-in fee is 1% of plan assets, which covers recordkeeping via 401GO, fiduciary oversight via 401kWatchdog, compliance automation, and advisory services.

Question 3

What SECURE 2.0 tax credits are available?

Accepted Answer

Small businesses starting a new 401(k) can receive up to $182,500 in IRS tax credits under SECURE 2.0: up to $5,000/year for 3 years in plan startup credits, up to $1,000 per employee for 5 years in employer contribution credits, and $500/year for 3 years for including auto-enrollment.

Question 4

How is NetWellth different from a traditional 401(k)?

Accepted Answer

Traditional 401(k) plans offer little to no real-time visibility — fees are hidden, participation issues go undetected, and fiduciary gaps compound silently. NetWellth provides a live dashboard, automated enrollment, continuous compliance testing, and AI-powered fiduciary monitoring through 401kWatchdog.

Question 5

Does NetWellth work with my existing advisor?

Accepted Answer

Yes. NetWellth is advisor-agnostic. The platform layers real-time plan intelligence on top of any existing advisor relationship. Advisors can also become NetWellth partners to deliver enhanced services to their clients.

Question 6

How quickly can a 401(k) plan go live with NetWellth?

Accepted Answer

Plans powered by NetWellth and 401GO can go live in as little as 48 hours. Setup is handled end-to-end with zero upfront cost.

Financial Education | NetWellth, Retirement Plan System