An affordable, easy 401(k) solution custom built for you

Toast partnered with Vestwell, a retirement platform that powers more than one million savers and 25,000 small businesses across all 50 states.


Exclusive pricing and plan options made for your business.



$49 / month

Best option for small restaurants (up to 10 FTEs) offering their first company 401(k) plan. Affordable, all-in price.


3(16) Fiduciary Administration

Exclusive payroll integration with Toast

Dedicated service teams

Streamlined administration

And more...

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$89 / month

Best option for midsized restaurants with up to 50 FTEs. Balance of flexibility and price.

Everything in Starter, plus:

Expert plan design consultation

More plan design flexibility

Additional eligibility options

And more...

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$119 / month

Best for restaurants with multiple locations, 50+ emeployees, or an existing plan.

Everything in Essentials, plus:

Hours-based eligibility

Most flexible plan design options

Optional match & profit sharing

Loans, in-service, and hardship withdrawals

And more...
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Tax credits can almost entirely offset the cost of a new 401(k) plan - up to $5,000/year plus an additional $500/year if the plan features auto-enrollment. Calculate cost ›
Your employees will be able to:
Start saving for retirement in less than five minutes

View their savings, investment strategy and fund breakdown in a few simple steps

Access support from a dedicated client success manager through phone and email

Explore a comprehensive digital help center with 401(k) educational articles and videos

Employee pricing

NOTE: This cost can be passed on to the employee.

$5 / month

For less than 17 cents a day, your employees can have a high quality retirement platform with a dedicated customer support manager.

As low as

.70% / year

Covers 401(k) services, including recordkeeping, custody, and investment management services.

Let's see your potential savings!

If you start a qualified retirement plan with auto-enrollment, you may qualify to earn up to $16,500 in tax credits over a three-year period.

Do you currently have a 401(k) plan that was started prior to 2018?

If the plan is more than three years old, it may not be eligible for start-up credit. But you may still be eligible for a $500 auto-enrollment credit!

How many employees do you have whose pay is reflected in a W-2?

Cannot exceed 100 employees to be eligible for credit.

How many non-owner employees will earn less than $150,000 in 2023??

Please enter number less than your total employee count.

Which plan type?

The maximum number of employees for a Solo plan is 1. Please adjust.

Year 1
Year 2
Year 3

Total recordkeeping fees

   › Annual recordkeeping fees

   › Setup fee ?

   › Employee fee (optional) ?

Total tax credits up to

 › Start-up credit ?

 › Auto-enrollment credit ?

Yearly cost after tax credits

You may need to slide left/right to see full table.

Please note: this calculator is for illustration purposes only. It should not be construed as tax advice. Please consult a tax professional regarding specific tax needs. For further information please visit the IRS website. The tax credits available to your company may change based up on the number of Highly Compensated Employees. Also, the definition of a HCE may change based on IRS rules.

Want a proposal? Want to chat with an expert?
We really wanted to provide our staff access to a quality, affordable 401(k) plan. Thanks to the integration between Toast and Vestwell, it couldn't have been easier.
Terry Ellis

why a 401(k)?

More savings for you. More savings for your employees.

401(k) plans allow business owners and employees to save nearly 3.5x more for retirement vs. an IRA program.* In 2023, employees can contribute up to $22,500 to their 401(k) plan ($30,000 for those older than 50), vs. $6,500 in an IRA.

Frequently Asked Questions

Here’s a few key benefits:

* Recruitment and retention: Retirement benefits help attract and retain top talent - especially in 2022’s tight labor market. More than 3 in 4 (77 percent) working Americans rank retirement savings—such as 401(k) and pension plans—as one of the most important employer-sponsored financial wellness benefits.

* Tax advantages: Employer contributions are deductible on the employer’s federal income tax return, up to a certain amount. And if you’re starting a new 401k) plan, you may be eligible to receive up to $16,500 in tax credits over the first three years to offset the business expense of setting up your 401(k).
Vestwell is designed to support small businesses and trusted by financial professionals. We partner with financial advisors all over the country, power state government retirement programs, and partner with leading financial institutions that trust us with their retirement offering.

The same 401(k) platform that powers major establishments is available to you as a small business. With Vestwell, you get the best of both worlds: affordable price and top-tier quality.
Your small business may be eligible to receive up to $16,500 in tax credits over the first three years to offset the expenses needed to set up, administer, and educate employees about the plan. E-mail to find out how much you could save.

who is vestwell?

Vestwell helps millions of Americans
save for their futures.


small businesses

1 million


$25 billion

assets under administration

Ready to get started?

With exclusive pricing and seamless integration with Toast, there's never been a better time to start a 401(k) plan.