A 401(k) that runs itself, right inside your payroll.
Unify Payroll and 401GO give Colorado employers a full-service 401(k) that syncs with isolved automatically. Lower fees, less admin, and real people when you need them.
Why most small businesses skip the 401(k), or regret the one they have
Professionals rank a retirement plan as their second most important benefit. The traditional way of running one makes it hard to say yes.
Expensive
Recordkeeper fees, TPA fees, advisor fees, and asset fees stack up, often with annual increases nobody warned you about.
A second job
Someone re-keys deferrals, new hires, loans, and terminations every payroll, then fixes the mismatches at year-end.
Compliance anxiety
Form 5500s, nondiscrimination tests, and fiduciary duties land on the owner, who never wanted to be a plan administrator.
We picked the 401(k) we wished our clients had
We already run your payroll on isolved. When we looked for a retirement partner, we wanted one that plugged into it properly, not another login and another spreadsheet. 401GO is the only isolved retirement partner with direct single sign-on, and its fees run 30–40% lower than many legacy providers.
Service figures reported by 401GO.
Your payroll and your 401(k), finally in sync
A secure two-way connection runs your plan in the background, so contributions match every paycheck and nobody re-keys anything.
For you
- Manage the plan where you already run payroll
- One set of credentials for your whole team
- Fewer errors and year-end corrections
For your employees
- Click from isolved straight into their 401(k)
- Deferral and loan changes flow to the next paycheck
- New hires enrolled without extra paperwork
A new plan can pay for itself
If you have 100 or fewer employees and no current plan, SECURE 2.0 credits can cover up to 100% of your plan's admin costs for the first three years.
- Startup credit: $250 per non-highly-compensated employee, up to the yearly max. Businesses with 51–100 employees get 50%.
- On top of that: up to $1,000 per eligible employee for employer contributions, on a sliding scale for five years.
- 401GO completes IRS Form 8881 for you, so the credit doesn't get left on the table.
Eligibility varies. Talk with your CPA about your situation.
- Startup credit
- Up to 100% of plan admin costs, max $5,000/yr
- Auto-enrollment credit
- $500/yr for three years
Colorado says offer a plan. Make it a good one.
Employers with five or more employees must offer a retirement plan or facilitate Colorado SecureSavings. A 401(k) checks the box and is a real benefit.
Employees 50 and older can add up to $8,000 more to a 401(k) in catch-up contributions.
2027 limits (effective January 1, 2027): $25,500 for a 401(k) and $7,500 for an IRA.
| Colorado SecureSavings | 401(k) via Unify + 401GO | |
|---|---|---|
| Annual limit (2026) | $7,500 | $24,500, plus catch-up at 50+ |
| Employer match | Not allowed | Allowed, and deductible |
| Who pays fees | Employees, out of their balances | Primarily the employer: a true benefit |
| Tax credits | None | Up to 100% of startup admin costs |
| Your admin work | Keep rosters current yourself | Synced from payroll automatically |
Annual limit (2026)
Employer match
Who pays fees
Tax credits
Your admin work
Already have a 401(k)? Switching is easier than you think.
You don't have to become a transfer expert. And 401GO pays your old provider's termination fees.
Review your plan
Send your current plan documents. 401GO identifies protected benefits and provisions to carry forward.
Set up the new plan
A dedicated implementation consultant finalizes documents and connects isolved. Employees can start contributing right away.
Move the money
Your prior provider sets the transfer timeline, typically 45–60 days. 401GO coordinates it and the required blackout notices.
A plan for every stage
We'll recommend the right fit and quote it on a short call.
GO-Starter
Very small businesses that want an affordable first plan, and a better alternative to the state IRA.
- 15-minute setup
- Higher limits than an IRA
- Upgrade as you grow
GO-Plus
Businesses of any size that want a full-featured plan with flexible design.
- Profit sharing and Roth match
- Cash balance and controlled groups
- Full isolved sync + SSO
GO-Solo
Owner-operators with no employees (spouse account included).
- High contribution limits
- Easy to convert if you hire
- Frictionless management
Every plan includes
Fiduciary coverage
3(16) plan administration and 3(38) investment fiduciary services are built in.
Compliance handled
Nondiscrimination testing, plus Form 5500 prepared, signed, and filed for you.
An app employees use
Balances, deferrals, investments, and loans from their phone, plus 401GOALS financial wellness tools.
Real people
U.S.-based support by phone, email, or chat, and a dedicated relationship manager for you.
Common questions
Unify Payroll is a referral partner of 401GO and may be compensated when a client establishes a plan with 401GO. Unify may also be compensated as an advisor to the plan; all fees are disclosed before you sign. 401GO provides recordkeeping, plan administration, and fiduciary services; plan assets are held by Matrix Trust Company. Fee comparisons and service figures are as reported by 401GO. Tax credit information is general, not tax advice.
Find out what a 401(k) would cost you, and what you'd get back
Book a short review call, or send a question first if you'd rather start in writing. Either way, no pressure.