401(k) plan and recordkeeping

Participant experience:
Life-changing outcomes

How we help employees

Our unique approach to the 401(k) participant experience gives your employees attention through intention, surrounding them with the support they need when they need it. It’s personalized to their goals. It’s based in data and behavioral science. It can reduce their stress and help them feel confident about their future. And it gives plan sponsors like you the peace of mind that someone is looking out for your employees’ financial well-being.

Help your employees thrive

Finances can be challenging. Imagine if your employees received guidance no matter where they were on their financial journey — so they knew what action to take and when to take it. Well on Your WayTM from Vanguard helps your employees focus on what truly matters through financial wellness experiences, actionable advice, and enduring investments. As a result, your employees can embrace all of life’s moments and feel confident handling day-to-day concerns while still saving for retirement. 
87 %
of participants engaged or took action.¹
¹Vanguard, as of December 31, 2024.
2.7 x
more participant action with our personalized approach versus traditional campaigns.² 
²Vanguard, as of December 31, 2024.
68 %
income replacement ratio at the time of retirement³
³Vanguard, as of December 31, 2024.

Science-based, AI-enhanced, and human-centered

Say goodbye to generic financial guidance that’s based on age and income. And say hello to personalized financial wellness that is as unique as each employee’s DNA. Vanguard is one of the first in the industry to build a proprietary personalization system that responds to human intent and provides customized guidance based on predictive analytics and theories of behavioral finance. Your employees benefit from the right message, in their channel of choice, at the right time. And the experience gets more precise over time because it learns from every employee interaction.

See how our personalized approach supports employees no matter their age or career stage. 

View our experience in action
See how we help plan sponsors
Learn about our mission

Looking for a plan provider?

Already a client? Contact your representative today.
Let's get in touch

All investing is subject to risk, including the possible loss of the money you invest. 

Advisory services are provided by Vanguard Advisers, Inc. (VAI), a registered investment advisor. Eligibility restrictions may apply.