Vestwell | Toast
Limited time offer: Sign before August 31st, 2026 and claim $0 base fees until the end of the year for eligible Safe Harbor Plans3
Vestwell is the exclusive 401(k) solution for Toast customers—offering an affordable, modern retirement plan that helps you reward loyalty, reduce turnover, and support your employees’ future without adding to your workload.
Interested in speaking with a Vestwell representative right away? Call +1 833 984 2296.
Safe Harbor
Open a Safe Harbor 401(k) by August 31st and claim $0 base fees until the end of the year3.
Discover how effortless setup, meaningful employee engagement from day one, and a powerful recruiting advantage make Vestwell the smart choice for organizations launching their first retirement plan.
Sign within 48 hours and we’ll also waive your setup fee4.
- 500K+ businesses enabled
- 2M active savers
- $50B+ assets saved across all 50 states
Live plan tracking
See participation and savings progress in real time from your employer dashboard or the Vestwell mobile app.
Built-in tax savings
Take advantage of federal tax credits that can cover most—or all—of your plan costs, helping your business and employees save more.
Dedicated support
From setup to compliance and beyond, you’ll work with a dedicated team that knows your business and your plan.
Multilingual platform
Our platform supports 18 languages, with call support in 240+, so every employee can save confidently in the language they know best.
Easy setup in minutes
Connect your Toast Payroll account and launch your plan in under 30 minutes—no paperwork, no back-and-forth.
Automatic payroll submissions
Every time you run payroll, employee contributions sync automatically—no manual uploads or missed deductions.
Always up to date
From new hires to savings rate changes, your plan stays up to date without extra effort.
Starter
Our most basic option with simplified plan features. This may be the least expensive option for restaurants with one location.
$49 USD/month
Includes:
- ✓ 3(16) Fiduciary Administration
- ✓ Exclusive payroll integration with Toast
- ✓ 1:1 onboarding contact & dedicated service team
- ✓ Streamlined administration
Growth
Our Growth Plan offers flexible plan designs and affordable pricing tailored for established restaurants looking to transfer their existing plan or those starting their first plan.
$149 USD/month
Includes:
- ✓ Hours-based eligibility
- ✓ Most flexible plan design options
- ✓ Optional match & profit sharing
- ✓ Loans, in-service, and hardship withdrawals
I have a lot on my plate, so I was looking for something that would involve minimal lift with a lot of return for our employees. That's exactly what Vestwell does.
Lets see your potential savings!
If you start a qualified retirement plan with auto-enrollment, you may qualify to earn more than $150,000 in tax credits over a three-year period.
85% of employees expect their employer to offer a retirement plan.2
Build a stronger restaurant team with a 401(k) that helps them plan, save, and stay.
Contact us at 1-833-980-3040 or get started today.
Notes
1Vestwell, 2024 Saving Trends Report, www.vestwell.com/read/2024-saving-trends-report.
2Average of Vestwell funded plans between 2021 and 2023.
3$0 base fee applies for the first six months of the active plan for all Intuit Customers that execute a new Vestwell services agreement by August 31st, 2026. After 6 months, standard base fees for each plan will apply. Additional fees may apply including investment advisory and fees record keeping services.
4Sign our services agreement with 48 hours to be eligible for a waived setup fee.