403(b)

For Employers

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Vestwell helps nonprofit organizations offer flexible, scalable 403(b) plans that are simple to set up and manage—so you can focus on your people, not paperwork.

Customizable for your workforce

Plan design can be tailored to your business structure and goals—from eligibility rules to safe harbor, profit-sharing, vesting schedules, and match formulas.

Seamless administration

Payroll integrations with leading providers, built-in reporting, and compliance support make plan management efficient, no matter how complex your needs.

User-friendly, accessible 403(b) platform

An intuitive portal and mobile app make it easy for employees to enroll and manage their savings—available in 18 languages and accessible anytime, anywhere.

Flexible investments

Build your fund selection—from goal-based advisor-managed accounts to preset lineups and guaranteed lifetime income options.

Mobile App

Employees can manage their account and savings on the go with the Vestwell mobile app. They can set contributions, adjust account details, and track progress anytime, anywhere.

Managed Accounts

A tool that provides a more personalized asset allocation into portfolios based on retirement and investment goals.

Student Loan Retirement Match

A benefit to pay back student debt while saving for retirement, with employer matching contributions of student loan payments towards employee retirement accounts.

Non-Elective Contributions

A flexible option for employers to share company success by making additional contributions toward retirement accounts after the plan year ends.

Learning Center

A complimentary, integrated library of financial wellness resources and interactive learning modules on foundational topics, from budgeting to saving for a home to planning for milestones.

Offer a 403(b) Plan your employees will value.

Your team is the heart of what you do. See how easy it is to offer a modern 403(b) plan that helps attract talent, improve retention, and provide meaningful financial security for those who serve your mission.

“We wanted a retirement plan that set our company apart, and that's exactly what Vestwell has done for us.”

A retirement plan built for the way you work.

Get an inside look at how Vestwell simplifies setup, strengthens employee engagement, and delivers dedicated support from onboarding to ongoing plan management.

What’s the process like to set up a 403(b) plan?

You’ll get a dedicated onboarding manager to guide you through every step, including a platform walkthrough, any plan transfer tasks, and payroll setup.

How is a 403(b) different from a 401(k)?

Both are tax‑advantaged retirement plans, but 403(b) plans are generally offered by nonprofits, public schools, and certain tax‑exempt organizations, while 401(k) plans are typically provided by private‑sector businesses. Each has specific rules around eligibility, investment options, and compliance requirements.

Do you support multi-EIN or multi-location businesses?

Absolutely. Vestwell was built to support complex structures across payroll and benefits.

What payroll providers do you integrate with?

Vestwell has the ability to integrate with 190+ payroll providers, including Gusto, QuickBooks, ADP, Netchex, Toast, and more.

Can I offer more than just a 403(b)?

Yes! Vestwell also supports education savings, emergency savings, and more.