Investment Management·Capability hub

401k Specialist

Digital-first recordkeeping and administration for employer-sponsored retirement plans.

What's shifting

From clunky held-away interfaces to native trading rails

Historically, advising on a client's 401(k) meant navigating clunky, disconnected interfaces and dealing with severe compliance hurdles regarding custody and discretionary trading. API-driven platforms (like Pontera) and smart-contract networks are disrupting this by securely bridging the advisor's core rebalancing software directly into the client's held-away retirement account. This allows the advisor to seamlessly trade and bill on 401(k) assets as if they were natively custodied, dramatically expanding their addressable AUM.

Quick quiz

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How the work actually gets done

The top software vendors firms use here, and the features those tools actually ship.

Market landscape

16 vendors · 15 with profiles
LeaderEstablished, scaled incumbents.ChallengerMeaningful traction, gaining share.AIAI-native — built around LLMs / agents.DigitalDigitally native — app-first, no branches.