aid: 401go
name: 401GO
description: 401GO is a Utah-based retirement technology provider that delivers fast, low-cost
  401(k), Solo 401(k), Cash Balance and IRA plans to small and medium-sized businesses, sole
  proprietors, financial advisors, payroll bureaus and HCM platforms. The 401GO API is a
  partner-oriented REST API on app.401go.com that lets payroll providers and benefits platforms
  programmatically set up plans, sync participant census data, read plan provisions and employer
  match formulas, retrieve deferral elections and loan deductions, and submit payroll
  contribution files — the 360-degree payroll integration 401GO markets to HCM partners. The
  same API also exposes participant-facing surfaces for investments and portfolios, rebalancing,
  beneficiaries, disbursements, loan requests, rollovers, retirement-planning projections,
  notifications and documents. Access is OAuth 2.0 (authorization code and client credentials)
  with OpenID Connect SSO, and is further gated by a per-client endpoint-plus-HTTP-method allow
  list negotiated during partner onboarding.
image: https://401go.com/wp-content/uploads/2024/10/cropped-favicon-192x192.png
url: https://raw.githubusercontent.com/api-evangelist/401go/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment
specificationVersion: '0.20'
created: '2026-08-02'
modified: '2026-08-02'
tags:
- Company
- Retirement
- 401k
- Financial Services
- Fintech
- Payroll
- Human Resources
- Benefits
- Investments
- Wealth Management
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: 401go:401go-api
  name: 401GO API
  description: The 401GO partner REST API. 72 operations across 50 paths covering affiliate
    firms and advisors, companies and 401(k) plan setup, plan provisions and employer match
    formulas, participant census, payroll submission, deferrals, investments and portfolios,
    beneficiaries, disbursements, loan requests, rollovers, money-movement history,
    retirement-planning estimates, notifications and participant documents. OAuth 2.0 bearer
    or Knox token auth, page/page_size pagination, and header-based per-endpoint date
    versioning via the api-version header.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Retirement
  - 401k
  - Payroll
  - Participants
  - Investments
  properties:
  - type: OpenAPI
    url: openapi/401go-openapi-original.json
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: Overlay
    url: overlays/401go-api-overlay.yaml
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
common:
- type: Website
  url: https://401go.com/
- type: DeveloperPortal
  url: https://developer.401go.com/
- type: Documentation
  url: https://developer.401go.com/docs/getting-started
- type: APIReference
  url: https://developer.401go.com/reference/companies_list
- type: GettingStarted
  url: https://developer.401go.com/docs/getting-started
- type: Support
  url: https://401go.com/contact/
- type: Blog
  url: https://401go.com/resources/blog/
- type: BlogRSS
  url: https://401go.com/resources/blog/feed/
- type: Pricing
  url: https://401go.com/401k-pricing/
- type: SignUp
  url: https://app.401go.com/plandesign/signup/
- type: Login
  url: https://app.401go.com/accounts/login
- type: TermsOfService
  url: https://401go.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://401go.com/privacy-policy/
- type: OpenAPI
  url: openapi/401go-openapi-original.json
- type: Authentication
  url: authentication/401go-authentication.yml
- type: OAuthScopes
  url: scopes/401go-scopes.yml
- type: OpenIDConnect
  url: well-known/401go-openid-configuration.json
- type: WellKnown
  url: well-known/401go-well-known.yml
- type: Conventions
  url: conventions/401go-conventions.yml
- type: Idempotency
  url: conventions/401go-conventions.yml
- type: ErrorCatalog
  url: errors/401go-problem-types.yml
- type: Lifecycle
  url: lifecycle/401go-lifecycle.yml
- type: Conformance
  url: conformance/401go-conformance.yml
- type: DataModel
  url: data-model/401go-data-model.yml
- type: Sandbox
  url: sandbox/401go-sandbox.yml
- type: MCPServer
  url: mcp/401go-mcp.yml
- type: ToolCrosswalk
  url: mcp/401go-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/401go-llms.txt
- type: Overlay
  url: overlays/401go-api-overlay.yaml
- type: Packages
  url: packages/401go-packages.yml
- type: DomainSecurity
  url: security/401go-domain-security.yml
- type: AgenticAccess
  url: agentic-access/401go-agentic-access.yml
x-enrichment:
  date: '2026-08-02'
  status: enriched
  artifacts_added: 24
  pass: local-v1