401GO

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.

401GO publishes 10 APIs on the APIs.io network, including Affiliates & Firms API, Beneficiaries API, Companies & Plans API, and 7 more. Tagged areas include Company, Retirement, 401k, Financial-Services, and Fintech.

401GO’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

38.4/100 thin ▬ flat Agent 47/100 agent native Full breakdown ↓
scored 2026-08-24 · rubric v0.13.0

10 APIs 1 MCP Servers

Company Retirement 401k Financial-Services Fintech Payroll Human Resources Benefits Investments Wealth Management

Kin Score

Kin Score How this is scored →
scored 2026-08-24 · rubric v0.13.0

Composite quality — 38.4/100 · thin

Contract Quality 12.1 / 25

Developer Ergonomics 8.2 / 20

Access Clarity 6.8 / 20

Operational Transparency 0.0 / 13

Contract Governance 2.0 / 12

Discoverability 9.3 / 10

Agent readiness — 47/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/401go: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Open Collections 12

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

401Go Scopes

12 scopes · authorizationCode/clientCredentials

12 scopes

SCOPES

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

WellKnown

MCPServer

AgentSkill

LLMsTxt

AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Other 2

Properties that don't map to a standard resource type

OpenIDConnect

OpenIDConnect

Overlay

Overlay

Source (apis.yml)

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: '0.23'
created: '2026-08-02'
modified: '2026-08-02'
tags:
- Company
- Retirement
- 401k
- Financial-Services
- Fintech
- Payroll
- Human Resources
- Benefits
- Investments
- Wealth Management
tags_raw:
- 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-affiliates-firms-api
  name: 401GO Affiliates & Firms API
  description: The Affiliates & Firms API from 401GO — 7 operation(s) for affiliates & firms.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Affiliates & Firms
  properties:
  - type: OpenAPI
    url: openapi/401go-affiliates-firms-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-beneficiaries-api
  name: 401GO Beneficiaries API
  description: The Beneficiaries API from 401GO — 2 operation(s) for beneficiaries.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/401go-beneficiaries-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-companies-plans-api
  name: 401GO Companies & Plans API
  description: The Companies & Plans API from 401GO — 6 operation(s) for companies & plans.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Companies & Plans
  properties:
  - type: OpenAPI
    url: openapi/401go-companies-plans-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-contributions-payroll-api
  name: 401GO Contributions & Payroll API
  description: The Contributions & Payroll API from 401GO — 5 operation(s) for contributions & payroll.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Contributions & Payroll
  properties:
  - type: OpenAPI
    url: openapi/401go-contributions-payroll-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-documents-api
  name: 401GO Documents API
  description: The Documents API from 401GO — 2 operation(s) for documents.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/401go-documents-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-investments-portfolios-api
  name: 401GO Investments & Portfolios API
  description: The Investments & Portfolios API from 401GO — 8 operation(s) for investments & portfolios.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Investments & Portfolios
  properties:
  - type: OpenAPI
    url: openapi/401go-investments-portfolios-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-money-movement-api
  name: 401GO Money Movement API
  description: The Money Movement API from 401GO — 10 operation(s) for money movement.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Money Movement
  properties:
  - type: OpenAPI
    url: openapi/401go-money-movement-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-notifications-api
  name: 401GO Notifications API
  description: The Notifications API from 401GO — 3 operation(s) for notifications.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Notification
  tags_raw:
  - Notifications
  properties:
  - type: OpenAPI
    url: openapi/401go-notifications-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-participants-api
  name: 401GO Participants API
  description: The Participants API from 401GO — 4 operation(s) for participants.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Participants
  properties:
  - type: OpenAPI
    url: openapi/401go-participants-api-openapi.yml
  - 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: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-retirement-planning-api
  name: 401GO Retirement Planning API
  description: The Retirement Planning API from 401GO — 3 operation(s) for retirement planning.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Retirement Planning
  properties:
  - type: OpenAPI
    url: openapi/401go-retirement-planning-api-openapi.yml
  - 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: 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/_original/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

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/401go"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/401go/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/401go/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.