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 1 API on the APIs.io network. 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

46.6/100 developing Agent 68/100 agent native Full breakdown ↓
scored 2026-08-03 · rubric v0.9

1 APIs 1 MCP Servers

CompanyRetirement401kFinancial ServicesFintechPayrollHuman ResourcesBenefitsInvestmentsWealth Management

Kin Score

Kin Score How this is scored →
scored 2026-08-03 · rubric v0.9

Composite quality — 46.6/100 · developing

Contract Quality 11.7 / 25

Developer Ergonomics 14.8 / 20

Commercial Clarity 8.9 / 20

Operational Transparency 0.0 / 13

Governance 2.5 / 12

Discoverability 8.7 / 10

Agent readiness — 68/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

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 4 / 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 1

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

401GO API

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, pa...

MCP Servers 1

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

401go-mcp.yml

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

401Go Authentication

oauth2/openIdConnect/apiKey · 3 schemes

SECURITY

401Go Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

401Go Scopes

12 scopes · authorizationCode/clientCredentials

12 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

401Go Agentic Access

72 operations · 29 acting

AGENTIC

Resources

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: '0.20'
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

Where this information came from

This is an independent, third-party profile of 401GO, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.

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Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.

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