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 API contracts indexed 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 27 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

36.5/100 thin ▬ flat Agent 48/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

AccessSelf serve

1 published contract 1 MCP Servers

Company Retirement 401k Financial Services Fintech Payroll Human Resources Benefits Investment Wealth Management Employee Benefits

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

Companies & PlansContributions & PayrollParticipants

GET /companies/ GET /companies/{company_id}/plan-provisions/ POST /plan-setup/ POST /companies/{company_id}/submit-payroll/

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 36.5/100 · thin

Contract Quality 8.0 / 19

Developer Ergonomics 6.2 / 15

Access Clarity 5.1 / 15

Operational Transparency 0.0 / 10

Contract Governance 0.4 / 9

Discoverability 5.6 / 8

Regulatory Posture 5.1 / 15

Create-or-Update Ergonomics 1.1 / 10

Agent readiness — 48/100 · agent ready

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Employment & Payroll regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/401go/"><img src="https://apis.io/badge/401go/card.svg" alt="401GO on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 10

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

401GO Affiliates & Firms API

The Affiliates & Firms API from 401GO — 7 operation(s) for affiliates & firms.

401GO Beneficiaries API

The Beneficiaries API from 401GO — 2 operation(s) for beneficiaries.

401GO Companies & Plans API

The Companies & Plans API from 401GO — 6 operation(s) for companies & plans.

401GO Contributions & Payroll API

The Contributions & Payroll API from 401GO — 5 operation(s) for contributions & payroll.

401GO Documents API

The Documents API from 401GO — 2 operation(s) for documents.

401GO Investments & Portfolios API

The Investments & Portfolios API from 401GO — 8 operation(s) for investments & portfolios.

401GO Money Movement API

The Money Movement API from 401GO — 10 operation(s) for money movement.

401GO Notifications API

The Notifications API from 401GO — 3 operation(s) for notifications.

401GO Participants API

The Participants API from 401GO — 4 operation(s) for participants.

401GO Retirement Planning API

The Retirement Planning API from 401GO — 3 operation(s) for retirement planning.

Scroll for all 10

Open Collections 11

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

401GO Affiliates & Firms API

OPEN COLLECTION

401GO Beneficiaries API

OPEN COLLECTION

401GO Companies & Plans API

OPEN COLLECTION

401GO Contributions & Payroll API

OPEN COLLECTION

401GO Documents API

OPEN COLLECTION

401GO Investments & Portfolios API

OPEN COLLECTION

401GO Money Movement API

OPEN COLLECTION

401GO Notifications API

OPEN COLLECTION

401GO APIs

OPEN COLLECTION

401GO Participants API

OPEN COLLECTION

401GO Retirement Planning API

OPEN COLLECTION

Scroll for all 11

MCP Servers 1

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

401GO MCP Server

Remote MCP server at developer.401go.com over HTTP.

MCP SERVER

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

401Go Api Overlay

9 actions · servers · 401go-openapi-original.json

DERIVED

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 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
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'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-17
tags:
- Company
- Retirement
- 401k
- Financial Services
- Fintech
- Payroll
- Human Resources
- Benefits
- Investment
- Wealth Management
- Employee Benefits
tags_raw:
- Company
- Retirement
- 401k
- Financial Services
- Fintech
- Payroll
- Human Resources
- Benefits
- Investments
- Wealth Management
- Financial-Services
- Employee Benefits
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: CapabilityMap
  url: capabilities/401go-capability-edges.yml
  name: 401GO Business Capability Map
- 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

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