# 401GO

**Canonical:** https://apis.io/providers/401go/  
**Website:** https://401go.com/  
**APIs profiled:** 10

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.

## Kin Score — 38.4 / 100 (thin)

Scored 2026-08-24 under rubric 0.13.0. Trend: flat (+0.2 from 38.2).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 48.4 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 41.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

## Agent readiness — 46.9 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | verified |
| MCP Server | verified |
| Auth Clarity | served |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (10)

- **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.

## MCP servers (1)

- **401GO MCP Server**

## Agentic access (1)

- **401Go Agentic Access** — 72 operations · 29 acting

## Security (2)

- **401Go Authentication** — oauth2/openIdConnect/apiKey · 3 schemes
- **401Go Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/401go/). Scores are computed from the provider's own public artifacts under a published rubric.