Employer FAQ.

Two components: a $5 per employee per month platform fee (covers dashboards, education, payroll integration, and admin tools), plus the incentive budget you choose (typical default: $1,000 lifetime per employee, paid only when earned).

The incentive budget is pay-for-performance — you only owe what employees actually earn through completing setup and reaching savings milestones. Full numbers are walked through in the consultation.

WealthNest is an out-of-plan ESA, separate from your retirement plan. PLESA is a SECURE 2.0 in-plan provision capped at $2,500 per employee.

• Out-of-plan ESA (us): No 401(k) fiduciary entanglement, faster launch (60-90 days), configurable incentive budget, payroll-integrated.
• In-plan PLESA: Lives inside your existing retirement plan, $2,500 cap, requires plan amendment + recordkeeper enablement.

The consultation walks through both. Some employers run both.

Out-of-plan ESA carries materially less fiduciary entanglement than in-plan PLESA. Your retirement plan's fiduciary obligations are unchanged because the savings account isn't part of the plan. Always consult qualified counsel before implementation.

We integrate with the major US providers: ADP, Gusto, Paychex, Rippling, Workday, Justworks, TriNet, Paycom. If yours isn't listed, we'll handle it manually for the first program; bespoke integrations get added in subsequent quarters.

Typical timeline is 60-90 days from contract to first employee enrollment. Bottleneck is usually payroll-deduction line setup at your provider, not anything on our side.

We handle the heavy lifting: payroll one-pager generation, communications kit, financial education content, dashboard setup. You approve a few documents and your employees do the rest.

Yes. Default is $1,000 lifetime per employee, split 50/50 (signup bonus + $500 savings milestone). You can configure: total budget per employee, the split, and the milestone trigger. Discussed in detail during the consultation.

A 5-step signup wizard: basics, savings goal, per-paycheck contribution amount, a 4-minute financial education primer (3 short lessons), and savings account linking. About 5 minutes total. Try the demo here — nothing saved.

All employer rewards (signup bonus + milestone match) are paid through your standard payroll cycle, taxed as supplemental wages. WealthNest verifies the trigger conditions automatically (Plaid for savings balance, server logs for education completion) and surfaces a one-click approval in your admin dashboard.

3+ employees. The economics work best for 50-5,000 employees, but smaller teams qualify too. The platform fee scales with eligible employee count.

Our first 1-3 paying employer customers are charter customers — they get preferred terms, named-reference status, and direct input into the product roadmap. We co-build the program to their specific requirements. Book a consultation to discuss.