401GO just pulled in $33M in a Series B led by Centana Growth Partners, and the move lands with the kind of precision you get when a crew that has been quietly mastering its craft finally decides to turn the volume up. What Dan Beck, Nate Beck, and Jared Porter built in Sandy, Utah was never about chasing trends. It started with Dan Beck trying to set up a 401k for his own employees and hitting a wall of outdated systems, legacy vendors, and a process that felt more archaeological dig than financial service. That frustration turned into a fully owned, vertically integrated retirement platform now serving 5K+ businesses and 50K+ participants with more than $1B in assets humming through an engine built entirely in house.
This $33M round is fuel, not fanfare. Centana brings Ben Cukier to the board, joining Richard Harjes from Next Frontier Capital and Tom Peterson from Rally Ventures. When investors with deep fintech DNA double down, it signals the fundamentals are not just solid. They are compounding. Next Frontier Capital, Rally Ventures, and Impression Ventures all returned because the data keeps bending upward. 401GO spent the past few years stacking 250% YOY revenue growth, consistent 8 to 10% monthly momentum, and a participation rate among younger employees that blows past the national 22% benchmark, hitting 51% across its user base.
The platform’s edge sits in the architecture. Plans that once took weeks now spin up in about 15 minutes. GO IRA rollovers flow cleanly. Compliance runs on automation instead of human heroics. Integrations with Apex Fintech, Pontera, and Catapult HQ turn advisors, payroll partners, and HCM platforms into one connected ecosystem instead of a patchwork of half-compatible tools. HSAs and ESAs are next on the runway, and with this infrastructure, expansion feels less like a pivot and more like gravity.
The leadership roster reads like a team that understands scale as a discipline. Stan Smith brings 26 years of market experience and a toolkit of credentials. Cheryl Morrison Deutsch elevates user experience with a builder’s instinct. Ted Haase sharpens revenue strategy. Joe Marullo keeps execution tight. Matt Jones reinforces the financial core with FP&A rigor. Sue Hardy adds 20 years of retirement industry depth, and Judd Bagley ensures the narrative reaches the right audience. Paul Romm drives advisor and partner enablement with the precision of someone who has lived SMB retirement sales for decades.
Regulatory tailwinds are pushing small businesses toward offering plans, and the market is expected to grow from 600K to more than 1M small 401k plans by 2029. 401GO is built for that wave. It is not selling hype. It is selling a system that finally behaves like it belongs in this century.
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