12 Best Fidelity 401(k) Alternatives & Competitors (2026)

ADP is a full-service payroll and HR provider serving businesses of all sizes with robust compliance tools and global capabilities. It offers deeper enterprise features than Gusto but can feel more complex and expensive for small teams. Many users switch to Gusto for simpler pricing and faster setup while ADP remains stronger for large organizations needing advanced workforce management and dedicated account management.

eToro is a multi-asset platform popular with LATAM traders for copy-trading and social features. It offers commission-free US stocks and a much larger crypto universe than Hapi. Unlike Hapi’s pure brokerage model, eToro uses CFDs for some instruments and may apply spreads or withdrawal fees. It is suitable for beginners who value community tools over strict SIPC custody.

Human Interest delivers a flat-fee 401(k) platform aimed at startups and SMBs with automated administration, 3(16) and 3(38) fiduciary services, and payroll integrations. Its pricing is transparent and competitive with OctaveWealth, though some plans carry slightly higher base fees; it excels in modern employee dashboards but may offer fewer live education sessions.

Human Interest delivers a flat-fee 401(k) platform aimed at startups and SMBs with automated administration, 3(16) and 3(38) fiduciary services, and payroll integrations. Its pricing is transparent and competitive with OctaveWealth, though some plans carry slightly higher base fees; it excels in modern employee dashboards but may offer fewer live education sessions.

eToro is a multi-asset platform popular with LATAM traders for copy-trading and social features. It offers commission-free US stocks and a much larger crypto universe than Hapi. Unlike Hapi’s pure brokerage model, eToro uses CFDs for some instruments and may apply spreads or withdrawal fees. It is suitable for beginners who value community tools over strict SIPC custody.

Betterment for Business provides robo-managed 401(k)s with low-cost index portfolios, automated compliance, and fiduciary oversight. It matches OctaveWealth’s emphasis on low fees and personalized projections yet typically charges a percentage of assets rather than a strict per-employee flat fee, suiting growing companies that prefer AUM pricing.

Interactive Brokers provides direct market access to US equities, options and futures with very low commissions. It supports more than 150 markets worldwide versus Hapi’s US-only focus. The platform is more advanced and requires greater financial sophistication; it does not emphasize crypto trading the way Hapi does.

eToro is a global multi-asset platform popular for copy trading and stocks. Unlike Thndr's Egypt-specific licensing and local funding options, eToro offers broader international markets but may require longer verification for Egyptian users and lacks native Vodafone Cash support.

Trading 212 offers commission-free US stocks and ETFs plus a growing crypto selection. It is known for a clean mobile app and fractional shares similar to Hapi. Availability in LATAM is more limited than Hapi and it lacks 24/5 trading hours.

Vanguard offers low-cost index funds and strong record-keeping for 401(k) plans but often requires more plan sponsor involvement in administration compared with OctaveWealth’s full-service 3(16) and dedicated manager model. Its asset-based fees can exceed OctaveWealth’s flat structure for smaller plans.

Binance is the largest crypto exchange by volume and also offers tokenized US stocks. It gives LATAM users access to hundreds of coins versus Hapi’s 50+. Regulation and custody differ significantly; Binance does not provide SIPC protection for securities.