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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles 401GO the way a machine reads it — 27 machine-readable artifacts across 10 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — 401GO scores 46.1/100 (developing), with a separate agent-readiness read of 54/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-08-17 · rubric v0.11.0
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</a>[](https://providers.apievangelist.com/providers/401go/)<!-- Kin Score · API Evangelist -->
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title="401GO on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/401go/card.svg"
alt="401GO Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile 401GO
Each block below is one kind of artifact we hold for 401GO. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 10
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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 within the panel for all 10 ·
Open Collections 12
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTION401GO Affiliates & Firms API
OPEN COLLECTION401GO Beneficiaries API
OPEN COLLECTION401GO Companies & Plans API
OPEN COLLECTION401GO Contributions & Payroll API
OPEN COLLECTION401GO Documents API
OPEN COLLECTION401GO Investments & Portfolios API
OPEN COLLECTION401GO Money Movement API
OPEN COLLECTION401GO Notifications API
OPEN COLLECTION401GO APIs
OPEN COLLECTION401GO Participants API
OPEN COLLECTION401GO Retirement Planning API
OPEN COLLECTIONScroll within the panel for all 12 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
401go-mcp.yml
MCP SERVERSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for 401GO — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 5
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/401go · machine-readable index on apis.io
This is an independent, third-party profile of 401GO, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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