401k Gold Group Review

Last updated: July 13, 2026 · By White Metal Resources Editorial

What follows is an independent review, not a promotion. Every claim about 401(k) Gold Group here is tied to a live-checked URL. Sources are the company's own public site, the Wayback Machine, the U.S. Securities and Exchange Commission EDGAR system and the Commodity Futures Trading Commission press-release feed. Where the company does not publish a number, the answer here is "not publicly disclosed" so a saver knows what to press on before signing a transfer form.

The “5 percent over cost” pricing wedge and what it does and does not tell you

Most dealers in the sector do not publish the markup on the coins they sell. 401(k) Gold Group does. The homepage, the Gold IRAs page and the Silver IRAs page all carry the same line: "Gold and Silver IRAs at 5% over our cost. Since 2012" (source: 401kgoldgroup.com home, gold-iras and silver-iras pages, checked July 2026).

That is a strong disclosure by industry standards. A saver can walk into the first specialist call already knowing the ceiling on the dealer's take from the metal side of the transaction. That single number sets an anchor for the conversation.

The 5 percent line does not, by itself, price the whole account. It applies to the metals purchase only. It says nothing about the setup fee for the self-directed IRA, the annual custodian fee, the annual depository storage fee, the wire fee on the initial funding transfer or the termination fee on an eventual account closeout.

Read the number this way. On a $100,000 metal purchase, the 5 percent line caps the dealer spread at $5,000. That is the disclosed piece. The undisclosed pieces (custodian, storage, wire, termination) still need a written schedule before the account is priced against a competing dealer.

What 401(k) Gold Group actually sells: a two-metal product shelf

The primary navigation on 401kgoldgroup.com surfaces four product entry points: "Gold Solo 401(k)," "Gold IRAs," "Silver IRAs" and a general "IRAs" page. Every one of those four is built around gold or silver (source: 401kgoldgroup.com main navigation, checked July 2026).

There is no dedicated Platinum IRA page. There is no dedicated Palladium IRA page. Neither metal is named in the site menu, the homepage body or the About Us page. The About Us page lists three specific coin lines under "Eligible Coins": the 1 oz. American Gold Buffalo, the 1 oz. American Silver Eagle and the 1 oz. American Gold Eagle. All three are gold or silver.

That product-shelf choice is meaningful for a saver whose research led them here from a white-metals query. A firm that names its own brand after the 401(k) rollover source is not necessarily built around a diversified four-metal shelf. In this case, the branding is accurate: the shelf is gold-first with silver alongside, and the other two IRS-eligible metals are not offered on the public site.

The chart below is the count in one glance. Public product pages by metal, from the same site navigation, checked July 2026.

How this company handles silver, platinum and palladium IRAs

This section is where a white-metals audience needs the clearest answer, so it is worth spelling out one metal at a time.

Silver

Silver has a dedicated Silver IRAs page in the main navigation of 401kgoldgroup.com. The page uses the same 5 percent over cost pricing frame, the same four-step rollover flow and the same "IRS-approved custodian" and "insured depository" language used for the gold pipeline (source: 401kgoldgroup.com/silver-iras, checked July 2026).

The About Us page names the 1 oz. American Silver Eagle as one of three "Eligible Coins" featured on the site. That is a mainstream IRA-eligible silver coin that meets the 99.9 percent fineness minimum written into 26 U.S.C. Section 408(m) (source: Cornell Legal Information Institute, 26 U.S.C. Section 408).

A saver looking to open a Silver IRA through this firm gets a real product page, a stated pricing model on the metal and a named coin example. What the site does not itemize is the full silver catalog: the exact list of every IRA-eligible silver coin and bar the company will source. Ask for that written list before you fund.

Platinum

There is no dedicated Platinum IRA page on 401kgoldgroup.com as of the July 2026 check. Platinum is not named in the main navigation, is not featured on the About Us "Eligible Coins" list and is not discussed on the homepage. A saver who wants a platinum IRA has to raise the topic on the first specialist call to find out whether the firm will source the metal at all.

The federal minimum fineness for platinum in an IRA is 99.95 percent, per 26 U.S.C. Section 408(m). Any platinum coin or bar the firm might quote would need to clear that bar. The written record on the site does not name a single platinum item at that fineness.

Palladium

Palladium receives the same treatment as platinum on the public site. There is no Palladium IRA page. Palladium is not in the navigation and does not appear on the "Eligible Coins" list. It is not mentioned in the site body copy on the home, About Us, Contact Us, Gold IRAs, Silver IRAs or Gold-Backed Solo 401(k) pages.

A palladium buyer should treat the absence as informative on its own. If the site does not stock or market either of the two white metals beyond silver, the palladium option is not the firm's product-market fit. Palladium IRA catalogs are thin across the entire dealer sector, so this gap is not unique to 401(k) Gold Group. It is still a gap.

For deeper background on how each white metal behaves inside a retirement account, our silver IRA guide, platinum IRA guide and palladium IRA guide walk through the federal rules and product-line questions.

The Beverly Hills mailing address and what the public site shares about the company

The Contact Us page publishes a Beverly Hills mailing address: 9107 Wilshire Blvd, Suite 450, Beverly Hills, CA 90210 (source: 401kgoldgroup.com/contact-us, checked July 2026). The same page publishes the toll-free line at (800) 637-7886 and business hours of Monday through Friday, 9 a.m. to 5 p.m., closed weekends and holidays.

Wilshire Boulevard in the 90210 postal code is a stretch of commercial office buildings on the western edge of Beverly Hills. A Suite 450 designation is consistent with a leased executive-office or shared-suite arrangement. Neither the About Us nor the Contact Us page names a specific building tenant or a physical showroom.

Under Legal, the About Us page names the corporate entity as "401(k) Gold Group, Inc." A corporation, not a limited liability company. The footer copyright reads "© 2025. 401(k) Gold Group, Inc. All Rights Reserved" on every page.

What the site does not publish is the identity of a specific officer, president or chief executive officer. There is no About Us team page with named leadership, no biographical block for a founder and no press release naming an executive. Escalation, if needed, routes through the toll-free line and the "info at" contact form, not through a named person on the public record.

The custodian and depository the site does not name

A self-directed precious-metals IRA needs two named counterparties: a non-bank trustee that qualifies as an IRS-approved custodian and a depository facility that qualifies as an IRS-approved storage location. Federal law requires both, per the IRS collectibles issue snapshot.

401(k) Gold Group does not name either counterparty on the public site. The Gold IRAs and Silver IRAs pages say the firm will "coordinate with an IRS-approved custodian to open your self-directed IRA." The Delivery step says the metals are "stored securely in an IRS-approved vault" and are "delivered to an insured depository account in your name" (source: 401kgoldgroup.com/gold-iras and silver-iras pages, checked July 2026).

No custodian brand is named. No depository brand is named. That is a real gap in a sector where the leading dealers publish both partners by name on their FAQ or About pages so a saver can research the counterparty independently before funding.

Ask for both names in writing on the first call. Then run the custodian name through the IRS list of approved non-bank trustees and the depository name against the list of IRS-approved storage facilities used across the sector. If either name is withheld until after the paperwork is signed, treat that as a stop-and-verify moment.

The Gold-Backed Solo 401(k) product line

Most precious-metals dealers stop at the IRA. 401(k) Gold Group also markets a Gold-Backed Solo 401(k), aimed at self-employed savers who want to hold physical metal inside an existing single-participant retirement plan (source: 401kgoldgroup.com/gold-solo-401k, checked July 2026).

The Solo 401(k) page walks through the same four-step flow used for the IRA: consultation call, paperwork, metal purchase at 5 percent over cost and delivery confirmation. The stated timeline is the same 4 to 6 weeks.

Solo 401(k) plans are governed by the same Internal Revenue Code retirement-account rules that apply to other 401(k) plans, plus specific single-participant provisions. Any move from an existing Solo 401(k) into a self-directed vehicle that holds physical metal has to preserve the trustee-to-trustee direct-transfer structure to avoid the tax and penalty consequences that apply to indirect rollovers (source: IRS Publication 590-A).

Two questions to press on with the specialist. Which specific self-directed vehicle receives the funds, and which named custodian holds the paperwork. Both answers are needed before a saver can price the account against a competing quote.

The four-to-six-week rollover timeline and its four steps

The Gold IRAs and Silver IRAs pages each publish the same four-step flow with a stated 4-to-6-week total. Step 1 is the specialist call. Step 2 is the paperwork with the IRS-approved custodian. Step 3 is the metal purchase at 5 percent over the firm's cost, delivered to the insured depository. Step 4 is the delivery confirmation with tracking numbers and ongoing statements (source: 401kgoldgroup.com/gold-iras, checked July 2026).

Four to six weeks is a realistic total for a self-directed IRA rollover in this sector. The main driver of the range is the responsiveness of the losing custodian, which is the existing IRA or 401(k) provider that has to release the funds. That variable is outside any dealer's control.

What the four steps do not spell out is the exact touchpoint sequence during weeks two through five. Ask on the first call how many times a saver signs paperwork, how many confirmations are received before the metal ships and where the account statement first arrives after the depository takes custody.

The published claims 401(k) Gold Group makes on its own homepage

The homepage of 401kgoldgroup.com carries a set of numeric claims that a saver may weigh in the picture. Every one of these lines is self-reported by the company, not an independent audit.

• "15,000+ Clients Trust Us Since 2012." The client-count figure appears on the home, Gold IRAs, Silver IRAs and Gold-Backed Solo 401(k) pages. It is a marketing headline number, not a figure with a public audit trail (source: 401kgoldgroup.com home, checked July 2026).
• "Flat 5% over our cost. No hidden spreads, no 'premium coin' games." This is a positioning line against competitors that steer buyers toward higher-margin numismatic coins. It is meaningful because it commits, in writing, to a specific ceiling on the metal spread. It does not commit to a ceiling on custodian or storage fees, since those are not the dealer's line to set.
• "Always priced below big online dealers." The homepage claims lower delivered pricing on the same metal than "major retail sites like APMEX." That is a testable claim on any given day for any given coin, on a fair comparison basis.
• "No salespeople, no pressure. We don't run call centers, we don't push scripts, and we don't chase you with endless callbacks." This is a sales-model positioning line. It sets a specific expectation about the follow-up experience, which is easy to check on the second and third calls after the first consult.
• "No celebrities, influencers, or politicians." The homepage explicitly disavows the endorsement model used elsewhere in the sector. A saver can verify by looking for any current spokesperson listing on the site (there is none in the July 2026 capture).

Treat the numeric self-reported claims (15,000-plus clients, always priced below APMEX) the way a careful researcher treats any un-audited marketing figure. They set the tone, but they do not replace a written quote priced against a written competing quote.

Federal record: what SEC EDGAR and the CFTC feed return

Two federal record checks set expectations for a physical precious-metals dealer.

SEC EDGAR

A live full-text search of the U.S. Securities and Exchange Commission EDGAR system for "401(k) Gold Group" returned zero filings across the entire 2010 through July 2026 window (source: SEC EDGAR full-text search, checked July 2026). That absence is expected. Coin and bar sales for cash or into a self-directed IRA are not securities transactions, so the SEC does not have direct primary authority over a physical bullion dealer.

CFTC

A live search of the Commodity Futures Trading Commission press-release feed returned no publicly indexed enforcement action against 401(k) Gold Group as of July 2026. A public enforcement action against a physical precious-metals dealer would typically surface on the CFTC press-release page under its consumer-protection or anti-fraud banner. Verify at cftc.gov for the most current state.

Both absences are meaningful and limited. They mean there is no publicly indexed federal securities filing or federal commodities enforcement action tied to the company at the time of this review. They do not certify that the company has never been the subject of a private customer complaint, a state consumer-protection action or an internal dispute. The Better Business Bureau page for the company should be part of any due-diligence check alongside these federal record searches.

401(k) Gold Group at a glance

The table below is a factual snapshot of what the company publishes on its own site, checked in July 2026. It does not name a winner. Treat it as a checklist for the first specialist call.

Sources: 401kgoldgroup.com home, About Us, Contact Us, Gold IRAs, Silver IRAs and Gold-Backed Solo 401(k) pages, live checked July 2026; Wayback Machine CDX index for the domain; SEC EDGAR full-text search; CFTC press-release feed. Federal rules apply per 26 U.S.C. Section 408 and IRS Publications 590-A and 590-B.

Running the “5 percent over cost” quote through a fee-drag calculator

401(k) Gold Group publishes only the metals markup. The annual custodian and storage figures are not on the site. The honest way to price the account is to gather the missing lines on the first call, then run the full schedule through the calculator below. Any written quote turns into a ten-year dollar figure in a few seconds.

How to open a precious-metals IRA with 401(k) Gold Group

The mechanics below follow the standard self-directed IRA process used by every compliant precious-metals dealer. The federal rulebook is the same regardless of which firm a saver picks, and 401(k) Gold Group's route sits inside that same seven-step frame.

1. Book the consultation. Call 401(k) Gold Group at (800) 637-7886 or complete the website form. Ask the specialist to email a written fee schedule before you agree to open the account.
2. Confirm your funding source is eligible to move. Traditional IRAs, Roth IRAs, SEP and SIMPLE IRAs, 401(k) plans from former employers, 403(b) plans, 457(b) plans and Thrift Savings Plan balances can typically move to a self-directed IRA (source: IRS Publication 590-A).
3. Request every fee line and the custodian and depository names on paper. Get the setup fee, annual custodian fee, annual storage fee (segregated and non-segregated), wire fee, termination fee, the 5 percent metals markup wording on the specific coins recommended, plus the name of the IRS-approved custodian and the depository facility. All on a signed schedule, not a verbal quote.
4. Open the self-directed IRA with the named custodian. Once the custodian brand is disclosed, verify it against the IRS non-bank trustee list before signing account paperwork. The custodian, not the dealer, holds legal title to the metal inside the IRA.
5. Fund with a direct transfer or a direct rollover. A trustee-to-trustee direct transfer moves the money custodian to custodian and sidesteps both the 60-day deadline and the 20 percent mandatory withholding that apply to indirect rollovers from a qualified plan.
6. Choose IRS-approved metals at the federal fineness levels. Gold at 99.5 percent, silver at 99.9 percent, platinum at 99.95 percent and palladium at 99.95 percent per 26 U.S.C. Section 408(m). The public 401(k) Gold Group shelf covers gold and silver only, so this step is a gold-or-silver choice with the firm.
7. Have the depository take physical custody. The metal must sit with an IRS-approved depository under the custodian's title, not at your home. Home storage of IRA metal is not allowed under federal law (source: IRS collectibles issue snapshot).

Pros and cons from the public record

Who this dealer fits, and who it does not

401(k) Gold Group tends to fit a saver whose target metals are gold, silver or both. It fits a saver who values a written ceiling on the metals-side spread and is willing to gather the missing custodian, storage and setup lines on the first call. It also fits a self-employed saver considering a Gold-Backed Solo 401(k), where the firm has a specific product route.

It tends not to fit three types of saver. A saver whose retirement plan calls for a platinum or palladium allocation, since the public product shelf does not cover either metal. A saver who needs the custodian and depository names public before making contact, since the site names neither. A saver who wants the full annual-fee schedule visible on the site before booking a call.

Neither list is a verdict on the firm's quality. Both are a match between what 401(k) Gold Group actually publishes and what different savers need from a dealer. If your priorities push toward a broader white-metals shelf or a fully published schedule, our precious-metals IRA companies roster is the place to compare side by side. Our dealer picking framework lays out the criteria in the order that matters.

When a precious-metals IRA is the wrong move

An honest review has to name the cases where any precious-metals IRA is the wrong choice, not just where a specific dealer is not the right fit. If any of the following describes your situation, slow down and speak with a licensed advisor before comparing dealers.

• You may need the money within the next few years. Gold and silver prices can move sharply over short horizons, and selling means crossing the dealer spread a second time. Before age 59.5, a distribution without a qualifying exception carries a 10 percent federal additional tax on top of ordinary income tax (source: IRS Publication 590-B).
• Your total retirement balance is small. Fixed annual custodian and storage fees, plus the dealer spread, punish small balances the hardest. The same fixed dollar cost is a much larger percentage on a $20,000 account than on a $200,000 account. The fee-drag calculator above is where this matters most.
• You have no broader retirement savings yet. A physical-metal IRA is a supplement to a diversified plan for the next generation of your family, not a stand-alone strategy. A single-asset bet leaves too much of your retirement exposed to one price series.
• You are chasing a guaranteed return. No dealer, no custodian and no depository can predict where metal prices go. A pitch that promises a specific target price or a guaranteed gain fits the pattern federal consumer-protection regulators have acted on in the past.

401(k) Gold Group questions, answered

Is 401(k) Gold Group a legitimate company?

401(k) Gold Group is an operating precious-metals dealer with a live public website at 401kgoldgroup.com. It registers as 401(k) Gold Group, Inc. per the site footer copyright and About Us page. It publishes a Beverly Hills mailing address, a toll-free line and posted business hours on the Contact Us page.

An SEC EDGAR full-text search returned zero filings, which is expected for a physical dealer, and a live CFTC press-release search found no publicly indexed enforcement action against the company as of July 2026. Whether the account is the right fit for a saver's situation is a separate question, one for a licensed advisor and a full written quote.

How long has 401(k) Gold Group been in business?

The company's own homepage carries a "Since 2012" tagline. The first Wayback Machine snapshot of the 401kgoldgroup.com domain is dated January 26, 2013. That capture is consistent with a 2012 build-out that first hit the public web in early 2013 (source: web.archive.org CDX for 401kgoldgroup.com, checked July 2026).

Does 401(k) Gold Group offer a Silver IRA?

Yes. Silver IRAs has a dedicated page in the main navigation of 401kgoldgroup.com. The About Us page names the 1 oz. American Silver Eagle among three "Eligible Coins" featured on the site. The 5 percent over cost pricing model, the 4-to-6-week rollover timeline and the "IRS-approved custodian" and "insured depository" language apply to the Silver IRA route the same way they apply to the Gold IRA route.

Does 401(k) Gold Group offer a Platinum IRA?

Not in the public product shelf. There is no dedicated Platinum IRA page in the site navigation, no platinum coin on the "Eligible Coins" featured list and no platinum mention in the About Us or Contact Us page body copy as of July 2026. A saver who wants platinum inside an IRA has to ask whether the firm can source the metal at all on the first specialist call.

Does 401(k) Gold Group offer a Palladium IRA?

Not in the public product shelf. Palladium is not in the site navigation, is not on the "Eligible Coins" featured list and is not mentioned in the site body copy captured on any of the public pages. Palladium IRA catalogs are thin across the entire dealer sector, so the gap here is not unique. It is still a gap for a saver whose plan requires the metal.

What fees does 401(k) Gold Group charge?

The metals-side pricing is a flat 5 percent over the firm's own cost on IRS-approved coins, disclosed on the homepage, the Gold IRAs page and the Silver IRAs page. Every other line (setup fee, annual custodian fee, annual storage fee, wire fee, termination fee) is not published on the public site as of July 2026. Request the full schedule in writing before funding.

What is the minimum investment for a 401(k) Gold Group IRA?

The public site does not publish a dollar minimum. The site-wide disclaimer only reads "A minimum purchase applies." A saver has to call the toll-free line at (800) 637-7886 to learn the specific figure and whether it varies by rollover source (Traditional versus Roth) or by product route (IRA versus Solo 401(k)).

Where does 401(k) Gold Group store IRA metals?

The public site says only that IRA metals sit in an "IRS-approved vault" and are "delivered to an insured depository account in your name." The name of the specific depository is not published on any product page as of July 2026. Federal law requires the metal to sit with an IRS-approved trustee, not at home. Ask the specialist for the depository brand, its city and its insurance underwriter before you fund.

Who is the custodian for a 401(k) Gold Group IRA?

The public site says the firm will "coordinate with an IRS-approved custodian." The custodian brand is not named on any product page as of July 2026. Ask the specialist for the specific non-bank trustee that will hold legal title to the metal, and check it against the IRS list of approved non-bank trustees before signing account paperwork.

Does 401(k) Gold Group have any SEC filings?

A full-text search of the U.S. Securities and Exchange Commission EDGAR system returned zero filings for "401(k) Gold Group" across 2010 through July 2026. That is normal for a physical precious-metals dealer. The coin and bar business is regulated primarily by state consumer-protection law and by the Federal Trade Commission, not by the SEC. The absence of SEC filings is not a red flag on its own.

Is there a CFTC enforcement action against 401(k) Gold Group?

A live search of the Commodity Futures Trading Commission press-release feed returned no publicly indexed enforcement action against 401(k) Gold Group as of July 2026. Verify at cftc.gov for any new action posted after the review date.

What is the Gold-Backed Solo 401(k) product?

A Gold-Backed Solo 401(k) is a self-employed retirement plan structured to hold physical gold or silver through a self-directed vehicle. 401(k) Gold Group markets this route on a dedicated page (401kgoldgroup.com/gold-solo-401k). The stated onboarding flow uses the same four steps and the same 4-to-6-week timeline as its IRA product.

Solo 401(k) plans are governed by IRS 401(k) rules plus specific single-participant provisions. A saver rolling from an existing Solo 401(k) into this vehicle needs a trustee-to-trustee direct transfer. That path avoids the tax and penalty consequences that apply to indirect rollovers.