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Guideline low-cost 401(k) plans for small businesses

The easy,
retirement platform
for small business

Guideline low-cost 401(k) plans for small businesses

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Creating a roadmap
to retirement

We’ve made it our mission to help everyone arrive at a safe, secure retirement, whether you’re a small business owner, an employee, or self-employed. Our platform takes complexity and doubt out of retirement planning and replaces it with knowledge and clarity—so you can invest in your financial future with confidence.

The new rules of retirement savings:
Simple. Seamless. Smart.

  • Simple plan management

    Simple plan management

    We handle plan administration, employee onboarding, government filings, and more. So you can offer a work benefit without all the added paperwork.

  • Seamless payroll integration

    Seamless payroll integration

    With API payroll integration, we can securely sync employee data, track 401(k) eligibility, and process deductions—saving you time and hassle each pay run.

  • Smart investing

    Smart investing

    Our investment portfolios rebalance automatically to help you stay on track for retirement.

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401k plans for small businesses, and all businesses

Learn more about our fees and services.



+ $8 per active participant

A seamless Safe Harbor 401(k) plan for small businesses that want to make an employer contribution.



+ $8 per active participant

A 401(k) for businesses that want the flexibility to pick and choose features to meet their goals.



+ $8 per active participant

Our most customizable 401(k) for business owners who want to maximize savings and receive dedicated support.

Save even more with tax credits

If you’re starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.

Estimate your costs

We handle the nitty gritty.
You just get a great plan.

  • Investment management

    Investment management

    We offer 40+ index funds from Vanguard and other low-cost providers. Our managed portfolios have blended average fund fees under 0.07%.

  •  Compliance testing

    Compliance testing

    We perform nondiscrimination testing to help identify potential issues and manage required corrections. We also offer Safe Harbor plans that automatically satisfy most IRS nondiscrimination tests. Learn More

  • Custodial services

    Custodial services

    We partner with Benefit Trust Company to provide custodial services. This includes processing transactions, executing trades and safeguarding plan assets.

  • Record keeping


    We serve as your recordkeeper to track your 401(k) plan’s balances, transactions, and deferrals.

  • Fiduciary services

    Fiduciary services

    We serve as your ERISA 3(16) and 3(38) plan fiduciary for eligible plans, which means we are legally (and morally) obligated to work in a participant’s best interest. Learn More

  • Government filing

    Government filing

    We prepare annual reports for no extra fee, including Form 5500 and 1099-R.

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