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

The easy,
affordable
retirement platform
for small business

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

Features
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.

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

Investments

401k plans for small businesses, and all businesses

Learn more about our fees and services.

Core

$49/month

+ $8 per active participant

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

Learn more

Flex

$79/month

+ $8 per active participant

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

Learn more

Max

$129/month

+ $8 per active participant

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

Learn more

Self-employed or own a small family business? See if our SEP IRA is right for you

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
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
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
We partner with Benefit Trust Company to provide custodial services. This includes processing transactions, executing trades and safeguarding plan assets.
Recordkeeping
We serve as your recordkeeper to track your 401(k) plan’s balances, transactions, and deferrals.
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
We prepare annual reports for no extra fee, including Form 5500 and 1099-R.