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Guideline logo

401(K)

The 401(k) plan you and your employees deserve.

A modern 401(k) built for startups and small businesses.

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modern 401(k)

Let us handle the heavy lifting

We do the administration, compliance, and
recordkeeping to make your job easy.

Plan design features

We’ll help you design a plan that fits your needs.

  • Overlapping squares

    Traditional 401(k) & Roth 401(k)

    Choose from both pre-tax and Roth options.

  • Saving

    Profit sharing

    Set up the option to make discretionary year-end contributions to your employees’ 401(k) accounts. It’s a tax-deferred bonus.

  • Investment Security

    Safe Harbor

    Our Safe Harbor plans help you and your employees save more and automatically satisfy most IRS nondiscrimination tests.

  • Venn

    Matching options

    Give your employees more incentive to participate in your 401(k).

Dashboard Guide | See Everything in One Place
dashboardUpdate your contributionRollover your old 401(k)Recommended PortfolioGuideline Support

You’ll love your new dashboard

Our product makes managing your 401(k) easy - for you and your employees

  • Check your balance, contribution rate, recent activity, and important notifications - all in one place.

Cost for employers

Get the 401(k) pricing plan that works for you

core

$49/month

+ $8 per active participant

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


Payroll integration with Gusto, QuickBooks Online, and 15+ other providers.

Automated recordkeeping, plan admin, and employee onboarding.

We serve as your 3(38) and 3(16) fiduciary and handle certain IRS and DOL reporting and filings.

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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.


Everything in our Core plan, plus:

Flexibility to open a Safe Harbor 401(k) plan or traditional 401(k) plan.

Add features like profit sharing and vesting schedules.

We conduct additional IRS nondiscrimination testing for traditional plans.

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max

$129/month

+ $8 per active participant

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


Everything in our Flex plan, plus:

Custom features like new comparability profit sharing.

Dedicated onboarding specialist and Client Relationship Manager.

Support for controlled group plans.

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Learn more about our fees and services.

Does your business currently have a 401(k)?

All existing 401(k) plan transfers must open a Max plan and maintain it for at least one year.

Intelligent investment options

We offer a diverse range of investment choices that keep
investment fees to an industry low.

  • Pie Chart

    Managed portfolios

    We help employees assess their risk tolerance, then recommend a portfolio of funds that matches their goals.

  • Document

    Funds

    Employees also have the option of choosing from over 40 index funds from Vanguard and other low-cost providers.

How to get started

We’ll help you through every step of the process, and
you’ll end up with a plan for you, and
your employees.

  • Sign up & plan design

    Sign up & plan design

    Provide your company information, payroll provider, and design your 401(k) plan.

  • Sign up & plan design

    Onboarding

    We’ll onboard your employees and give them time to set-up their account.

  • Autopilot

    Cruise control

    We take it from here! We help you stay compliant, manage plan investments, and help you and your team save.

Sponsor Count
30,000+
companies trust Guideline to manage their 401(k)
84%

Customer satisfaction score

Join 30,000+ companies that have chosen to save with Guideline

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