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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Let us handle the heavy lifting

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

With Guideline

Plan design features

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

Traditional 401(k) & Roth 401(k)
Choose from both pre-tax and Roth options.
Profit sharing
Set up the option to make discretionary year-end contributions to your employees’ 401(k) accounts. It’s a tax-deferred bonus.
Safe Harbor
Our Safe Harbor plans help you and your employees save more and automatically satisfy most IRS nondiscrimination tests.
Matching options
Give your employees more incentive to participate in your 401(k).

Dashboard Guide | See Everything in One Place

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.

See all investment options

Managed portfolios
We help employees assess their risk tolerance, then recommend a portfolio of funds that matches their goals.
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
Provide your company information, payroll provider, and design your 401(k) plan.
Onboarding
We’ll onboard your employees and give them time to set-up their account.
Cruise control
We take it from here! We help you stay compliant, manage plan investments, and help you and your team save.