Everything franchises need to know about state retirement mandates
As of June 2024, 20 states have active state-run retirement programs. Businesses with employees in multiple states may need to ensure compliance for each state they operate in. Our guide covers each state program’s status, requirements, and deadlines, as well as alternatives.1
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    Flexible pricing

    One base fee can cover all of your businesses2 — plus, you won’t pay extra for plan setup, plan transfers, or 5500 prep.3
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    Easy setup & admin

    Single signature to set up multiple entities.4 Plus, integrations that automate day-to-day updates and help reduce administrative work.
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Tina F.Smith Trucking
We’ve grown 300% across 3 different businesses. Our Guideline 401(k) is a perfect fit for all of them.Client of Guideline. Views may not be representative of other clients.

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  • up to 7x less fees less in fees
    Up to 6x lower fees than the industry average5
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  • .15%
    As low as 0.15% account fee5

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Guideline partners with popular payroll providers to build direct, two-way integrations that automatically sync payroll and employee data. No manual 401(k) contribution updates or eligibility tracking required.
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  • 1
    This information is general in nature and is for informational purposes only. It shouldn’t be used as a substitute for specific tax, legal and/or financial advice that considers all relevant facts and circumstances. Investing involves risk and investments may lose value. Tax laws and regulations are complex and subject to change. You should consult a qualified financial adviser or tax professional before relying on this information.
  • 2

    We require all plan sponsors transferring an existing 401(k) to Guideline to set up and maintain an Enterprise plan for at least one year. After one year, the plan will be eligible to switch to a different pricing plan. We require all legally related groups to be in our Enterprise or Starter tiers. See Guideline’s Pricing Page or Form ADV 2A Brochure for more information on pricing and fees.

  • 3
    Third-party auditor fees will apply to large plans where an audit is required. These fees are not charged by Guideline.
  • 4

    Available for eligible legally related groups that have a single trustee w/ sole signing authority & are not a conversion plan. Learn More

  • 5
    This information is provided for illustrative purposes only, and is not intended to be taken as investment or tax advice. Consult a qualified tax and financial advisor to determine the appropriate investment strategy for you. The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.37% of assets, according to the 24th Edition of the 401k Averages Book, with data updated through September 30, 2023, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges. Guideline’s managed portfolios have blended expense ratios ranging from 0.067% to 0.069% of assets under management. When combined with an assumed account fee of 0.15%, the estimated total AUM fees for one of Guideline’s managed portfolios can be under 0.22%. Alternative account fee pricing is available ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup.
  • 6
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2023 to 12/31/2023.
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