Special offer: Switch to Gusto 401(k), pay $0 base fees for 12 months1

Combine a Gusto 401(k) with Gusto payroll for a truly seamless experience.

Dashboard for plan participants
Gusto and Guideline logos with a handshake icon.
Star rating icon Top 401(k) for small businesses2
Shield with tick icon 40k+ businesses rely on us3
User icon 700k+ savers4
Currency dollar with circle icon $10B invested for retirement3

401(k) and payroll belong together

Guideline is now Gusto 401(k), bringing payroll and benefits under one roof so you can focus on what’s important.
  • Payroll & 401(k) in perfect sync
  • One login, one great experience
  • Easy employee onboarding
Gusto 401(k) plan sponsor dashboard with Gusto payroll

All-in-one payroll and 401(k)

With your payroll and 401(k) benefits under one roof, you can rest easy knowing everything is in sync and up to date.

zap fast icon Automated deductions and contributions
Bank note icon Pain-free payroll runs
Heart check icon Over 99% data accuracy5
Start the switch
Switch for fair, transparent pricing
  • Rocketship

    No forced upgrades

    Every plan gets our full suite of compliance tools. We don’t require plan tier upgrades for these essential features.
  • Hand holding a coin

    Low asset-based fees

    We don’t charge your team a recordkeeping fee on their 401(k) savings, helping them make the most of every dollar.
  • Group love

    Only pay for what you use

    With a Gusto 401(k) you only pay for employees who actively use your 401(k). No unnecessary fees here.
Guideline mobile app, rated 4.9 stars out of 5 on the Apple App Store

This 401(k) is going places

Our award-winning Guideline mobile app lets your team set up contributions, manage their plans, and access educational resources— right from their phones.9

That’s one big benefit your team won’t get with a Human Interest 401(k) plan.

Start the switch

“Guideline is self-serve for my team. They get a mobile app and great customer support, so I'm not on the hook for questions.”

Profile photo of Rich H.
Rich H., Pallas Care
10+ employees
Co-founder
Guideline is now Gusto 401(k). Current client. No compensation was provided. Views may not be representative of other clients.