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.

Switch to Gusto
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

Guideline is now Gusto 401(k)

Because having your payroll and benefits under one roof can mean more time to focus on what’s important.
  • Payroll & 401(k) in perfect sync
  • Low, transparent fees
  • Easy employee onboarding
Gusto 401(k) plan sponsor dashboard with Gusto payroll

One login. One great experience.

With your payroll and 401(k) benefits together, 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
Quick switch. Big benefits.
  • Rocketship

    Switching, streamlined

    Get help every step of the way when you switch from your old provider. We’ll even take care of the team invites after setup.
  • Hand holding money

    Tax credits, simplified

    We auto-generate your tax forms, making it easy to claim tax credits.9 No spreadsheets or separate vendors necessary.
  • Group love

    Support, on standby

    Our 92% customer satisfaction rating is no accident.10 Enjoy English and Spanish phone or email support—for you and your team.
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.11

Start the switch

“I enter hours into Gusto, submit payroll, and Guideline takes it from there. I love it.”

Brandy L Customer Profile
Brandy L., Cashiers Valley Pharmacy
10+ employees
Co-owner
Guideline is now Gusto 401(k). Current client. No compensation was provided. Views may not be representative of other clients.
  • 1

    Fees included in this promotion are the monthly base fee charged to the 401(k) plan sponsor and the monthly active participant fee. Other employer-paid service fees are not included in this promotion. Participant-paid fees are not included in this promotion and will still apply. See here for more information regarding fees. This offer ends 3/31/26 and can’t be combined with other offers. Flexible pricing opportunities may affect this promotion. Contact Sales at hello@guideline.com for further details. We reserve the right to modify or discontinue this promotion at any time without prior notice. We require all plan sponsors transferring an existing 401(k) to Gusto 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.

  • 2
    Business.com “Gusto (previously known as Guideline RK, LLC) 401k Review and Pricing” February 26, 2025. Review criteria provided here.
  • 3
    Based on Gusto internal analytics as of January 2026
  • 4
    Total number of Savers, both active and non-active, that have participated in Gusto 401(k) products from 2016-2025
  • 5
    Based on internal analytics as of October 2025.
  • 6
    See here for more information regarding Gusto's fees.
  • 7
    Investment advisory services for Gusto’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. An assumed annual account fee of 0.25% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate based on the account balance on the last day of each month. See Form ADV 2A Brochure for more information regarding these fees.
  • 8
    Diversification does not ensure a profit or guarantee against loss. Investment advisory services for Gusto’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA  products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information see the ADV 2A Brochure. Investing involves risk and investments may lose value, including loss of principal. View full fund lineup.
  • 9
    Tax credit services provided by Gusto. Guideline LLC is wholly owned by Gusto, Inc. Please contact a financial, tax, and/or legal advisor to determine if their applications and products are appropriate for your specific circumstance.
  • 10
    Average customer satisfaction score (CSAT) for Gusto Retirement based on feedback received from 1/1/2025 to 12/31/2025
  • 11
    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category in June 2024. Fee paid for application. Gusto payroll capabilities were not part of the application for this app.
  • * App store rating as of November 2025 based on all customer ratings submitted on the Apple App Store. Current rating can be found on the Apple App Store and Google Play Store. Apple App Store rating is a cumulative average of all user ratings for this app in this region. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Guideline client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store. Apple and the Apple logo are trademarks of Apple, Inc. Google Play and the Google Play logo are trademarks of Google, LLC.

This website contains content from Guideline, LLC and its subsidiaries, each a separate entity with different regulatory marketing requirements and standards. References to “our” or “we” on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, LLC’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, LLC nor its affiliates, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, LLC does not guarantee the accuracy and completeness of that information.

Guideline, LLC is a holding company, wholly-owned by Gusto, Inc. (“Gusto”), that through its subsidiaries, it provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC (“Guideline”) and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser (“Guideline Investments”), both of which are wholly owned by Guideline, LLC.

Neither Gusto nor Guideline, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Gusto, nor any of its affiliates, is a bank.

Investment advisory services for Gusto’s 401(k) products (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC (“Guideline Investments”), an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments’, ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments are not FDIC insured.

Administrative and recordkeeping services for Gusto’s 401(k) products, and SEP IRA/IRA products, are offered by Guideline RK, LLC (“Guideline”). 3(16) plan administration services are also offered by Guideline and only made available to clients who use the integration services available through Gusto’s payroll services. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as “image(s)”) are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions. Investing involves risk, including loss of principal.

© 2026 Guideline, LLC All rights reserved

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