Get a 401(k) that checks all the boxes
Starting a company 401(k) can feel like a lot. Our plans, tools and support can make it a lot easier.
401(k) plans are employer-sponsored retirement plans that benefit everyone: employees, employers, and the business itself.
Both employees and employers can participate in a 401(k) and can generally contribute up to $22,500 in 2023 ($30,000 if 50+).
Employer contributions are tax-deductible so you can reduce your tax liability. You may also be able to deduct plan administration expenses.
A retirement plan is a popular workplace benefit. They can reduce turnover, increase engagement and show your commitment to everyone’s financial wellness.
You can set up a Guideline 401(k) in 20 minutes. From there, it’s pretty hands off. We’ll take care of recordkeeping, investments, government filings, and more.
Clients using select payroll providers can get a largely automated 401(k). We can securely sync employee data, track 401(k) eligibility, and process deductions. Learn more
Our professionally managed investment portfolios are diversified with low-cost funds. Their estimated total cost can be under 0.15%.
Our 401(k) plans include the features and services needed to offer a great benefit right out of the box.
/ month per active participant
Core plans must be connected with one of our full integration payroll partners.
If you’re starting a new 401(k), your company may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.
With an intuitive dashboard and mobile app, it’s easy for your team to set up their account, track their progress and access resources— anytime, anywhere.
Easy account setup, via web or mobile app
Recommended investment portfolio
Retirement education and live support
Get set up in 20 minutes
We can walk you through the next steps.
The first decision is whether you want a Traditional 401(k) or Safe Harbor plan.
Customize your plan with features like employer matching, eligibility requirements, and more.
You can get a plan up and running in about 40 days.
There is no minimum number of employees required when setting up a 401(k) with Guideline. You can set up a 401(k) with just an owner or for a single employee.
Yes, Guideline works with many different types of businesses and entity structures such as LLCs
401(k) plans are popular because they offer a lot of flexibility in plan design options, integrate with payroll systems, and work as a great hiring tool.
While setting up a Guideline 401(k) only takes about 20 minutes, it generally takes about 40 days until first contributions are made. This is due to the automatic enrollment feature on all Guideline 401(k) plans. Generally, eligible employees cannot be automatically enrolled in your plan until 30 days after they receive notice of the auto-enroll feature. This gives them sufficient time to opt-out before the plan begins.
Auto enrollment is a required feature for all Guideline 401(k) plans. Auto enrollment can help improve IRS nondiscrimination testing results, increase employees’ retirement readiness, and much more. Learn more about auto enrollment
Employers will be charged a base fee of $49, $79, or $129/month depending on their pricing plan, plus $4-$8/month for each active participant in the plan. We don’t charge transaction fees—this includes no plan termination fees or Form 5500 prep fees. See our pricing. Exclusive pricing options are available for Enterprise pricing plans.Contact Sales for details.
With Guideline, you can determine your plan eligibility based on your employees’ age and length of service with your company:
→ Age: 18, 19, 20, or 21 years
→ Length of service: 0, 3, 6, 12 months
We do not distinguish between part time and full time employees.