The way your 401(k) should be

Setting up a Guideline 401(k) can take as little as 9 minutes. But it usually takes about 40 days until first contributions are made. Since all Guideline 401(k) plans come with automatic enrollment, eligible employees can’t be auto-enrolled in your plan until 30 days after they receive a helpful notice of the new benefit. That just gives them enough time to opt out before the plan begins.

Once everything is set up, though, your team will be guided through a seamless onboarding process, while you sit back and relax.

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Our plans start at just $39 a month, plus $4 a month per active employee.¹¹ So there are no sneaky fees for employees who are on your payroll but not contributing to their plan.

If you need more flexibility for pricing and plan design, we’ve got you covered. Book a call with us or head over to our pricing page, and we’ll walk you through our options.

If your state requires employers to offer a retirement plan, you might. See if your state is affected on this page.

If not, then a high-quality 401(k) can still be a crucial benefit for hiring and retaining talent. In fact, 93% of employees say offering a 401(k) influences their decision to choose an employer.¹³ This can be a great opportunity to show your team you’re really invested in their future.

Yup. We work with businesses of any size, whether you're a solopreneur, just hired your first employee, or lead a team of thousands. We’re built to grow with you every step of the way.