Meet the state retirement mandate with an affordable, powerful retirement plan.
Leave your email or give us a call to get started (888) 228-3491
Get a small business 401(k) that gives you more
With a Guideline 401(k), you have more options. Employer matching, profit sharing, vesting schedules, eligibility requirements—you can add these features to fit your business and create a stronger retirement benefit.
With a 401(k), your employees can contribute more than they could with an IRA. With a Guideline account, they’ll get access to low-cost investments and zero transaction fees.
We can connect with top payroll providers to automate plan administration and employee onboarding—so you can add a popular work benefit without all the added paperwork. We also take care of investments, government filings, and more.
We provide 40+ investment options and professionally managed portfolios. We also provide educational webinars, portfolio recommendations, and live support—so your employees can start saving with confidence.
The CalSavers Retirement Savings Program was created to encourage more people to save for retirement. It requires employers with 5 or more California-based employees to provide access to a retirement plan.
As an employer, you can choose the type of plan you’d like to offer: the state-sponsored plan or a qualified CalSavers alternative, like a Guideline 401(k).
Now is the time to start a retirement plan, meet the mandate and avoid potential penalties.
June 30, 2022
Retirement plan type
Professionally managed portfolios
Annual employee account fee
($8 for every $10,000)
($80 for every $10,000)
Monthly employer fee
Starting at $49/month + $8 per active participant
Maximum employee contributions for 2023
If you’re starting a new 401(k), your small business 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.
Invest in your business and your people.
6am - 4pm PT, Mon - Fri
Employers are required to offer a retirement savings plan if they have 5 or more California-based employees, and if at least one of those employees is 18 or older. The plan can either be a private plan like a 401(k) or the state administered plan, CalSavers.
The final deadline for most businesses was June 30, 2022. (Businesses that become newly eligible for CalSavers in 2022 have a Dec. 31, 2022 deadline.) Employers with 5 or more California-based employees are required to provide access to a retirement plan. If you missed the deadline, go to the CalSavers site for more information.
Employers with 5 or more California-based employees, with at least one of whom is age 18.
Yes. Guideline's 401(k) plans are designed and priced with small businesses in mind. Starting a Guideline 401(k) satisfies the California retirement mandate.
Yes you do. But as a newly eligible business, you have until December 31, 2023, to sign up for CalSavers or offer a qualified retirement plan.