Meet Colorado’s retirement mandate with a simple, powerful Guideline 401(k).
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Colorado SecureSavings was established in 2020. It requires Colorado employers with 5+ employees that have been in business for 2+ years to offer the state-sponsored plan or a qualified alternative like a Guideline 401(k). Compare your options
May 15, 2024
Meet the mandate and more with a Guideline 401(k)
Get started in 20 minutes. We’ll help you choose a plan that meets the mandate and your business’s goals.
Integrations with payroll providers means no need to maintain deductions or manually re-enter payroll data.
You and your team get access to live support, guided employee onboarding, a mobile app, and more.
Retirement plan type
Starter 401(k)
Roth IRA
Maximum employee contributions for 2024
$6,000
$7,000
Employee asset-based fee
0.15%
($15 for every $10,000)
0.20%
($20 for every $10,000)
Additional active employee fees
None
$22/year account fee
(charged quarterly at $5.50 each quarter)
Monthly employer fee
$39 / month + $4 per participant
None
Investment options
40
15
(Including Target Date Funds)
Professionally managed portfolios
6
0
Employer match
No
No
Profit sharing
No
No
Keep your business in compliance. Set up a Guideline 401(k) in just 20 minutes.
Starter 401(k) plans do have limitations like lower contribution limits and no employer contributions. If you’d like to set up a plan with more options and flexibility, you may want to consider Core or Enterprise.
Guideline 401(k) reduces my administrative workload, and it's easy to use for me and for my employees.Client of Guideline. Views may not be representative of other clients.
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The Colorado SecureSavings Program was created to encourage more people to save for retirement. It requires Colorado employers with 5 or more employees to provide access to a retirement plan. The plan can either be a private plan like a 401(k) or the state-sponsored plan.
For companies that have been in businesses for at least 2 years and have at least 5 employees, the deadline to register for Colorado SecureSavings or certify exemption with a 401(k) plan is May 15, 2024.
You are eligible to participate in the Colorado SecureSavings Retirement Savings Program if:
Yes. All of Guideline's 401(k) plans are designed to satisfy state program requirements and are priced to be affordable for businesses of all sizes.
While it is possible for a plan to convert from a Starter 401(k) to a standard 401(k) plan at Guideline, the transition cannot take place until the beginning of the next calendar year. Learn more here.