Trusted 401(k) built for growing businesses

Elevate your benefits program — offer a people-first 401(k) that can have up to 6x lower employee fees.1

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Your plan is in good hands with Guideline

  • 50K+
    businesses
  • $15B+
    assets under management
  • Fintech 50
    Forbes 2022
Melissa W.Zipline
As a rapidly growing company, we wanted to offer our employees a strong retirement plan. We chose Guideline because we didn't want the overhead, management, or complexity of traditional options.Client of Guideline. Views may not be representative of other clients.

A modern benefit that’s a breeze to manage

  • All in one experience

    All-in-one 401(k)

    We handle recordkeeping, filings, compliance testing, and more.2
  • Hand outsebtretch with two coins floating above it with a USD $ sign. Simple icon.

    Low cost for employees

    Help your team save more with low-cost investments and no transaction fees.
  • Fingers snapping simple icon.

    Payroll integrations

    We connect with top payroll providers to automate deductions and simplify plan admin.
  • Two hands shaking simple icon.

    Dedicated, expert support

    Reliable 401(k) specialists available for your entire team via phone and email.

Make retirement investing easy

With an intuitive dashboard and mobile app, it’s easy for your team to set up their account, adjust their portfolio, and access answers — anytime, anywhere.3
  • Self-serve employee setup
  • Guided investment portfolio
  • Retirement education and live support
Guideline mobile app portfolio screen.
Guideline mobile app portfolio screen.

Help people save more with lower fees

With a Guideline 401(k), people can help keep more of their money where it matters—in their retirement account.
See pricing plan options
  • Up to 6x less in fees
    Up to 6x lower fees than the industry average1
  • $ 0
    Zero transaction fees
  • .15%
    As low as 0.15% account fee1

Automate 401(k) busywork

With full payroll integration, there’s no need to maintain deductions or manually re-enter data—saving you time and hassle.
  • and more
  • and more
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A patient customer support specialist listening attentively to a customer's questions.
  • An experienced customer support specialist providing helpful advice.
  • An empathetic customer support specialist providing personalized support to a customer.
  • A friendly customer support specialist assisting a customer with a smile.
  • A dedicated customer support specialist going above and beyond to assist a client.
  • A patient customer support specialist listening attentively to a customer's questions.
  • An experienced customer support specialist providing helpful advice.
  • An empathetic customer support specialist providing personalized support to a customer.
  • A knowledgeable customer support specialist helping a client with a retirement plan.
  • A courteous customer support specialist providing exceptional service to a client.
  • A helpful customer support specialist assisting a client with a retirement plan enrollment.
  • A professional customer support specialist offering expert guidance on retirement savings.
  • A knowledgeable customer support specialist helping a client with a retirement plan.
  • A courteous customer support specialist providing exceptional service to a client.
  • A helpful customer support specialist assisting a client with a retirement plan enrollment.
  • A professional customer support specialist offering expert guidance on retirement savings.

Live customer support

Get support you can count on — and call

Nearly every update can be self-served online. But if you or your team has questions, our friendly 401(k) specialists are available via phone and email — our annual plan sponsor customer satisfaction score is 93%.4
Help strengthen your benefits program with a Guideline 401(k)
Learn More
  • 1

    This information is provided for illustrative purposes only, and is not intended to be taken as investment or tax advice. Consult a qualified tax and financial advisor to determine the appropriate investment strategy for you. The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.37% of assets, according to the 24th Edition of the 401k Averages Book, with data updated through September 30, 2023, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges. Investment advisory services for Guideline’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. The managed portfolios have blended expense ratios ranging from 0.067% to 0.069% of assets under management. When combined with an assumed account fee of 0.15%, the estimated total AUM fees for one of Guideline’s managed portfolios can be under 0.22%. Alternative account fee pricing is available ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in the Enterprise tier. See the Form ADV 2A Brochure for more information regarding fees. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup.

  • 2
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 3
    Any graphs or charts depicted are illustrative, for educational purposes only, and not intended to be investment advice. Investing involves risk and investments may lose value.
  • 4
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2023 to 12/31/2023.

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, 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, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that 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 ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s 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, LLC. 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, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. 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.

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