The scalable 401(k) for midsize businesses

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

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The trusted 401(k) for midsize businesses

  • 50K+
    businesses2
  • $15B+
    assets under management3
  • Fintech 50
    Forbes 2022

An impactful benefit that’s a breeze to manage

  • Clock in motion simple icon.

    Easy setup

    Set up a plan in 20 minutes. Your team can self-enroll and access retirement education.
  • All in one experience

    All-in-one experience

    Get end-to-end management4—from serving as your 3(38) fiduciary to ongoing compliance testing.5
  • Help offset your income taxes

    Payroll integrations

    We connect with top payroll providers to automate deductions and simplify plan admin.
  • Desktop with mouse on screen. Simple icon.

    Holistic HR view

    Track participation and contribution rates, compliance status, and plan documents right in your dashboard.

Give your team the reins

With an intuitive dashboard and an award-winning mobile app6, 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

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 our pricing options
  • up to 7x less fees less in fees
    Up to 6x lower fees than the industry average7
  • $ 0
    Zero transaction fees
  • .15%
    As low as 0.15% account fee7
Have multiple businesses? With Guideline, you can pay one base fee for all of them.8
Contact Sales

Simplify your admin

With full payroll integration, there’s no need to maintain deductions or manually re-enter data—saving you time and hassle.
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Get a retirement plan your team will love
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  • 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. Guideline’s 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 our 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
    As of May 2024
  • 3
    As of August 2024
  • 4
    Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.
  • 5
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 6

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 7
    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. Guideline’s 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 Enterprise tier. 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.
  • 8

    We require all plan sponsors transferring an existing 401(k) to Guideline to set up and maintain an Enterprise plan for at least one year. After one year, the plan will be eligible to switch to a different pricing plan. We require all legally related groups to be in our Enterprise or Starter tiers. See Guideline’s Pricing Page or Form ADV 2A Brochure for more information on pricing and fees.

Guideline logo mark displayed in white
Guideline logo displayed in white

Guideline.com is owned and operated by Guideline, Inc. (“Guideline”), an SEC-registered investment adviser. Investment-related content is provided for general information purposes only, and is not intended to be construed as investment advice. Investments involve risk and are not guaranteed.

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