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All plans of related entities must be administered by Guideline in order to provide compliance testing.

Compliance testing

 We require all plan sponsors [transferring an existing 401(k)](https://www.guideline.com/401k/401k-conversions) 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](https://www.guideline.com/pricing) or [Form ADV 2A Brochure](https://adviserinfo.sec.gov/firm/summary/281515) for more information on pricing and fees. 


Conversions and LRGs - 8/25/23

Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Custodial services

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 1.60% of assets, according to the 23rd Edition of the 401k Averages Book, with data updated through September 30, 2022, 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 0.064% to 0.067% of assets under management. When combined with an assumed account fee of 0.08%.), the estimated total AUM fees for one of Guideline’s managed portfolios can be under 0.15%. Alternative account fee pricing is available ranging from 0.08% to 0.35%. See our [Form ADV 2A Brochure](https://adviserinfo.sec.gov/firm/summary/281515) 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](https://www.guideline.com/funds).

Fee information 4/24/23

This information is provided for illustrative purposes only, and is not intended to be taken as investment or tax advice. Investing involves risk, and investment may lose value. 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 1.60% of assets, according to the 23rd Edition of the 401k Averages Book, with data updated through September 30, 2022, 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 0.064% to 0.067% 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](/funds).

Tax advice

Strengthen your benefits program — offer a people-first 401(k) that can have up to 7x lower fees.

The scalable 401(k) for midsize businesses

<a href="https://www.forbes.com/sites/jonathanponciano/2022/06/07/the-future-of-investing-fintech-50-2022/?sh=5420a1f52317" target="_blank" rel="noopener noreferrer">Forbes 2022</a>

The trusted 401(k) for midsize businesses

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

Easy setup

Get end-to-end management—from serving as your 3(38) fiduciary to ongoing compliance testing.

All-in-one experience

We connect with top payroll providers to automate deductions and simplify plan admin.

Payroll integrations

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

Holistic HR view

An impactful benefit that’s a breeze to manage

With an intuitive dashboard and mobile app, it’s easy for your team to set up their account, track their progress, and access resources — anytime, anywhere.

Give your team the reins

With a Guideline 401(k), people can help keep more of their money where it matters—in their retirement account.

Help people save more with lower fees

/pricing

Up to **7x** lower fees than the industry average

As low as **0.15%** account fee

Have multiple businesses? With Guideline, you can pay one base fee for all of them.

With full payroll integration, there’s no need to maintain deductions or manually re-enter data—saving you time and hassle.

The trusted 401(k) for midsize businesses

An impactful benefit that’s a breeze to manage

Easy setup

All-in-one experience

Payroll integrations

Holistic HR view

Give your team the reins

Help people save more with lower fees

Simplify your admin

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