Guideline and Gusto logo side by side

Special offer: Get 12 months free1

93% of employees say offering 401(k) influences their decision to choose an employer.2 Offer one today and get 12 months free.1

See our Privacy Policy to learn how we use and protect your information.

Special offer: Get 12 months free1

93% of employees say offering 401(k) influences their decision to choose an employer.2 Offer one today and get 12 months free.1

See our Privacy Policy to learn how we use and protect your information.

50K+

businesses3

1M+

savers4

$15B+

invested for retirement5

fast company logo

Innovation by Design Award 20246

$0 is a great place to start

Enjoy no employer fees for the first 12 months.1 After that, you’ll get a powerful 401(k) at industry-low pricing.

  • Starter
    New offer
    $39
    $0
    / month
    +$4/mo per active participant
    $0

    A simplified 401(k) with limited features and easy administration.

    Connect
    • $6,000 employee contribution limit
    • No employer contributions

    • Exempt from IRS testing

  • Core
    New offer
    $89
    $0
    / month
    +$8/mo per active participant
    $0

    Our most popular 401(k) with robust features and more plan design options.

    Connect
    • $23,000 employee contribution limit8
    • Safe Harbor9

      or Traditional 401(k)

    • Features like employer contributions and profit sharing

  • Enterprise
    New offer
    $149
    $0
    / month
    + active participant fee
    $0

    Our most custom 401(k) with premium support and flexible pricing that scales with your business.

    Contact sales
    • $23,000 employee contribution limit8
    • Flexible pricing options

    • Premium support for plan admin and employees

    • Support for plan transfers

Money in shield simple icon

Already have a 401(k)? Switch and get 0% AUM on transferred assets plus 12-months free.7 Schedule a demo

Guideline vs. Human Interest

Learn why 2x as many businesses choose a Guideline 401(k) over a Human Interest 401(k)10

  • Guideline has 4x lower asset fees11

  • Guideline only bills for active, participating employees

  • Guideline provides ongoing compliance testing at no extra charge for all plan tiers

Get started
  • $0 transaction fee

  • $0 rollover fee

  • $0 loan fee

  • $0 distribution fee

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Help employees save more

The total fees for our managed portfolios are up to 6x less than the industry average.12 Learn more

Active employees are only charged an annual account fee starting at 0.15%13 (0.0125%/month).

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Hear what customers have to say about Guideline

Melissa W.

Zipline

"We chose Guideline because we didn't want the overhead, management or complexity of traditional options. Guideline is practically a 1-click setup that integrates with our payroll system and is incredibly easy to manage."



Client of Guideline and Gusto. Views may not be representative of other clients.

Ben C.

The Well Counseling Center

"Guideline consistently provides fast, easy-to-decipher customer support to me and our team."



Client of Guideline and Gusto. Views may not be representative of other clients.

Carol P.

RedKnot Resource Group

"With Guideline, it feels like we've put 401(k) administration on auto-pilot. Guideline 401(k) enables us to give our employees a big benefit without our small business hiring in-house expertise."



Client of Guideline. Views may not be representative of other clients.
Headshot of Jeri A.

Jeri A.

Rose City Philanthropy

"We learned about Guideline through its partnership with Gusto. They're so plugged into Gusto, they make the experience seamless — it was just a no brainer to adopt it."



Client of Guideline and Gusto. Views may not be representative of other clients.
  • 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

Support you can count on — and call

With Guideline, you and your team get support from our 401(k) specialists via phone or email — our annual plan sponsor customer satisfaction score is 93%.14 See our customer support metrics

Invest in your team

With an intuitive dashboard and an award-winning mobile app6, it’s easy for your employees 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.

This information is general in nature and is for informational purposes only. It shouldn’t be used as a substitute for specific tax, legal and/or financial advice that considers all relevant facts and circumstances. Investing involves risk and investments may lose value. Tax laws and regulations are complex and subject to change. You should consult a qualified financial adviser or tax professional before relying on this information.