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Find a 401(k) plan that fits your business

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See why we’re Gusto’s #1 retirement partner
  • Guideline and Gusto integration visual

    Seamless Gusto integration

    Automate your 401(k) experience with direct payroll sync.
  • Abstract check list visual

    Stress-free 401(k) management

    Unlock always-on compliance and automatic tax filings, including Form 55001 and 1099-R.
  • $0

    12 months free with Gusto

    Pay $0 in employer fees your first year.2 Then, tax credits could cover 100% of plan costs the next 2 years.3 See how.
50K+
businesses4
1M+
savers5
$15B+
invested for retirement6
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Innovation by Design Award 20247
$0 is a great place to start

Enjoy no employer fees for the first 12 months.2 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
    • $23,500 employee contribution limit9
    • Safe Harbor10 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 as you grow.
    Contact sales
    • $23,500 employee contribution limit9
    • Flexible pricing options
    • Premium support for plan admin and employees
    • Support for plan transfers
Money in shield simple icon
With no transaction fees, you won’t have to pay extra for plan setup, plan transfers, or 5500 prep.8

Estimate your 401(k) plan costs with our calculator

Your company could be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.11
  • $0 transaction fee
  • $0 rollover fee
  • $0 loan fee
  • $0 distribution fee
See here for more 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).

See here for more 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 app7, 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.