Exclusive offer: Get 12 months free¹

Open a Guideline 401(k) by June 30, 2024, and get 12 months with zero employer fees. It’s never been easier to offer a powerful retirement benefit.

Gusto is not a client of Guideline. Guideline pays a fee for each 401(k) and SEP IRA client referred by Gusto as outlined in our written solicitation arrangement with Gusto. We'll provide additional disclosures prior to opening an account with Guideline. See our Privacy Policy to learn how we use and protect your information.

See why 25,000+ Gusto customers trust Guideline

Gusto and Guideline’s seamless integration means 401(k) contributions are automatically deducted each pay run. All Guideline plans include compliance testing, IRS filings, fiduciary services, and more — helping to reduce your 401(k) busywork.

  • 93% customer satisfaction score

  • Custom integration built with Gusto

  • 4-business hour response time

$0 is a great place to start

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

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

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

    • $6,000 employee contribution limit

    • No employer contributions

    • Exempt from IRS testing

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

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

    • $23,000 employee contribution limit

    • Safe Harbor or Traditional 401(k)

    • Features like employer contributions and profit sharing

  • Enterprise
    New offer
    / month
    + active participant fee

    Our most custom 401(k) with exclusive pricing options and premium support.

    • $23,000 employee contribution limit

    • Exclusive pricing options

    • Premium support for plan admin and employees

    • Access to Participant Perks

    • Support for 401(k) plan transfers

With no transaction fees, you won’t have to pay extra for plan setup, plan transfers, or 5500 prep.

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Jeri A.Rose City Philanthropy, Gusto & Guideline customer
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. Views may not be representative of other clients.

Open a Guideline 401(k) with $0 employer fees

Learn more about our participant-focused 401(k) plans.

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.