The trusted 401(k) for growing franchises

Offer a powerful employee benefit — without the piles of paperwork.

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50K+
businesses trust us
1M+
have saved with us1
$15B+
invested for retirement2
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Melissa W.Zipline
As a rapidly growing company, we wanted to offer our employees a strong retirement plan. We chose Guideline because we didn't want the overhead, management or complexity of traditional options.Client of Guideline. Views may not be representative of other clients.

An affordable, scalable 401(k) for you and your team

  • Desktop with mouse on screen. Simple icon.

    Simple setup

    Set up a multi-entity 401(k) and sign all required plans with a single signature.4
  • Help offset your income taxes

    Predictable pricing

    One 401(k) base fee covers all of your businesses5 — plus, you won’t pay extra for plan setup, plan transfers, or 5500 prep.6

  • Hand outsebtretch with two coins floating above it with a USD $ sign. Simple icon.

    Low employee fees

    Employee fees up to 7x less than the industry average with no transaction fees.7

  • All in one experience

    All-in-one 401(k)

    We provide end-to-end management, from serving as your fiduciary to government filing to compliance testing.8

Make it easy for your team to save

With easy-to-use software and a mobile app, setting up a Guideline 401(k) is simple and approachable — even for non-experts.
  • Step-by-step investment portfolio recommendations and auto-rebalancing
  • Financial education and live support
  • Self-serve changes and 401(k) balance checks
Guideline mobile app portfolio screen.
Guideline mobile app portfolio screen.

Streamline your 401(k) as you grow

Our two-way payroll integration means potentially less admin work for you. 401(k) contributions are deducted automatically — no need to maintain deductions or re-enter payroll data.
  • and more
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Get an affordable, scalable 401(k) with Guideline

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

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    (888) 228-3491

    9am - 7pm ET, Mon - Fri

  • 1
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 2
    As of August 2024
  • 3
    Forbes Fintech 50, 2022
  • 4

    Available for eligible legally related groups that have a single trustee w/ sole signing authority & are not a conversion plan. Learn More

  • 5

    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. We require all legally related groups to be in our Enterprise or Starter tiers. Go to our [pricing page(https://my.guideline.com/agreements/fees) for more information on fees.

  • 6
    Third-party auditor fees will apply to large plans where an audit is required. These fees are not charged by Guideline.
  • 7
    The estimated total AUM fee of 0.22% combines the average fund fees for Guideline’s managed portfolios of 0.07% with an assumed account fee of 0.15%. 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. This information is provided for illustrative purposes only and the actual total AUM fees will vary based on the portfolio and/or funds selected. Guideline’s managed portfolios have blended expense ratios ranging from 0.067% to 0.069% of assets under management. 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. The assumed annual account fee applied to assets under management is deducted on a monthly basis. See our Form ADV 2A Brochure for more information regarding fees.
  • 8
    All plans of related entities must be administered by Guideline in order to provide compliance testing.

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

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