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A Top Choice for
a Modern 401(k)2


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Effortlessly automated 401(k) admin

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Seamless Gusto payroll integration

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Guided retirement saving experience


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Payroll and 401(k)— perfectly synced

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    Automated admin

    Our platform handles everything from payroll deductions to filing IRS forms, keeping manual effort to a minimum.
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    Transparent pricing

    We’ve eliminated all transaction fees, startup costs, and any extra fees other providers may charge.
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    Guided investments

    Guideline Investments’ low-fee portfolios 3 and guided experience help your team start their retirement journeys—and stay on track.

Guideline has joined Gusto

We've officially joined together with Gusto to create a seamless and unified payroll and 401(k) experience, so you can focus on building your business and taking care of your team.

Learn more

Self-serve plans

Not a Gusto payroll customer? Not a problem

If you have a different payroll provider and you're interested in Gusto payroll, our team is here to help. If you’re not ready to switch, you can still open a Gusto 401(k). Our self-serve portal lets employers upload payroll reports and process contributions.
  • Compatible with regular and off-cycle payroll runs
  • Visibility and status of previously uploaded payrolls
  • We’ll supply aggregated 401(k) info
  • 1
    Based on Gusto internal analytics as of January 2026
  • 2
    Business.com “Gusto (previously known as Guideline RK, LLC) 401k Review and Pricing” February 26, 2025. Review criteria provided here.
  • 3
    This information is for illustrative purposes only, and is not intended to be construed as investment or tax advice or as an assurance or guarantee of future performance. Investing involves risk and investments may lose value, including loss of principal. Investment advisory services for Gusto’s 401(k) product (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Expense ratios for custom portfolios will vary. For more information regarding these fees, see the ADV 2A Brochure and Form CRS. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup.

  • * Fees included in these promotions may include the monthly base fee charged to the 401(k) plan sponsor and the monthly active participant fee. Other employer-paid service fees are not included in this promotion. Participant-paid fees are not included in this promotion and will still apply. See here for more information regarding fees. This offer ends 3/31/2026 and can’t be combined with other offers. Flexible pricing opportunities may affect this promotion. Not every 401(k) tier may be included in this promotion. Contact Sales at hello@guideline.com for further details. We reserve the right to modify or discontinue this promotion at any time without prior notice. We require all plan sponsors transferring an existing 401(k) to Gusto 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.

This website contains content from Guideline, LLC and its subsidiaries, 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, LLC’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, LLC nor its affiliates, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, LLC does not guarantee the accuracy and completeness of that information.

Guideline, LLC is a holding company, wholly-owned by Gusto, Inc. (“Gusto”), that through its subsidiaries, it 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 (“Guideline Investments”), both of which are wholly owned by Guideline, LLC.

Neither Gusto nor Guideline, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Gusto, nor any of its affiliates, is a bank.

Investment advisory services for Gusto’s 401(k) products (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC (“Guideline Investments”), an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments’, 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. 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 are not FDIC insured.

Administrative and recordkeeping services for Gusto’s 401(k) products, and SEP IRA/IRA products, are offered by Guideline RK, LLC (“Guideline”). 3(16) plan administration services are also offered by Guideline and only made available to clients who use the integration services available through Gusto’s payroll services. 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. Investing involves risk, including loss of principal.

© 2026 Guideline, LLC All rights reserved

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