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Heart icon Relied on by 34,000+ businesses like yours1

A Top Choice for a Modern 401(k)2


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Get setup in ~9 min

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Starting at just $39/month

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6x lower managed portfolio fees than the industry average3

Get a retirement plan your team will love.

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34,000+
businesses1
700k+
savers4
$10B
invested for retirement1
9/10 star rating on Business.com
Top 401(k) for small business2

A top-rated 401(k)2 for a reason

  • Example visual of what happens when a payroll is connected with Guideline.

    All-in-one 401(k)

    We handle your administration for you5 — everything from IRS filings to compliance — so you can focus on what matters most: your business.
  • Visual of Guideline's mobile app icon

    Modern experience for your team

    With employee self-onboarding, a guided portfolio, and an award-winning mobile app6, we make signing up and saving easy for your team.
  • Mockup of Guideline iOS mobile app with prominent text. You're all set!

    Top-notch support

    Get support you can count on for you and your team, including Spanish. With a 90% customer satisfaction rating7, there’s a reason why 34,000+ businesses 1 like yours rely on us for their 401(k).
Powerful plans for businesses of any size
Our 401(k) plans come with low monthly costs and no transaction fees. So you won’t have to pay extra for plan setup, plan transfers, or 5500 prep.8
  • Starter
    $39
    / month
    + $4/mo per active participant
    A simplified 401(k) with limited features and easy administration.
    • $6,000 employee contribution limit10
    • No employer contributions
  • Core
    Most popular
    $89
    / month
    + $8/mo per active participant
    A foundational 401(k) with robust features and more plan design options.
    • $23,500 employee contribution limit10
    • Safe Harbor11 or Traditional 401(k)
    • Features like employer contributions and profit sharing
  • Enterprise
    $149
    / month
    + active participant fee
    Our most custom 401(k) with premium support and flexible pricing that scales as you grow.
    • $23,500 employee contribution limit10
    • Flexible pricing options
    • Premium support for plan admin and employees
    • Support for plan transfers
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Self-employed? Our Solo 401(k) is purpose-built to meet your needs, for just $49/mo + 0.15% account fee.9
  • 1
    Based on Gusto internal analytics as of October 2025
  • 2
    Business.com “Gusto (previously known as Guideline RK, LLC) 401k Review and Pricing” February 26, 2025. Review criteria provided here.
  • 3
    Information is illustrative. Not investment/tax advice. Consult a qualified tax/financial advisor. Avg. investment expense of plan assets for 401(k) plans w/ 25 participants and $250,000 in assets is 1.26% of assets, per 25th Edition of the 401k Averages Book, w/ data updated through September 30, 2024 (inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges). Investment advisory services for Gusto’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Managed portfolios have blended expense ratios ranging from .058% to .061% of assets under management. When combined with an assumed account fee of .15% charged by Guideline Investments, LLC, estimated total AUM fees for one of the managed portfolios can be under .21%. Alternative account fee pricing available, ranging from .15% to .35%.See the Form ADV 2A Brochure for more information regarding fees. 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.
  • 4
    Total number of Savers, both active and non-active, that have participated in Gusto’s products from 2016-2025
  • 5
    Investment advisory services for Gusto’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. 3(16) fiduciary services are offered by Guideline RK, LLC (“Guideline”) and only made available to clients who use the integration services available through Gusto, Inc.’s payroll services. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.
  • 6
    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category in June 2024. Fee paid for application.
  • 7
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024
  • 8
    See here for more information regarding Gusto's fees.
  • 9
    If a non-spouse/common law employee is added to your plan it will no longer meet Guideline’s Solo 401(k) pricing criteria and requires you to switch to our Enterprise or Core tier.
  • 10
    Varies by age and may be adjusted annually to account for IRS cost-of-living adjustments. Learn more
  • 11
    In general, Safe Harbor 401(k) plans automatically satisfy Top Heavy requirements. One exception is for plan years in which the employer makes discretionary contributions (such as profit sharing contributions) in addition to Safe Harbor contributions. Removing Safe Harbor contributions mid-year will also require plans be subject to all compliance testing.

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.

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