Nevada, it’s time to offer a 401(k).

All Nevada employers with 6 or more employees must offer a retirement plan by September 1, 2025.1

Get started
Right Arrow Icon
Connect with a specialist
See our Privacy Policy to learn how we use and protect your information.
60k+
businesses2
1M+
savers3
93%
customer satisfaction score4
9/10 star rating on Business.com
Top 401(k) for small business5
What is NEST?

Nevada’s Employee Savings Trust (NEST) is a new state-run retirement program for businesses with:

  • 6 or more employees
  • 3+ years in business
  • No qualified retirement plan offered in the past 3 years

If your business meets the criteria, you’re required to either register with NEST or offer a qualified plan like Guideline’s 401(k) that checks every compliance box and delivers more value.

Just learning about this? You’re not alone. 67% of Nevada small businesses are unaware of the deadline.6

Guideline is here to help. Let’s look at your options.

"Guideline handles the bulk of 401(k) responsibility—and that takes the heat off me."

Cobra Systems Logo
Nikki K., Cobra Systems
Logistics
Client of Guideline. Views may not be representative of other clients.

Compare Guideline Starter with NEST

Guideline logo
NEST
  • Retirement plan type
    Starter 401(k)
    Roth IRA
  • Tax benefit
    Pre or Post tax
    Post-tax only
  • Employee asset-based fee
    0.15%7
    0.20%8
  • Additional active employee fees
    None9
    $26/year account fee10
  • Professionally managed portfolios11
    6
    0
  • Investment options11
    40
    6
  • Payroll integrations
    25+ platforms
    30 listed providers, but many require manual steps, special plan types, or file uploads
  • Exempt from IRS testing
    Yes
    Yes
  • Scales to a standard 401(k)
    Yes
    No
  • Monthly employer fee
    $39/month + $4 per participant12
    Free
Meet the mandate - and them some - with Guideline
Get started

"It wasn’t worth the business risk, or the stress, to do a state program without a payroll integration. Guideline Starter was an easy choice."

Headshot of Rich H. from Pallas Care
Rich H., Pallas Care
Consulting Agency
Client of Guideline. Views may not be representative of other clients.

Direct integrations. Accurate information.

All of our payroll integrations are direct and custom built — we don’t use 3rd party software to sync data. Data syncs every 24 hours with 99% accuracy.13 See all payroll integrations
  • and more
  • and more

Pick a provider that has your back

The results are in – a Guideline 401(k) can be a breeze to manage:14
  • 96% say Guideline plans are easy to set up
  • 97% say Guideline plans are easy to manage
  • 93% say Guideline gives them peace of mind

Calculator

Your new 401(k) could be 100% covered

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.15
Skip the state mandate stress. Get compliant in ~9 minutes today.
Sign up today

Nevada Employee Savings Trust FAQs

  • 1
    The Nevada Employee Savings Trust (NEST) mandated registration deadline applies to businesses with 6 or more employees, 3 or more years in operation, and no qualified retirement plan offered in the last 3 years. Registration for eligible employers opens June 9, 2025, and the deadline to register is September 1, 2025. Requirements to report your exemption also apply. Guideline has prepared this summary from third-party sources as of September 2, 2025. The information herein is considered to be reliable at the time of writing, may not necessarily be all-inclusive, is not guaranteed as to accuracy and is subject to change at any time without notice. The information provided herein is general in nature and is for informational purposes only. It should not 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. You are advised to consult a qualified financial adviser or tax professional before relying on the information provided herein. Deadlines, fees, and other program details are subject to change by the state without notice and should be checked prior to making any decisions. Visit the Nevada Employee Savings Trust (NEST) website, the Program Help Center, and the full NEST Program Description to learn more.
  • 2
    As of April 2025
  • 3
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 4
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024.
  • 5
    Business.com “Guideline 401k Review and Pricing” February 26, 2025. Review criteria provided here.
  • 6
    Guideline research run with Suzy. Insights based on data collected July 2025 from a survey of 42 Nevada-based employees who do not have a retirement benefit from their employer. Guideline was not identified as the survey sponsor. The experiences of the respondents in this survey may not be representative of all people.
  • 7

    Investment advisory services for Guideline’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. An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. 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. See the Form ADV 2A Brochure for more information regarding this fee.

  • 8
    As of September, 2025 Nevada’s Employee Savings Trust (NEST) program charges a Program Administration Fee, which is in the amount of 0.15% to be paid to the Program Administrator plus 0.05% of the Investment Option’s daily net assets paid to the Program. The Program Administration Fee covers a portion of the costs of administering the Program. This fee accrues daily, is paid monthly, and is factored into the applicable Unit Value. Additionally, there are underlying Investment Fees. These fees include investment advisory fees, administrative fees, and other expenses of each applicable Underlying Investment, which are paid out of the assets of the Underlying Investment and reduce the investment return on such Underlying Investment. An Underlying Investment’s expense ratio measures the total annual operating expenses of the Underlying Investment as a percentage of its average daily net assets. The Underlying Investment Fees may change from time to time based on changes in the total annual operating expenses of the Underlying Investments in the applicable Investment Option. These changes will result in a change in the Total Annualized Asset-Based Fee per the NEST Program Description. The fees are subject to change by the state without notice and may not include all potential charges, such as fees for rollovers, paper statements, or check distributions. Participants should review the full program details and fee disclosures prior to making any decisions.
  • 9
    The fee presented does not include other fees that a 401(k) participant may incur, including, but not limited to, from mutual fund expense ratios and a monthly maintenance fee to participants who end employment.
  • 10
    As of September, 2025. The Annual Account Fee, which covers the costs of administering the Program, is $26.00 per year. The Account Fee is paid in part to the Program Administrator ($22.00 per year) and in part to NEST ($4.00 per year). The $26.00 Account Fee payable to the Program Administrator and NEST is assessed quarterly at the rate of $6.50 per Account (equivalent to $2.17 per month). The annual Account Fee is not factored into any Unit Value. Units in your Account will be liquidated by the Program Administrator as required for payment of the Account Fee. The fee presented does not include other fees that a 401(k) participant may incur, including, but not limited to, from mutual fund expense ratios and a monthly maintenance fee to participants who end employment per The NEST Program Description
  • 11

    Investment advisory services for Guideline’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, the “Affiliated RIA”). Specific references herein to “asset-based fees” or “investment options” or “we” or “our” in this specific context is referring solely services provided- or fees charged- by the Affiliated RIA. See the Affiliated RIA’s Form ADV 2A Brochure for more information regarding its services and fees. Recordkeeping services 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. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 12
    See here for more information regarding fees.
  • 13
    Based on Guideline internal analytics as of May 2025
  • 14
    Research insights based on data collected in March 2025, from a survey conducted by Guideline, Inc that consisted of 156 clients who were active at the time of the survey based in California. Guideline was identified as the survey sponsor. Though the survey is broad in scope, the experiences of the respondents in this survey may not be representative of all clients.
  • 15, †
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 16
    Investment advisory services for Guideline’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, the “Affiliated RIA”). Specific references herein to “asset-based fees” or “investment options” or “we” or “our” in this specific context is referring solely to services provided- or fees charged- by the Affiliated RIA. See the Affiliated RIA’s Form ADV 2A Brochure for more information regarding its services and fees. Recordkeeping services 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. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

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.

© 2025 Guideline, Inc. All rights reserved

Guideline logo mark displayed in white
Guideline logo displayed in white
  • Guideline's Facebook profile.
  • Guideline's Instagram profile.
  • Guideline's Linkedin profile.
  • Guideline's X profile.
  • App Store
  • Google Play