Meet the state retirement mandate with an affordable, powerful retirement plan.
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Get a small business 401(k) that gives you more
At Guideline, we’ve teamed up with top providers—like Gusto, QuickBooks and Square—to automate plan administration and employee onboarding. We also take care of investments, government filings, and more.
With a Guideline 401(k), you have more options. Employer matching, profit sharing, vesting schedules, eligibility requirements—you can add these features to fit your business and create a stronger retirement benefit.
With a 401(k), your employees can contribute more than they could with an IRA. With a Guideline account, they’ll get access to low-cost investments and pay no transaction fees.
We provide 40+ investment options and professionally managed portfolios. We also provide educational webinars, portfolio recommendations, and live support—so your employees can start saving with confidence.
Oregon’s retirement savings program, OregonSaves, was created to encourage more people to save for retirement. It requires all employers to provide access to a retirement plan.
As an employer, you can choose the type of plan you’d like to offer: the state-sponsored program or a qualified private plan, like a Guideline 401(k).
March 1, 2023
Retirement plan type
Maximum employee contributions for 2023
Monthly employer fee
Starting at $49/month + $8 per active participant
If you’re starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.
6am - 4pm PT, Mon - Fri
All employers must offer a workplace retirement plan. This can either be a private plan like a 401(k) or the state-sponsored program.
For companies with 4 or fewer employees, the registration deadline is March 1, 2023.
For companies with 5+ employees, the deadlines have already passed. Employers that are out of compliance may be subject to enforcement action, including penalties and fines.
Employers of all sizes who don’t already offer a workplace retirement plan.
Yes. Guideline's 401(k) plans are designed and priced with small businesses in mind. Starting a Guideline 401(k) satisfies the Oregon retirement mandate.