The Oregon way to 401(k)

Meet the state retirement mandate with an affordable, powerful retirement plan.

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Guideline 401k
Guideline 401k

Get a small business 401(k) that gives you more

  • A visual representation of Guideline 401(k) dashboard for employee onboarding and payroll management.

    Simplify your day-to-day

    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.

  • An image of a puzzle representing the flexibility and customization options available with Guideline 401(k) plans.

    Customize your plan

    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.

  • An image showing the low-cost investment options and zero transaction fees available with Guideline 401(k) plans.

    Help employees save 3x more

    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.

  • An infographic showing the different investment options available through Guideline 401(k) plans.

    Give your employees confidence

    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 retirement mandate, explained

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).

  • Deadline

    March 1, 2023

    Enforcement actions are pending
  • Businesses impacted

    3-4 employees

Compare a Guideline 401(k) with OregonSaves

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  • Retirement plan type


    Roth IRA

  • Maximum employee contributions for 2023



  • Monthly employer fee

    Starting at $49/month + $8 per active participant


  • Employer match



  • Profit sharing




Estimate your plan costs

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.

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Oregon retirement mandate FAQs

What is the mandate?

All employers must offer a workplace retirement plan. This can either be a private plan like a 401(k) or the state-sponsored program.

When does the mandate take effect?

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.

Which employers are impacted by the retirement mandate?

Employers of all sizes who don’t already offer a workplace retirement plan.

Does Guideline satisfy the retirement mandate?

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.