Start saving right away — enjoy $0 base fee for 12 months

Meet Oregon’s retirement mandate with a simple, powerful Guideline 401(k), and get 12 months with a $0 base fee.

Gusto is not a client of Guideline. Guideline pays a fee for each 401(k) and SEP IRA client referred by Gusto as outlined in our written arrangement with Gusto. We'll provide additional disclosures prior to opening an account with Guideline. See our Privacy Policy to learn how we use and protect your information.


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The mandate in a nutshell

OregonSaves was established in 2017. It requires Oregon business owners with at least one employee to offer the state-sponsored plan or a qualified alternative like a Guideline 401(k). Compare your options

  • 1+ employees

    July 31, 2024

Meet the mandate and more with a Guideline 401(k)

  • Simple setup

    Get started in 20 minutes. We’ll help you choose a plan that meets the mandate and your business’s goals.

  • Automated busywork

    Our custom built integration with Gusto means no need to maintain deductions or manually re-enter payroll data.

  • Live support

    You and your team get access to live support, guided employee onboarding, a mobile app, and more.

Compare OregonSaves with Guideline Starter

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  • Retirement plan type

    Starter 401(k)

    Roth IRA

  • Maximum employee contributions for 2024



  • Employee asset-based fee


    ($15 for every $10,000)


    ($40 for every $10,000)

  • Additional active employee fees


    $16/year account fee

    (charged quarterly at $4 each quarter)

  • Monthly employer fee

    $39 / month + $4 per participant

    (get $0 base fees for 12 months)


  • Investment options



    (Including Indexed Funds)

  • Professionally managed portfolios



  • Employer match



  • Profit sharing



Stay compliant. Set up a Guideline 401(k) in just 20 minutes.

Looking for a more robust plan? Look no further.

Starter 401(k) plans do have limitations like lower contribution limits and no employer contributions. If you’d like to set up a plan with more options and flexibility, you may want to consider Core or Enterprise.

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Andrew C.Agema Labs
Guideline 401(k) is so easy to set up and manage. The user experience is great, and so is the customer service. I've used two other 401(k) providers in my career and Guideline is painless in comparison.Client of Guideline. Views may not be representative of other clients.

Get a retirement plan you and your team will love

Oregon retirement mandate FAQs

What is the mandate?

The OregonSaves Program was created to encourage more people to save for retirement. It requires Oregon employers with 1 or more employees to provide access to a retirement plan. The plan can either be a private plan like a 401(k) or the state-sponsored plan.

Which employers are impacted by the retirement mandate?

You are eligible to participate in the OregonSaves Program if:

  • Your business is registered to conduct business in the state of Oregon
  • Your employees must be 18 years old to enroll in OregonSaves
  • You don’t currently offer a qualified retirement savings program to your employees
  • You have 60 days from the date of hire to enroll a new employee in OregonSaves or accept their election to opt out of the program.

Are there penalties for not offering a retirement benefit?

Yes. Employers that are out of compliance may be subject to enforcement action, including penalties and fines.

Does Guideline satisfy the retirement mandate?

Yes. All of Guideline's 401(k) plans are designed to satisfy state program requirements and are priced to be affordable for businesses of all sizes.

Can I move from Guideline Starter to a standard 401(k)?

While it is possible for a plan to convert from a Starter 401(k) to a standard 401(k) plan at Guideline, the transition cannot take place until the beginning of the next calendar year. Learn more here.