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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.1

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Gusto customers rely on us
93%
customer satisfaction score2
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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).4 Compare your options
  • 1+ employees

    July 31, 2024

Meet the mandate and more with a Guideline 401(k)
  • Magnifying glass with check mark inside, simple icon.

    Simple setup

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

    Automated busywork

    Our custom built integration with Gusto means no need to maintain deductions or manually re-enter payroll data.
  • Two hands shaking simple icon.

    Live support

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

Compare OregonSaves with Guideline Starter

Guideline logo
OregonSaves
  • Retirement plan type
    Starter 401(k)
    Roth IRA
  • Maximum employee contributions for 20255
    $6,000
    $7,000
  • Employee asset-based fee
    0.15%6
    0.40%7
  • Additional active employee fees
    None8
    $16/year account fee7
    (charged quarterly at $4 each quarter)
  • Monthly employer fee
    $39 / month + $4 per participant
    (get $0 base fees for 12 months)
    None
  • Investment options9
    40
    14
    (Including Indexed Funds)
  • Professionally managed portfolios9
    6
    0
  • Employer match
    No
    No
  • Exempt from IRS testing
    Yes
    Yes
Stay compliant. Set up a Guideline 401(k) in just 20 minutes.
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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.10
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.
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Oregon retirement mandate FAQs