No employer fee for 3 months.
Grow your business with us
With Guideline, you get the tools and tech needed to offer an affordable, automated 401(k).
Our platform can make retirement planning and plan admin easier, faster and more secure.
We connect with top payroll providers to create a largely automated 401(k). We can securely sync employee data, track eligibility, and process deductions so you don’t have to. Learn more
Our dashboards give you and your employees a holistic view of your 401(k). You can monitor activity, track eligibility and stay on top of deadlines. Your employees can make updates and access resources at any time.
We offer professionally managed investment portfolios, make portfolio recommendations, and rebalance them automatically to make retirement investing simple. See how it works
Powerful plans for
businesses of any size
Our 401(k) plans come with low monthly costs and no transaction fees. So you won’t have to pay extra for plan setup, plan transfers, or 5500 prep.
A simplified 401(k) with limited features and easy administration.
$6,000 employee contribution limit
No employer contributions
Must connect with an eligible payroll provider
A foundational 401(k) with robust features and more plan design options.
$23,000 employee contribution limit
Safe Harbor or Traditional 401(k)
Features like employer contributions and profit sharing
Can connect with any payroll provider
Our most custom 401(k) with exclusive pricing options and premium support.
$23,000 employee contribution limit
Exclusive pricing options
Premium support for plan admin and employees
Access to Participant Perks
Support for 401(k) plan transfers
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.
With a 401(k), participants can generally contribute up to $23,000 a year. With Guideline, they get even more savings.
We don’t charge fees for one-off transactions like rollovers, loans, distributions or plan wind-downs.
The total fees for our managed portfolios are about 7x less than the industry average. Learn more
Get set up in 20 minutes
We can walk you through the next steps.
The first decision is whether you want a Traditional 401(k) or Safe Harbor plan.
Customize your plan with features like employer matching, eligibility requirements, and more.
You can get a plan up and running in about 40 days.
There is no minimum number of employees required when setting up a 401(k) with Guideline. You can set up a 401(k) with just an owner or for a single employee.
Yes, Guideline works with many different types of businesses and entity structures such as LLCs.
401(k) plans are popular because they offer a lot of flexibility in plan design options, integrate with payroll systems, and work as a great hiring tool.
While setting up a Guideline 401(k) only takes about 20 minutes, it generally takes about 40 days until first contributions are made. This is due to the automatic enrollment feature on all Guideline 401(k) plans. Generally, eligible employees cannot be automatically enrolled in your plan until 30 days after they receive notice of the auto-enroll feature. This gives them sufficient time to opt-out before the plan begins.
Auto enrollment is a required feature for all Guideline 401(k) plans. Auto enrollment can help improve IRS nondiscrimination testing results, increase employees’ retirement readiness, and much more. Learn more about auto enrollment
Employers will be charged $39, $89, or $149/month depending on their pricing plan and $4-$8/month for each active participant in the plan. We don’t charge transaction fees—this includes no plan termination fees or Form 5500 prep fees. See our pricing
With Guideline, you can determine your plan eligibility based on your employees’ age and length of service with your company:
→ Age: 18, 19, 20, or 21 years
→ Length of service: 0, 3, 6, 12 months
We do not distinguish between part time and full time employees.