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Offer ends October 31

Exclusive offer: Get 12 months free1

Open a Guideline 401(k) by October 31, and get 12 months with zero employer fees.1 It’s never been easier to offer a powerful retirement benefit.

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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.

See why 50,000+ customers trust Guideline

Gusto and Guideline’s seamless integration means 401(k) contributions are automatically deducted each pay run. All Guideline plans include compliance testing,2 IRS filings, fiduciary services,3 and more — helping to reduce your 401(k) busywork.

  • 93% customer satisfaction score4

  • Custom integration built with Gusto

  • 4-business hour response time

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How payroll and a 401(k) work together

Our platform will securely sync your Gusto Payroll and Guideline 401(k) data so any updates or changes will be reflected in both places automatically—saving you time and hassle.

  • Plan management

    401(k) contributions are automatically deducted each pay run. No need to maintain deductions or manually re-enter payroll data.

  • Employee onboarding

    When employees become eligible to join the plan, we’ll notify and enroll them on your behalf—and provide full support along the way.

$0 is a great place to start

Enjoy no employer fees for the first 12 months.1 After that, you’ll get a powerful 401(k) at industry-low pricing.

  • Starter
    New offer
    $39
    $0
    / month
    +$4/mo per active participant
    $0

    A simplified 401(k) with limited features and easy administration.

    Connect
    • $6,000 employee contribution limit

    • No employer contributions

    • Exempt from IRS testing

  • Core
    New offer
    $89
    $0
    / month
    +$8/mo per active participant
    $0

    Our most popular 401(k) with robust features and more plan design options.

    Connect
    • $23,000 employee contribution limit6
    • Safe Harbor7 or Traditional 401(k)

    • Features like employer contributions and profit sharing

  • Enterprise
    New offer
    $149
    $0
    / month
    + active participant fee
    $0

    Our most custom 401(k) with exclusive pricing options and premium support.

    Contact sales
    • $23,000 employee contribution limit6

    • Exclusive pricing options

    • Premium support for plan admin and employees

    • Access to Participant Perks

    • Support for 401(k) plan transfers

Money in shield simple icon

With no transaction fees, you won’t have to pay extra for plan setup, plan transfers, or 5500 prep.5

Foundational services & features on every plan

  • Fingers snapping simple icon.

    Automated plan admin

    We handle recordkeeping, custodial services,8 compliance testing,9 and guided employee onboarding.

  • Shield with a circle check inside of it simple icon.

    3(38) and 3(16) fiduciary services

    We can help file IRS and DOL reports and sign your 5500.5

  • Lightening bolt simple icon.

    Mobile app

    Your team can set up and manage their 401(k) account on their phone.

  • $0 rollover fee
  • $0 loan fee
  • $0 distribution fee

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Help employees save more

Active employees are only charged an annual account fee starting at 0.15%10 (0.0125%/month) with no transaction fees.

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Retirement plans that put people first

  • A guiding hand

    We provide educational investing webinars, portfolio recommendations, and live support.

  • Seamless tech integrations

    Simple management

    Our modern dashboard and mobile app lets your employees view their savings and make updates at any time.

  • Low-cost investments

    The low-cost funds in our managed portfolios are diversified across asset classes. View our full fund menu.

  • Intelligent investing

    All of our investment portfolios rebalance automatically to help your employees’ retirement goals stay on track.

Guideline at a glance

  • 50K+

    business clients12

  • $15B+

    invested for retirement13

  • Fintech 50

    Forbes 202214
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Everyone has a future.
Now everyone can invest in one.

Let’s get started

Contact us

This information is general in nature and is for informational purposes only. It shouldn’t be used as a substitute for specific tax, legal and/or financial advice that considers all relevant facts and circumstances. Investing involves risk and investments may lose value. Tax laws and regulations are complex and subject to change. You should consult a qualified financial adviser or tax professional before relying on this information.

  • 1

    Employer fees included in this promotion are the monthly base fee charged to the 401(k) plan sponsor and the monthly active participant fee. Other employer-paid service fees are not included in this promotion. Participant-paid fees are not included in this promotion and will still apply. See our Form ADV 2A Brochure for additional information regarding our fees. This offer ends October 31, 2024 and can’t be combined with other offers. Flexible pricing opportunities may affect this promotion. Contact Sales at hello@guideline.com for further details. We reserve the right to modify or discontinue this promotion at any time without prior notice.

  • 2
    All plans of related entities must be administered by Guideline and have identical plan designs in order to provide compliance testing.
  • 3
    Guideline's 3(16) fiduciary services are only available to clients who utilize an eligible payroll provider.
  • 4
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2023 to 12/31/2023.
  • 5
    Third-party auditor fees will apply to large plans where an audit is required. These fees are not charged by Guideline.
  • 6

    May be adjusted annually to account for IRS cost-of-living adjustments. Learn more.

  • 7
    In general, Safe Harbor 401(k) plans automatically satisfy Top Heavy requirements. One exception is for plan years in which the employer makes discretionary contributions (such as profit sharing contributions) in addition to Safe Harbor contributions. Removing Safe Harbor contributions mid-year will also require plans be subject to all compliance testing.
  • 8
    Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.
  • 9
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 10
    An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See our Form ADV 2A Brochure for more information regarding fees.
  • 11
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 12
    As of May 2024
  • 13
    As of August 2024
  • 14
    Forbes’ Most Innovative Fintech Companies of 2022
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Guideline.com is owned and operated by Guideline, Inc. (“Guideline”), an SEC-registered investment adviser. Investment-related content is provided for general information purposes only, and is not intended to be construed as investment advice. Investments involve risk and are not guaranteed.

© 2024 Guideline, Inc.