Exclusive offer: Get 12 months free¹

Open a Guideline 401(k) by July 31, 2024, and get 12 months with zero employer fees. It’s never been easier to offer a powerful retirement benefit.

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 solicitation 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 25,000+ Gusto 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, IRS filings, fiduciary services, and more — helping to reduce your 401(k) busywork.

  • 93% customer satisfaction score

  • 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. After that, you’ll get a powerful 401(k) at industry-low pricing.

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

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

    • $6,000 employee contribution limit

    • No employer contributions

    • Exempt from IRS testing

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

    Our most popular 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

  • Enterprise
    New offer
    / month
    + active participant fee

    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

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

Foundational services & features on every plan

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    Automated plan admin

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

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    3(38) and 3(16) fiduciary services

    We can help file IRS and DOL reports and sign your 5500.

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    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% (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 clients

  • $14B+

    invested for retirement

  • Fintech 50

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

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.