You’re one step closer to a brighter future.

We’ve teamed up with Gusto to provide a seamless 401(k). Monthly plans start at $49 + $8 per participant with no transaction fees.

  • 1

    Connect with Gusto

  • 2

    Build your plan

  • 3

    Set a start date

Let’s get started

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

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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.

Get the 401(k) pricing plan that works for you

Cost for employers

Learn more about our fees and services

  • Core

    $49 /month
    + $8/mo per active participant

    A seamless Safe Harbor 401(k) plan for small businesses that want to make an employer contribution. Core plans must be connected with one of our full integration payroll partners

    Your plan includes:

    • Full integration with Gusto Payroll.

    • Automated recordkeeping, plan admin, and employee onboarding.

    • We serve as your 3(38) and 3(16) fiduciary and handle certain IRS and DOL reporting and filings.

  • Flex

    $79 / month
    + $8/mo per active participant

    A 401(k) for businesses that want the flexibility to pick and choose features to meet their goals.

    Everything in Core, plus:

    • Flexibility to open a Safe Harbor 401(k) plan or traditional 401(k) plan.

    • Add features like profit sharing and vesting schedules.

    • We conduct additional IRS nondiscrimination testing for traditional plans.

  • Max

    $129 / month
    + $8/mo per active participant

    Our most customizable 401(k) for business owners who want to maximize savings or transfer an existing 401(k) to Guideline.

    Everything in Flex, plus:

    • Custom features like new comparability profit sharing.

    • Support for controlled group plans.

    • Dedicated onboarding specialist and account manager.

Cost for participants

0.08% / year

That’s about 67¢ a month for every $10,000 saved

Have 50 or more employees?

Alternative pricing is available. To learn more, contact Sales at


Estimate your 401(k) plan costs

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 these plan costs.

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 lets your employees view their savings and make updates at any time.

  • Low-cost investments

    The funds in our professionally managed portfolios are from low-cost providers like Vanguard. View our full fund menu.

  • Security

    Intelligent investing

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

Guideline at a glance

  • 40,000+

    business clients

  • $8B+

    invested for retirement

  • #4

    Recordkeeper for most plans added in 2021

  • 87%

    customer satisfaction score

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

Let’s get started

Contact us