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Find a 401(k) that fits your business

Offer a low-cost, state mandate-compliant 401(k) that can help attract and retain top employees.

  • 1

    Connect your payroll

  • 2

    Build your plan

  • 3

    Set a start date

Connect your payroll
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Guideline partner
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60K+
businesses1
1M+
savers2
93%
customer satisfaction score3
9/10 star rating on Business.com
Business.com Editor's Rating,
Top 401(k) for Small Business4
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Homebase and Guideline make 401(k) administration easy

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

  • 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.
Plans that fit your business
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.5
  • Starter
    New offer
    $39
    $0
    / month
    + $4/month per active participant
    $0
    A simplified 401(k) with limited features and easy administration.
    Get started
    • $6,000 employee contribution limit
    • No employer contributions
    • Must be a new 401(k) plan
    • Must connect with an eligible payroll provider7
  • Core
    Most popular
    $89
    $0
    / month
    +$8/mo per active participant
    $0
    A foundational 401(k) with robust features and more plan design options.
    Get started
    • $23,500 employee contribution limit8
    • Safe Harbor or Traditional 401(k)
    • Features like employer contributions and profit sharing
    • Can connect with any payroll provider
  • Enterprise
    $149
    $0
    / month
    + active participant fee
    $0
    Our most custom 401(k) with premium support and flexible pricing that grows with you.
    Contact sales
    • $23,500 employee contribution limit8
    • Flexible pricing options
    • Premium support for plan admin and employees
    • Support for plan transfers
Get back up to $16,500 in tax credits6— see if you're eligible.

Foundational services & features on every plan

  • Help offset your income taxes

    Automated plan admin

    We handle recordkeeping, custodial services10, compliance testing11, 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. Guideline's 3(16) fiduciary services12 are only available to clients who utilize an eligible payroll provider.
  • lower investment fees

    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

Help employees save more

Active employees are charged an annual account fee starting at 0.15%13 (0.0125%/month) with no transaction fees.

Calculator

Estimate your plan costs with our calculator

If you’re starting a new 401(k), your firm 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.14

Find your retirement mandate

25+ states are rolling out retirement mandates, requiring that employers offer a retirement benefit to help more people save for the future, right from their paycheck. Some states are levying heavy penalties for not complying.15

Click on your state below for more details.

Get set up in 20 minutes
We can walk you through the next steps.
Get started

  • 1

    Select a plan type

    The first decision is whether you want a Starter, Traditional, or Safe Harbor 401(k).

  • 2

    Add plan features

    Customize your plan with features like employer matching, eligibility requirements, and more.

  • 3

    Set a start date

    You can get a plan up and running in about 40 days.
  • 1
    As of April 2025
  • 2
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 3
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024.
  • 4
    Business.com “Guideline 401k Review and Pricing" February 26, 2025. Review criteria provided here.
  • 5

    See here for more information regarding Guideline's fees.

  • 6
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 7
    Offer is not available for certain payroll providers. Contact us for more information.
  • 8
    Varies by age and may be adjusted annually to account for IRS cost-of-living adjustments. Learn more
  • 9
    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.
  • 10

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Recordkeeping services are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 11
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 12

    Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. 3(16) fiduciary services are offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 13

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. 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 the Form ADV 2A Brochure for more information regarding this fee.

  • 14
    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.
  • 15
    The information provided herein is general in nature and is for informational purposes only. It should not be used as a substitute for specific tax, legal and/or financial advice Guideline has prepared this summary from third-party sources as of December 2024. This information is considered to be reliable at the time of writing, may not necessarily be all-inclusive, is not guaranteed as to accuracy and is subject to change at any time without notice. You are advised to consult a qualified financial adviser or tax professional before relying on the information provided. Deadlines, fees, and other program details are subject to change by the state without notice and should be checked prior to making any decisions. If you already offer a qualified employer-sponsored plan, exemptions may be required. Please consult with your state's specific exemption information for more details.

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

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