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

Create your plan
Phone icon symbolizing ease of setting up a Guideline 401(k) plan.

Want to learn more? Reach out to our team (888) 228-3491.

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How payroll and a 401(k) work together

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

  • Simple 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.

  • Hassle free plan administration

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

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) for small businesses that want to make an employer contribution.

    Your plan includes:

    • Automated recordkeeping, plan admin, and employee onboarding.

    • Full integration with QuickBooks Online.

    • 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.

    • Dedicated onboarding specialist and account manager.

    • Support for controlled group plans.

Cost for participants

0.08% / year

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


Estimate your 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 initial plan costs.

Give your employees a roadmap to retirement

  • 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.

  • 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 on our platform

  • Fintech 50

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

Let’s get started

Contact us