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Powered by Guideline. Connected with QuickBooks

QuickBooks partners with Guideline to provide a seamless 401(k)1. Open a Guideline 401(k) today and pay $0 employer fees for a year.2

Create your plan
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Prefer to chat? Give us a call at (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.

  • Seamless plan management

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

  • Easy employee onboarding

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

Priced to help you save more

Our plans come with low monthly costs and no transaction fees. Open a 401(k) today and get $0 employer fees for 12 months 2

  • Starter
    $39
    $0
    / month
    +$4/mo 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 provider

  • 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
    • $22,500 employee contribution limit4
    • 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 exclusive pricing options and premium support.

    Contact sales
    • $22,500 employee contribution limit4

    • Exclusive pricing options

    • Premium support for plan admin and employees

    • Access to Participant Perks

    • Support for 401(k) plan transfers

Get back up to $16,500 in tax credits3 — see if you're eligible.

Already have a 401(k)? Switch and get 0% AUM on transferred assets plus 12-months no employer fees.6

Schedule a demo

Foundational services & features on every plan

  • Fingers snapping simple icon.

    Automated plan admin

    We handle recordkeeping, custodial services,7 compliance testing,8 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 5500.9

  • 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 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 retirement on our platform13

  • Fintech 50

    Forbes 202214

See why 50,000+ businesses trust Guideline with their retirement12

Create your plan
  • 1
    401(k) offerings are provided and administered by Guideline, an independent third party and not provided by QuickBooks. QuickBooks is not a 401(k) plan administrator, fiduciary or other provider.
  • 2
    Employer fees included in this promotion are the monthly base fee after the new plan begins. 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 here for additional information regarding our fees. We reserve the right to modify or discontinue this promotion at any time without prior notice.
  • 3
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 4

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

  • 5
    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.
  • 6

    Fees included in this promotion are Guideline's monthly base fee, the monthly active participant fee and annual account fee on assets under management transferred. This offer ends December 31, 2024 and cannot be combined with other offers. We reserve the right to modify or discontinue this promotion at any time without prior notice. Terms & Conditions apply. Please contact Sales at hello@guideline.com for further details. We require all plan sponsors transferring an existing 401(k) to Guideline to set up and maintain an Enterprise plan for at least one year. After one year, the plan will be eligible to switch to a different pricing plan. We require all legally related groups to be in our Enterprise or Starter tiers.

  • 7
    Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.
  • 8
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 9
    Guideline's 3(16) fiduciary services are only available to clients who utilize an eligible payroll provider.
  • 10
    This information is for illustrative purposes only, and is not intended to be construed as investment or tax advice or as an assurance or guarantee of future performance. Investing involves risk, and investments may lose value. 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.
  • 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.

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