Powerful retirement plans, connected in minutes.

Pay no base fees for the first 12 months when you sign up by June 30, 2024. After that, you’ll get a powerful 401(k) at industry-low pricing.

  • 1

    Connect with Rippling

  • 2

    Build your plan

  • 3

    Set a start date

Rippling is a client of Guideline. Guideline pays a fee for 401(k) clients integrated with Rippling as outlined in our written arrangement with Rippling. 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.

Guideline partner
  • Guideline G logo
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  • Rippling logo

How payroll and a 401(k) work together

Our platform will securely sync your Rippling 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.

Powerful plans for
businesses of any size

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.

  • Core
    Most popular
    $89
    / month
    + $8/mo per active participant fee

    A foundational 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

    • Can connect with any payroll provider

  • Enterprise
    $149
    / 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

Foundational services & features on every plan

  • Check

    Automated plan admin

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

  • Shield

    3(38) and 3(16) fiduciary services

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

  • Lightning bolt

    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% 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.

A 401(k) can help attract talent and improve retention

70% of companies say their retirement benefit positively impacts hiring and 73% of companies say their retirement benefit positively impacts employee retention.

Guideline at a glance

  • 50K+

    business clients

  • $13B+

    invested for retirement on our platform

  • Fintech 50

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  • Guideline G logo
  • Rippling logo

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

Contact us