Guideline | Rippling logo
Offer ends May 31

Special offer: $0 base fees for 6 months1

Get a Rippling-integrated 401(k) and join the 60K+ businesses that trust Guideline with their retirement.2

Checkmark in a circle icon
Ready to start? Connect Rippling with Guideline
See our Privacy Policy to learn how we use and protect your information.
60K+
businesses2
1M+
savers3
$15B+
invested for retirement4
fast company logo
Innovation by Design Award 20245
Questions? Our retirement specialists are here to help.
Book a demo
Priced to help you save
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.6
  • Core
    Most popular
    $89
    $0
    / month
    + $8/mo per active participant fee
    A foundational 401(k) with robust features and more plan design options.
    Get started
    • $23,500 employee contribution limit7
    • Safe Harbor8 or Traditional 401(k)
    • Features like employer contributions and profit sharing
    • Can connect with any payroll provider
  • Enterprise
    $149
    $0
    / month
    + active participant fee
    Our most custom 401(k) with premium support and flexible pricing that scales as you grow.
    Contact sales
    • $23,500 employee contribution limit7
    • Flexible pricing options
    • Premium support for plan admin and employees
    • Support for plan transfers
Mathilde P.Director of People, Smartcar
For 401(k), the less you have to check it the better. Guideline is so easy to use, I honestly forget it’s even there.Client of Guideline. Views may not be representative of other clients.

Estimate your 401(k) plan costs with our calculator

Your company could be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.9

Foundational services & features on every plan

  • Fingers snapping simple icon.

    Automated plan admin

    We handle recordkeeping, custodial services,10 compliance testing,11 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 5500.12
  • 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
See here for more information regarding Guideline’s fees.

Help employees save more

Active employees are only charged an annual account fee starting at 0.15%13 with no transaction fees.
See here for more information regarding Guideline’s fees.
  • 1
    Fees included in this promotion are the monthly base fee charged to the 401(k) plan sponsor. 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 here for more information regarding fees. This offer ends 5/31/25 and can’t be combined with other offers. Flexible pricing opportunities may affect this promotion. Contact Sales at hello@guideline.com for further details. We reserve the right to modify or discontinue this promotion at any time without prior notice.
  • 2
    As of April 2025
  • 3
    As of December 2024
  • 4
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 5

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 6

    See here for more information regarding Guideline's fees.

  • 7
    May be adjusted annually to account for IRS cost-of-living adjustments. Learn more
  • 8
    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. All plans of related entities must be administered by Guideline RK, LLC in order to provide compliance testing.
  • 9
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 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.

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.

© 2025 Guideline, Inc. All rights reserved

Guideline logo mark displayed in white
Guideline logo displayed in white