Guideline | Rippling logo

Special 12-month offer

Powerful retirement plans, connected in minutes.

Pay no base fees for the first 12 months.1 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

Get started

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
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Man with facial hair wearing a green shirt with collar, and glasses smiling and looking into the camera.

Guideline at a glance

  • 50K+

    business clients

  • $15B+

    invested for retirement on our platform2

  • 93%

    customer satisfaction score

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.3

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

    A foundational 401(k) with robust features and more plan design options.

    Get started

    • $23,000 employee contribution limit4

    • 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.

    Contact sales

    • $23,000 employee contribution limit4

    • 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

  • Fingers snapping simple icon.

    Automated plan admin

    We handle recordkeeping, custodial services,6 compliance testing,7 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 5500.8

  • Lightening bolt simple icon.

    Mobile app

    Your team can set up and manage their 401(k) account on their phone.

Guideline vs. Human Interest

Learn why 2x as many businesses choose a Guideline 401(k) over a Human Interest 401(k)9

  • Guideline has 4x lower asset fees⁷ ⁸

  • Guideline only bills for active, participating employees

  • Guideline provides ongoing compliance testing at no extra charge for all plan tiers

Get started

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.10

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

Get started

Contact us

  • 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.

  • 1

    Employer fees include the monthly base fee charged to the 401(k) plan sponsor after the plan begins. Monthly participant fees and participant-paid fees are not included in this promotion and will still apply. Refer to Guideline’s Form ADV 2A Brochure here for additional information regarding Guideline’s fees. This offer ends November 22, 2024 and cannot be combined with other offers. Guideline reserves the right to modify or discontinue this promotion at any time without prior notice.

  • 2

    As of August 2024

  • 3

    Information shown here assumes a static balance of $10,000 per month, an assumed annual account fee of 0.15% to 0.35% on assets under management (calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.15%-0.35%) based on the month-end account balance) and does not account for common factors that affect the value of your account balance over time such as gains, losses, distributions, additional contributions, etc. It’s not intended to be taken as investment advice or as an assurance or guarantee of future performance. The fee presented does not include other fees that an IRA owner may incur, including, but not limited to, from mutual fund expense ratios. 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 our Form ADV 2A Brochure for more information regarding fees.

  • 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

    Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 7

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

  • 8

    Guideline's 3(16) fiduciary services are only available to clients who utilize an eligible payroll provider.

  • 9

    Based on current Form ADV filing, Item 5.C.D(1) (g) Pension and profit sharing plans. As of 3/27/2024 Guideline Form ADV had 50514 plans. As of 3/29/2024 Human Interest Form ADV had 22042 plans.

  • 10

    Per Guideline using Suzy. Data based on a survey collected from 776 US-based respondents from 12/23-1/24. Guideline not identified as the sponsor of the survey. The experiences of those surveyed may not be representative of all people.

Guideline logo mark displayed in white
Guideline logo displayed in white

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.

© 2024 Guideline, Inc.