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.
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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

  • 60K+
    business clients2
  • $15B+
    invested for retirement on our platform3
  • 93%
    customer satisfaction score4
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.5
  • 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 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
    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
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,9 compliance testing,10 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 5500.11
  • 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)12
  • 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
Chart comparing Guideline's 60,000+ plans signed vs Human Interest's 24,000+ plans signed

Retirement plans that put people first

  • Icon with heart and people

    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.13
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Everyone has a future.
Now everyone can invest in one.
Get started

Contact us

  • 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. See here for more information regarding Guideline's fees. This offer ends December 31, 2025 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 April 2025
  • 3
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 4
    Guideline’s average Plan Sponsor customer satisfaction score (CSAT) based on feedback received from 1/1/2024 to 12/31/2024
  • 5
    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.
  • 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
    Varies by age and 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.
  • 9

    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.

  • 10
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 11

    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.

  • 12
    Based on current Form ADV filings, Item 5.C.D(1)(g) Pension and profit sharing plans. As of 11/29/2024 Guideline's Form ADV had 50514 plans. As of 3/29/2024 Human Interest Form ADV had 22042 plans.
  • 13
    Research run by Guideline using Suzy research insights based on data collected December 2023-January 2024, from a survey of 776 US-based respondents. Guideline was not identified as the survey sponsor. Though the survey is broad in scope, the experiences of the respondents in this survey may not be representative of all people.

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

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