No employer fee for 3 months.1
Grow your business with us
With Guideline, you get the tools and tech needed to offer an affordable, automated 401(k).
Your business, your team, our tech
Our platform can make retirement planning and plan admin easier, faster and more secure.
Payroll integration
We connect with top payroll providers to create a largely automated 401(k). We can securely sync employee data, track eligibility, and process deductions so you don’t have to. Learn more
401(k) dashboards
Our dashboards give you and your employees a holistic view of your 401(k). You can monitor activity, track eligibility and stay on top of deadlines. Your employees can make updates and access resources at any time.
Automated investing
We offer professionally managed investment portfolios, make portfolio recommendations, and rebalance them automatically to make retirement investing simple. See how it works
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.2
Features that fit your business and team
- StarterGet started
- CoreGet started
- EnterpriseContact us
- Plan administration
- Plan features
- Employee experience
Calculator
Estimate your plan costs with our calculator
If you’re starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.11
Help your employees save more
No transaction fees
We don’t charge fees for one-off transactions like rollovers, loans, distributions or plan wind-downs.2
6x lower investment fees
The total fees for our managed portfolios are about 6x less than the industry average.12 Learn more
High contribution limits
With a 401(k), participants can generally contribute up to $23,500 a year.13 With Guideline, they get even more savings.
1
Select a plan type
The first decision is whether you want a Starter, Traditional, or Safe Harbor 401(k).
2
Add plan features
Customize your plan with features like employer matching, eligibility requirements, and more.
3
Set a start date
You can get a plan up and running in about 40 days.
Frequently asked questions
How many employees do you need to set up a 401(k)?
There is no minimum number of employees required when setting up a 401(k) with Guideline. You can set up a 401(k) with just an owner or for a single employee.
When can my plan start?
While setting up a Guideline 401(k) only takes about 20 minutes, it generally takes about 40 days until first contributions are made. This is due to the automatic enrollment feature on all Guideline 401(k) plans. Generally, eligible employees cannot be automatically enrolled in your plan until 30 days after they receive notice of the auto-enroll feature. This gives them sufficient time to opt-out before the plan begins.
Can I set up a 401(k) for my LLC?
Yes, Guideline works with many different types of businesses and entity structures such as LLCs.
What are the benefits of a 401(k) plan compared to other retirement options?
401(k) plans are popular because they offer a lot of flexibility in plan design options, integrate with payroll systems, and work as a great hiring tool.
What is auto enrollment?
Auto enrollment is a required feature for all Guideline 401(k) plans. Auto enrollment can help improve IRS nondiscrimination testing results, increase employees’ retirement readiness, and much more. Learn more about auto enrollment
What fees are employers charged?
Employers will be charged $39, $89, or $149/month depending on their pricing plan and $4-$8/month for each active participant in the plan. We don’t charge transaction fees—this includes no plan termination fees14 or Form 5500 prep fees.15See our pricing
Which employees are eligible to participate in the plan?
With Guideline, you can determine your plan eligibility based on your employees’ age and length of service with your company:
→ Age: 18, 19, 20, or 21 years
→ Length of service: 0, 3, 6, 12 months
We do not distinguish between part time and full time employees.