No employer fee for 3 months.

Grow your business with us

With Guideline, you get the tools and tech needed to offer an affordable, automated 401(k).

Let’s get started
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Your business, your team, our tech

Our platform can make retirement planning and plan admin easier, faster and more secure.

  • Payroll integration

    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

  • An infographic showing the different investment options available through Guideline 401(k) plans.

    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

    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.

  • Starter
    $39
    / month
    + $4/month per active participant

    A simplified 401(k) with limited features and easy administration.

    Get started
    • $6,000 employee contribution limit

    • No employer contributions

    • Must be a new 401(k) plan

    • Must connect with an eligible payroll provider

  • 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 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.

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    • $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

Features that fit your business and team

  • 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.

Help your employees save more

  • Help offset your income taxes

    High contribution limits

    With a 401(k), participants can generally contribute up to $23,000 a year. With Guideline, they get even more savings.

  • Coin icon

    No transaction fees

    We don’t charge fees for one-off transactions like rollovers, loans, distributions or plan wind-downs.

  • lower investment fees

    7x lower investment fees

    The total fees for our managed portfolios are about 7x less than the industry average. Learn more

Get set up in 20 minutes

We can walk you through the next steps.

Let’s get started
  • 1

    Select a plan type

    The first decision is whether you want a Traditional 401(k) or Safe Harbor plan.

  • 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

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.

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.

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.

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.

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 fees or Form 5500 prep fees. See 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.