Guideline and Gusto logo side by side

Over 50,000 customers trust Guideline with their 401(k)

Gusto partners with Guideline to provide a seamless 401(k)1 with low monthly costs and no transaction fees.2 Open a Guideline 401(k) by December 31, and get 12 months with $0 employer fees.3

  • 1

    Connect Gusto to Guideline

  • 2

    Build your plan

  • 3

    Set a start date

Connect with Gusto

See our Privacy Policy to learn how we use and protect your information

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How Gusto and Guideline work together

Guideline syncs all your payroll data from Gusto automatically.

  • Automated Contributions

    401(k) contributions are automatically deducted each pay run. No need to maintain deductions or manually re-enter payroll data.

  • Easy onboarding

    When employees are onboarded, we’ll notify and enroll them in the plan on your behalf—so no additional admin work required.

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
    Offer
    $39
    $0
    / 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
    Offer
    $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 limit5
    • Safe Harbor

      or Traditional 401(k)

    • Features like employer contributions and profit sharing

    • Can connect with any payroll provider

  • Enterprise
    Offer
    $149
    $0
    / month
    + active participant fee
    Our most custom 401(k) with premium support and flexible pricing that grows with you.
    Contact sales
    • $23,500 employee contribution limit5

    • Flexible pricing options

    • Premium support for plan admin and employees

    • Support for plan transfers

Get back up to $16,500 in tax credits4

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

Get started

Contact us

This information is general in nature and is for informational purposes only. It shouldn’t be used as a substitute for specific tax, legal and/or financial advice that considers all relevant facts and circumstances. Investing involves risk and investments may lose value. Tax laws and regulations are complex and subject to change. You should consult a qualified financial adviser or tax professional before relying on this information.

  • 1
    401(k) offerings are provided and administered by Guideline, an independent third party and not provided by Gusto. Gusto is not a 401(k) plan administrator, fiduciary or other provider.
  • 2

    See here for more information regarding Guideline's fees.

  • 3

    Dependent on the promotion. Fees may include Guideline's monthly base fee, the monthly active participant fee and annual account fee on 401k assets under management transferred from your prior plan provider. This promotion does not include future or current individual participant account assets. 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. We require all legally related groups to be in our Enterprise or Starter tiers. Go to our pricing page or see our Form ADV 2A Brochure for more information on pricing and fees.

  • 4
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 5

    May be adjusted annually to account for IRS cost-of-living adjustments.

  • 6
    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.

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.

© 2024 Guideline, Inc. All rights reserved

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