Guideline | Rippling logo

$0 base fees for 1 year1

Get a Rippling-integrated 401(k) and join the 50K+ businesses that trust Guideline with their retirement.2

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

50K+

businesses2

1M+

savers3

$15B+

invested for retirement4

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Innovation by Design Award 20245

Priced to help you save

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.6

  • Core
    Most popular
    $89
    $0
    / month
    + $8/mo per active participant fee

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

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    • $23,500 employee contribution limit8
    • Safe Harbor9

      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 grows with you.

    Contact sales
    • $23,500 employee contribution limit8

    • Flexible pricing options

    • Premium support for plan admin and employees

    • Support for plan transfers

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Already have a 401(k)? Switch and get 0% AUM on transferred assets plus 12-months no employer fees.7 Schedule a demo

Guideline vs. Human Interest

Learn why 2x as many businesses choose a Guideline 401(k) over a Human Interest 401(k)10

  • Guideline has 4x lower asset fees
  • Guideline only bills for active, participating employees
  • Guideline provides ongoing compliance testing at no extra charge for all plan tiers
Schedule a demo

This information is for illustrative purposes only, and is not intended to be construed as investment or tax advice. Effective in the first quarter 2024, the 0.50% advisory fee charged by Human Interest Advisors, LLC will be restructured so that the asset-based fee typically ranges between 0.12% and 0.15% annually. Additionally effective in the first quarter 2024, Human Interest, Inc. will begin charging a separate asset-based fee that typically ranges up to 0.0.60% to 0.0625%. This results in a total annual asset-based fee ranging up to 0.72%-0.75%. See Human Interest’s Pricing Page or their Form ADV Brochure 2A for more information regarding fees. Mutual fund expense ratios are charged by- and paid to- the fund manager that manages the mutual funds themselves and are subject to change without notice. Vanguard’s annual expense ratio is calculated by dividing the fund’s operational expenses by its average net assets. Expense ratios for custom portfolios will vary as the expense ratios of the 40 funds made available in our lineup range from 0.04%-0.17%. View our full fund lineup here.

Foundational services & features on every plan

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    Automated plan admin

    We handle recordkeeping, custodial services,11 compliance testing,12 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 5500.13

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    Mobile app

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

  • $0 rollover fee
  • $0 loan fee
  • $0 distribution fee

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Help employees save more

Active employees are only charged an annual account fee starting at 0.15%14 with no transaction fees.

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

  • Have questions?

    Speak to a retirement specialist

    Schedule a demo

  • Ready to connect?

    Connect Rippling with Guideline

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  • 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 May 2024
  • 3
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 4
    As of August 2024
  • 5

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 6
    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.
  • 7

    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.

  • 8

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

  • 9
    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.
  • 10
    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.
  • 11

    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.

  • 12
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 13

    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.

  • 14
    This information is for illustrative purposes only, and is not intended to be construed as investment or tax advice or as an assurance or guarantee of future performance. Investing involves risk, and investments may lose value. An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. 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.

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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