Starter

Starter 401(k): Jump start your team's savings

Starter plans come with a low price point and easy administration.

Business owner

A simplified benefit at an affordable price

Employer pricing

$39

/ month

+

$4

/ month per active participant

Starter plans must be connected with one of our eligible payroll providers

What's included

  • Recordkeeping

    We serve as the recordkeeper to track your 401(k) plan’s balances, transactions, and deferrals. We’ll provide and maintain required plan documents, summary plan descriptions and most regulatory notices.

  • Government filing

    We prepare standard annual reports for no extra fee, including Form 5500 and 1099-R.

  • Investment management

    We manage the investment portfolio, select and monitor funds, and rebalance portfolios automatically. Learn more

  • Low-cost investments

    Combined with our management fees, investing for retirement with Guideline could cost an individual up to 7x less than industry average.

  • Payroll integration

    We integrate with popular payroll providers so businesses can connect their plan and simplify plan administration. Learn more

  • Custodial services

    Through a third party custodian, we’ll process transactions, execute trades, safeguard plan assets and more.

  • Fiduciary responsibilities

    We serve as the ERISA 3(16) and 3(38) plan fiduciaries—which cover plan administration and investment management. This means we are legally (and morally) obligated to work in the plan and participants’ best interest.

  • Mobile app

    Employees can set up and manage their 401(k) account on their phone or desktop.

Set up an easy, affordable Starter plan in as little as 20 minutes.