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Meet the mandate.
And then some.

Our Guideline + OnPay integration makes it easy and affordable to offer a retirement benefit.

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60K+
businesses1
1M+
savers2
$15B+
invested for retirement3
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Innovation by Design Award 20244
Rich H.Pallas Care
State retirement programs aren’t really free. You need to consider the administrative labor added to every payroll run.Client of Guideline. Views may not be representative of other clients.

Find your retirement mandate

25+ states are rolling out retirement mandates, requiring that employers offer a retirement benefit to help more people save for the future, right from their paycheck. Some states are levying heavy penalties for not complying.5

Click on your state below for more details.

Your 401(k) costs could be covered up to 100%.6
See if you’re eligible

Why Guideline

Picking a provider that has your back can pay dividends
  • Example visual of what happens when a payroll is connected with Guideline.

    Streamline admin work

    Our integration with OnPay takes most manual admin work out of the equation with automated payroll deductions and seamless employee onboarding.
  • Abstract visual of building blocks

    Easy setup

    We’ll help you set up a 401(k) in as little as 10 minutes and enroll your employees for you. With the state program, you may have to do extra work on behalf of your employees during setup.
  • Visual of Guideline's mobile app icon

    Delight your employees

    With an intuitive dashboard and an award-winning mobile app4, it’s easy for your employees to access their account - anytime, anywhere.
  • Abstract visual of two bar charts.

    Comply with confidence

    Guideline has your back – meet the mandate without worrying about manual contributions and maintaining employee records.
Flexible options fit for your business
From what you need today to where you’ll be tomorrow, a Guideline 401(k) scales with your business.

  • Starter

    Simply meet your state’s mandate

    Find peace-of-mind with an out-of-the-box solution. Starter’s simplified plan design and no employer matching makes it easy and affordable to meet the state mandate.

    Meet the mandate

  • Standard 401(k)

    Comply with a more comprehensive benefit

    Take your new employee benefit further than the state requires by offering a 401(k) plan with higher savings limits and more custom plan designs.

    Beat the mandate

Calculator

Your new 401(k) could be 100% covered

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.6

Skip the state mandate stress.
Get started with Guideline today.

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See our Privacy Policy to learn how we use and protect your information.
  • 1
    As of April 2025
  • 2
    As of December 2024
  • 3
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 4

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

  • 5
    The information provided herein is general in nature and is for informational purposes only. It should not be used as a substitute for specific tax, legal and/or financial advice Guideline has prepared this summary from third-party sources as of December 2024. This information is considered to be reliable at the time of writing, may not necessarily be all-inclusive, is not guaranteed as to accuracy and is subject to change at any time without notice. You are advised to consult a qualified financial adviser or tax professional before relying on the information provided. Deadlines, fees, and other program details are subject to change by the state without notice and should be checked prior to making any decisions. If you already offer a qualified employer-sponsored plan, exemptions may be required. Please consult with your state's specific exemption information for more details.
  • 6
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.

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