The small business way to 401(k)

With a Guideline 401(k), you can provide an easy, affordable and impactful retirement plan.

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state mandated retirement plans
state mandated retirement plans

State retirement programs in a nutshell

In recent years, states across the country have enacted retirement savings programs to help individuals save for retirement—potentially bridging the retirement gap for as many as 41 million U.S. workers.

While the rules of each state program vary greatly, they currently all give employers the option to choose between the state-sponsored plan or a private plan, like a Guideline 401(k). Below, you’ll find information on active or pending state retirement programs.

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Get more benefits with a Guideline 401(k)

  • Visual Integration

    Simplify your day-to-day

    We can connect with top payroll providers to automate plan administration and employee onboarding—so you can add a popular work benefit without all the added paperwork. We also take care of investment management, most government filings, and more.

  • Visual customize

    Customize your plan

    With a Guideline 401(k), you have a lot of options. Employer matching, profit sharing, vesting schedules, eligibility requirements—you can add these features to fit your business and create a stronger retirement benefit.

  • Visual zero fees

    Help employees save more

    With a Guideline 401(k), your employees can contribute up to $20,500 in pre-tax dollars toward retirement in 2022 ($27,000 if they are 50+). Plus, they’ll get access to low-cost investments and zero transaction fees.

  • Visual investing

    Give your employees confidence

    We provide 40+ investment options and 6 professionally managed portfolios. We also provide educational webinars, portfolio recommendations, and live support—so your employees can start saving with confidence.

Get the details on
your state’s plan

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Estimate your 401(k) plan costs

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.

Everyone has a future.

Now everyone can invest in one.

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