See how easy a 401(k) can be

Elevate your benefits program — switch to a fully integrated Guideline 401(k)2 with up to 6x lower fees.3

50K+
businesses4
1M+
savers5
$15B+
invested for retirement6
fast company logo
Innovation by Design Award 20247

Why switch to Guideline

  • Magnifying glass with check mark simple icon.

    Fewer errors

    4 out of 5 customers experience fewer payroll errors since switching to Guideline.8
  • Fingers snapping simple icon.

    Easier to use

    Modern, award-winning design7 makes it easy for you and your team to set up and manage a 401(k) with confidence.
  • Clock in motion simple icon.

    Time savings

    9 out of 10 customers have saved time on 401(k) admin since switching to Guideline.9
  • Two hands shaking simple icon.

    Dedicated support

    Fast, expert support for you and your team. Plus, a single point of contact through every step of setup and beyond.

Guideline vs. The Competition


Integrations & Admin

Guideline LogoHuman InterestBetterment
Businesses served1050,000+22,000+3,000+
Online Setupcheck-circlecheck-circlecheck-circle
Direct connection with all integrated payrollscheck-circleNo, uses third-party for some payroll integrations11No, uses third-party for some payroll integrations11
Integration data sync frequencyEvery 24 hours12Not listedNot listed

Compliance

Guideline LogoHuman InterestBetterment
3(38) investment management fiduciarycheck-circleRequires specific appointment as 3(38) in Plan Sponsor’s Order Form13check-circle14
3(16) plan administration fiduciarycheck-circle15Upgrade to "Complete" tier required16check-circle14
IRS filing prep & support for all pricing planscheck-circleUpgrade to "Complete" tier required13No, prep only14
Ongoing compliance testing for all standard 401(k) planscheck-circle16Upgrade to "Concierge" tier required13Upgrade to "Flagship" tier required14
Tax credit assistance for all pricing planscheck-circle17Upgrade to "Concierge" tier required13Not listed14

Pricing tiers & fees

Guideline LogoHuman InterestBetterment
Standalone setup fee$0$499 may apply13$500 for new plans
$1,000 for conversion plans14
Monthly plan fee (paid by employer)Starter
$39
+$4-8 per participant

Core
$89
+$4-8 per participant

Enterprise
$149
+$4-8 per participant18
Essential
$120
+$5 per eligible employee

Complete
$160
+$7 per eligible employee

Concierge
$200
+$9 per eligible employee13
Essential
$100
+$5 per participant

Pro
$150
+$6 per participant

Flagship
$292
+$8 per participant14
Yearly added asset-based fee0.15%-0.35%0.72%-0.75%130.025%14
Monthly added asset-based fee0.0125%-0.029%180.060%-0.0625%130.021%14
Employer fee for eligible employees who don't participateNoneYes, employer pays for all eligible employeesNone

Don’t just take our word for it.

Here’s what Guideline customers had to say after they made the switch:
  • Brandy Letson headshot

    “I wish I hadn’t been afraid to switch 401(k) providers. If I had switched sooner, I’d have hours and hours of my life back.”

    Brandy L, Cashiers Valley Pharmacy

    Client of Guideline. Views may not be representative of other clients.
  • Portrait of Veronica Strickland

    “We switched our 401(k) over to Guideline, and I haven’t thought about 401(k) in five months. It’s HR nirvana.”

    Veronica S, Govig & Associates

    Client of Guideline. Views may not be representative of other clients.
  • Yvonne S. headshot

    "Guideline 401(k) integrates with my payroll provider and handles communication with my employees. I have nothing left to worry about."

    Yvonne S, Promolife

    Client of Guideline. Views may not be representative of other clients.
Reinvest in your team and business. Transfer your 401(k) today.
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