Meet the state retirement mandate with an affordable, powerful retirement plan.
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Get a small business 401(k) that gives you more
At Guideline, we’ve teamed up with top providers—like Gusto, QuickBooks and Square—to automate plan administration and employee onboarding. We also take care of investments, government filings, and more.
With a Guideline 401(k), you have more options. Employer matching, profit sharing, vesting schedules, eligibility requirements—you can add these features to fit your business and create a stronger retirement benefit.
With a 401(k), your employees can contribute more than they could with an IRA. With a Guideline account, they’ll get access to low-cost investments and pay no transaction fees.
We provide 40+ investment options and professionally managed portfolios. We also provide educational webinars, portfolio recommendations, and live support—so your employees can start saving with confidence.
RetirePath Virginia is a retirement savings program created to encourage more Virginians to save for retirement. It will require employers who have been in operation for at least 2 years and have 25 or more employees to provide access to a retirement plan.
As an employer, you can choose the type of plan you’d like to offer: the state-facilitated plan or a qualified private plan, like a Guideline 401(k).
The pilot program is estimated to launch in 2023. Phased enrollment will begin on July 1, 2023.
25+ employees
Retirement plan type
401(k)
Roth IRA
Maximum employee contributions for 2023
$22,500
$6,500
Monthly employer fee
Starting at $49/month + $8 per active participant
None
Employer match
Yes
No
Profit sharing
Yes
No
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.
Invest in your business and your people.
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RetirePath will be mandatory for certain private-sector Virginia employers. For-profit and non-profit businesses will be required to register and facilitate RetirePath Virginia if all of the following criteria apply:
RetirePath Virginia is scheduled to launch on or before July 1, 2023.
Yes, when registration is available, RetirePath Virginia will notify eligible businesses.
Yes. Guideline's 401(k) plans are designed and priced with small businesses in mind. Starting a Guideline 401(k) will satisfy the Virginia retirement mandate.