Terms

Last updated: Aug 21, 2026

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Gusto 401(k) - General Disclosure

Material provided herein may contain content from Gusto, Inc. and its affiliates, each a separate entity with different regulatory requirements and standards. References to “our” or “we” refer solely to Gusto Retirement Services LLC (“Gusto Retirement” or “Gusto 401(k)”) unless otherwise specifically stated. The information in this material is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security.

Investment advisory services for Gusto’s 401(k) (when 3(38) fiduciary services are selected) and IRA products are offered by Gusto Investment Services, LLC, an affiliated SEC-registered investment adviser. For more information regarding these services, see the ADV 2A Brochure and Form CRS.

Recordkeeping services for Gusto’s 401(k) and IRA products are offered by its affiliate, Gusto Retirement Services, LLC. 3(16) plan administrative services are also offered by Gusto Retirement Services, LLC and only made available to clients who use the integration services available through Gusto’s payroll service.

Gusto 401(k) - Safe Harbor Promotion

This offer is only available to new 401(k) plans (i.e. not a conversion plan) established with Gusto Retirement. Employer fees included in this promotion are the monthly base fee and monthly per-employee charged to the 401(k) plan sponsor. Other employer-paid service fees are not included in this promotion. Fees paid for payroll services are not included in this promotion. Participant-paid fees are not included in this promotion and will still apply. See here [https://my.guideline.com/agreements/fees] for more information regarding fees. Not every 401(k) tier may be included in this promotion. This offer ends September 15, 2026 and can’t be combined with other offers. Flexible pricing opportunities may affect this promotion. We reserve the right to modify or discontinue this promotion at any time without prior notice.

Gusto 401(k) - Switcher Promotion

Fees included in this promotion are the monthly base fee charged to the 401(k) plan sponsor and the monthly active participant fee. Fees paid for payroll services are not included in this promotion. Other employer-paid service fees are not included in this promotion. Participant-paid fees are not included in this promotion and will still apply. See [here 🔗 https://my.guideline.com/agreements/fees ] for more information regarding fees. Not every 401(k) tier may be included in this promotion. Flexible pricing opportunities may affect this promotion. We reserve the right to modify or discontinue this promotion at any time without prior notice.

We require all plan sponsors transferring an existing 401(k) to Gusto Retirement to set up and maintain an Enterprise plan for at least one year. After one year, the plan will be eligible to switch to a different pricing plan. We require all legally related groups to be in our Enterprise or Starter tiers.