Financial Advisor Partner Program
Small business 401(k) made simple for you and your clients
Gusto gives you the dashboard, fiduciary support, and fee collection tools to reduce the administrative burden of small retirement plans.
92% Plan Sponsor satisfaction score²
~4 hours average time to first response²
Majority of our 401(k) plans are net new
Who this is for
Built for advisors serving small businesses
RIAs
Advisors managing plans across multiple clients
Advisors who've been turning away small plans
Program at a glance
The support built to make small plans work
Every advisor gets the same level of support, regardless of book size or how many plans you're managing.
- 1
Your point of contact.
Every advisor is paired with a dedicated Partner Manager who knows your book and can jump in when you need them, not a ticket queue.
- 2
Fee collection, simplified.
Charge up to 1% in advisory fees on plan assets, and we handle the collection.
- 3
Flexible by design.
Supports flexible pricing arrangements and integrates with the compliance and reporting tools your firm relies on, like RPAG and Fi360.
What your clients get
More of the plan admin handled, so you can focus on advising
Fiduciary support included. 3(38) and 3(16) fiduciary services, including filing IRS and DOL reports and signing Form 5500¹.
Automated plan admin. Recordkeeping, custodial services¹, and guided employee onboarding.
Say yes to your next small business client
¹Investment 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 Retirement Services uses a third-party to provide custodial services.
²Average plan sponsor satisfaction score (CSAT) for Gusto Retirement based on feedback received from 1/1/2025 to 12/31/2025
³An assumed annual account fee of 0.25% is applied to assets under management and deducted monthly, calculated at 1/12 of the annual stated rate based on the account balance on the last day of each month. See Form ADV 2A Brochure for more information.
⁴For illustrative purposes only, not investment or tax advice. Assumes a static balance of $10,000 per month and does not account for gains, losses, distributions, or additional contributions. Does not include other fees a participant may incur, including fund expense ratios or a monthly maintenance fee for participants who end employment.