401(k) Retirement Plan

Retirement savings made simple

A small business 401(k) plan allows you to invest in your employees’ future, but managing one can be overwhelming. We can help. Our setup process is simple, employees enroll online, and retirement contributions are automatically synced with payroll.

Integrated with payroll

Contributions automatically sync with payroll. No maintenance required!

Save money faster

With low fees for you and your employees, everyone saves money.

Smart retirement savings

Employees can easily enroll and save for the future.

Peace of mind

Guideline takes full accountability of your 401(k) plan administration.

401(k) made easy for small businesses

Our 401(k) solution is integrated with payroll, making it easy to set up and manage your company's plan. We've partnered with Guideline to create a 401(k) experience that is simple and guided.

  • Contributions automatically sync with payroll. No maintenance required!
  • Your 401(k) dashboard within Gusto surfaces your employees' contributions
  • Employees sign up online — eliminate all that paperwork!
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“Having our 401(k) contributions automatically reflected in payroll saves us so much valuable time.” Brad Demeter Founder, Modestspark

401(k) Overview Employees Contribution History Employee Participation Rate Current Account Balance 100% $224,527.02 Offering a 401(k) is a great way to take care of your employees and encourage them to save for retirement. Your company’s 401(k) is fully integrated with payroll, so we will automatically take care of all the necessary deductions and help your employees enroll. That’s above the national average (88%)! Assets under management Participant Eligibility Company Contribution Scheme Minimum age: 18 You don’t have a Safe Harbor Plan
Gusto's employer-sponsored 401(k) retirement plans

Low fees = more money saved

With the lowest portfolio fees in the industry and a low flat fee for your company, everyone gets to save more money.

  • Affordable, flat monthly fee for your company. No advisory AUM fees.
  • The lowest portfolio fees in the industry
  • No hidden costs or extra management fees
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“Gusto and Guideline provided us with the easiest integration, lowest fees, and best array of investment options for our 401(k) plan.” Lisa Anne Logan, Designer Fund General Manager, Designer Fund

Make retirement savings simple for your employees

Guideline makes it easy for your employees to enroll in a 401(k) plan and learn about investment options, customize their portfolios, and monitor their fund's performance.*

  • Professionally managed portfolios
  • Access to experienced professionals for investment advice
  • Employees can change contributions, plans, or fund allocations online
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“Gusto's 401(k) solution is completely hands-free; we signed up the rest was taken care of!” Gavin Crynes, Fare Resources Partner, Fare Resources

Gusto offers simple investing for your employees.

Stay compliant with a trusted fiduciary

As your plan co-fiduciary, Guideline takes full accountability of every aspect of your 401(k) plan administration, so you can enjoy peace of mind.

*Disclaimer: The information contained on this site is not intended to be and does not constitute investment advice. Such information is general in nature and is provided solely for informational purposes to our customers and is not to be construed or interpreted as a recommendation. All investment decisions are solely the responsibility of the user.

**Fund expenses in Guideline portfolios range from an additional 0.09% - 0.15%