Invest in your team’s future with low-cost 401(k) plans.

Get your team saving for tomorrow with budget-friendly plans today.

Low-cost, low-fee
Investing guidance
for employees
Built-in compliance
Gusto + Guideline

Designed for small business budgets.

We partner with Guideline to bring you 401(k) savings with low fees and big value. There are no setup fees and no minimum number of participants.

hands with apple, glasses, and coin
Payroll application illustrations
Syncs with payroll

Simplify your life by syncing 401(k) with payroll.

Guideline syncs with payroll so employee contributions are automatically deducted every pay period, with no extra work for you.

Employee experience

Employees manage their own accounts.

Employees can set up a new 401(k) in 20 minutes. They’ll receive guided portfolio recommendations from Guideline and can quickly adjust their contributions as their needs change.

Gusto customer: Uncorked


Gusto customer

Gusto image

MIKADO International,

Gusto customer

Why offer a 401(k)?

Great benefits help you build a great team.

Your team is essential to your success — help them build a strong financial foundation for the future.

Did you know?

Nearly 70 million Americans don’t have a retirement savings plan at work, but workers are 15 times more likely to save when their employers offer one.

Source: National Conference of State Legislators

Why Guideline

Lower fees, bigger savings.

Our 401(k) partner, Guideline, seamlessly integrates with Gusto. They use technology and automation to avoid transaction fees and keep monthly prices lower than the industry average.

Graph of potential retirement savings
The people platform

So much more than benefits.

Teams are at the heart of every business. That’s why we built the people platform — one place with everything you need to build an incredible workplace.

Get started

Get your team working with Gusto.

¹ The annual account fee of 0.08% applied to assets under management is calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%) based on the account balance on the last day of each month.

² Guideline’s managed portfolios have blended expense ratios ranging from 0.064% to 0.07% of assets under management. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup.

³ The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.68% of assets, according to the 20th Edition of the 401k Averages Book, with data updated through September 30, 2019, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges.