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 5 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, doesn't charge participant fees on investments and the funds in their managed portfolios have an industry-low blended average of 0.06%. Over time, lower costs mean much bigger savings.

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.

*Disclaimer: The graph above is hypothetical and does not represent actual performance results of Guideline’s portfolios. It is provided for illustrative purposes only and is not intended to constitute investment advice nor an assurance or guarantee of future performance. Investing involves risk of substantial loss as investments may lose value.

The returns presented in the graph above are based on the historical performance of the S&P 500 index, and represent returns for time periods that preceded Guideline’s existence. As such, they may not reflect the impact that material economic and market factors might have had on Guideline’s decision-making if Guideline was managing portfolios during such time periods. The returns presented represent the hypothetical returns achieved by two funds achieving the same underlying performance, net of management fees of 1.14% and 0.06%.

$5,750 in annual contributions represents the average annual contributions made by participants in Guideline’s employer-sponsored 401(k) plans. A 40 year career is the length of a career that begins after college and ends with social security eligibility. 7.6% annual returns are based on the historical performance of the S&P 500 and its predecessor indices from December 31, 1928 to December 29, 2017. 1.14% represents the average assets under management (AUM) fees of 401(k) plans with $1 million to $10 million in AUM based on a 2018 Brightscope/ICI study of 401(k) plans. 0.06% represents the blended average AUM fees for the funds in Guideline’s managed portfolios.