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

Get your team saving for tomorrow with budget-friendly plans today. And coming early 2022, you can integrate your existing 401(k) plan (available for select providers).

Piggy Heart

Low-cost, low-fee


Investing guidance for employees

Dollar Sync

Syncs with Gusto payroll


Built-in compliance help

Gusto + Guideline

Affordable plans for your budget.

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.

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

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.

The people platform

Manage your growing
team, all in one place.

Behind every successful business is a thriving team. Hire, pay, insure, and
support your employees with Gusto’s all-in-one people platform.
Learn more

Get started

Get your team working with Gusto.

Get started