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Your team is like family. Help them build brighter futures for their kids by offering a low-cost 529 college savings plan.
A 529 plan is a college savings plan that helps your employees start saving for future education expenses today.
529 plan savings can be used to pay for tuition and expenses at any qualified college, trade school, or K-12 school.
Employees can set money aside for anyone they want — including themselves. It’s easy to change beneficiaries at any time.
Employees automatically invest post-tax income with every paycheck. When they withdraw money, they won’t pay taxes on it.
Our partner Gradvisor will help you beef up your benefits package with a 529 plan designed to help your employees get smart about savings.
Once your 529 plan is up and running, you don’t have to do a thing. Gradvisor syncs with Gusto payroll to deduct contributions every pay period.
You can offer 529 college savings plans to your team for a minimum of three employees or $18 per month.
Average cost for one year of public college tuition and fees.
Cost of college today compared to 10 years ago.
Percentage of employees who say they’re interested in a 529 plan at work.
sources: College Board, Trends in College Pricing 2018 & College Board, Annual Surveys of Colleges
Employees are in charge of what they save and can easily manage and track their contributions over time.
Gradvisor offers your team personalized advice for their goals, at no extra charge.
Employees can easily manage their contributions on a dashboard in Gusto.
College savings aren’t taxed at withdrawal, so employees keep more of what they save.
Behind every successful business is a thriving team. Hire, pay, insure, andsupport your employees with Gusto’s all-in-one people platform.Learn more
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Do you offer 529 plans in my state?
Yes. 529 plans are available through our partner, Gradvisor in all 50 states.
How does a 529 plan work?
Earnings from a 529 plan aren’t subject to federal tax and generally aren’t subject to state tax when used to pay for qualified education expenses. Some states provide tax deductions or credits to employees for 529 contributions, and some states also provide employers with tax credits for matching 529 contributions. Because state tax treatment of 529 plans varies by state, we recommend you consult your tax advisor about your state and local taxes. Learn more.
How do I get set up?
After setting up payroll, you can easily start the process right from your Gusto account. Then, you’ll speak with a Gradvisor advisor to complete your selection and invite your employees to enroll.
What does it cost?
There’s no setup fee for 529 plans. Employers pay $6 per participant per month, with an $18 per month minimum. Learn more.
Can I set up matching?
Yes, you have the option to boost employee savings with automatic company contributions. Learn more.