Look ahead with Gusto small business retirement plans.

You can start helping your team build a strong financial foundation for the future. Gusto’s fully integrated partners make choosing and setting up a small business retirement plan or 401(k) easier—with automated services, automatic integrations with payroll, and customer support.

How Gusto worksCreate account

Invest in your team–for less.

Gusto’s all-in-one platform fully integrates with 401(k) services to provide flexible, low-cost plans for small businesses like yours.

Streamline your benefits.

Gusto’s all-in-one platform integration enables you to manage financial and health benefits, payroll, and more without shifting gears.

Designed with compliance in mind.

 Stay compliant with state mandates and avoid potential fines by adding a Gusto-integrated 401(k) plan.


of customers feel confident that Gusto has the benefits and HR tools they need to run their business.*


of customers feel Gusto helps them stay on top of compliance and changing tax requirements.*


Gusto research finds that offering a 401k benefit reduces the chance that employees will quit within their first year by 40%.**

Low-cost investment

Raise your value, lower your costs.

Gusto has fully integrated 401(k) partners that can design a plan fitting your own particular business needs. Certain providers have no initial setup-up fees and no transaction fees. This results in more money in your pocket for the things your business needs to grow. 

Benefits integration

Sync up and save.

Our 401(k) partners seamlessly integrate with Gusto. They use technology and automation to avoid transaction fees and keep monthly prices low. There are no setup fees, no minimum number of participants, and employee contributions are automatically kept in sync and deducted every pay period. Syncing financial benefits with payroll saves you time, money, and the stress of tedious paperwork.

Compliance support

Stay ahead of the IRS.

Gusto works with 401k providers to streamline compliance support by performing regular, automated compliance checks. They even go the extra mile to offer nondiscrimination testing before the IRS does, to help identify potential issues. Read more about nondiscrimination testing and Safe Harbor plans here.

Employee accessibility

The power-to-the-people platform.

Gusto’s accessible platform empowers your employees to manage their own accounts. They can set up their new 401(k) themselves, view their plan info and receive guided portfolio recommendations. As their needs change, they can quickly adjust their contributions, which will automatically sync to Gusto and your payroll. That leaves you with less on your plate, and helps make your business that much more efficient.

Investment guidance

Guideline can light the way.

Our integrated partners make 401(k) investment simple by providing professionally managed portfolios to choose from, based on your individual investment goals. When you start setting up your 401(k) you’ll answer a questionnaire that will generate a Managed Portfolio where the percentages are preset based on your preferences. And for the savvy investors out there, our partners let you create your own Custom Portfolio from their list of investment options.

Frequently Asked Questions

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