Invest in your team’s future with low-cost 401(k) plans.
Get your team saving for tomorrow with budget-friendly plans today. Already have a 401(k) provider? Sync your current plan directly to Gusto. Now available for select providers.
Automatic payroll deductions
Integrated employee experience
Choose from a range of providers
Investing guidance for employees
Any type of plan for any type of budget.
Gusto’s growing list of 401(k) partners means plenty of plans to choose from. Our preferred provider, Guideline, offers low fees and big value.




Gusto payroll syncs with your 401(k) provider.
Which means less manual work for you: contribution deductions every pay period, employee data is seamlessly synced, and in most cases, fund transfers to your 401(k) provider with no extra work for you.
Employees manage their own accounts.
Your team can access their paystubs, W-2s, 401(k) accounts and contribution details — all from their Gusto account.




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
Add your existing plan, or choose a new provider.
It’s easy to move an eligible 401(k) plan right into Gusto. Our growing list of 401(k) partners means more choices for you and easier access for your employees. If you already use Gusto, feel free to log in and compare plans.


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
Frequently asked questions
Do you offer 401(k) plans in my state?
Yes. Many of our 401(k) partners offer plans in all 50 states.
What does it cost?
Setup and maintenance fees vary, depending on your 401(k) provider. If you already use Gusto, feel free to log in and compare pricing.
Can I offer matching?
Yes, absolutely! Many of our partners allow employer-matching contributions synced with payroll.