Invest in your team’s future with low-cost 401(k) plans.
Help your people save for tomorrow with budget-friendly plans today. Already have a 401(k)? You may be able to sync your plan with Gusto.
How Gusto worksPricing
Automatic payroll deductions
Integrated employee experience
Choose from a range of providers
Investing guidance for employees
Flexible plans
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 network of providers offer low fees and big value.
Automatic deductions
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.
Easy access
Employees manage their own accounts.
Your team can access their paystubs, W-2s, 401(k) accounts and contribution details — all from their Gusto account.
Uncorked,
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
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.
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
Frequently asked questions
Yes. Many of our 401(k) partners offer plans in all 50 states.
Setup and maintenance fees vary, depending on your 401(k) provider. If you already use Gusto, feel free to log in and compare pricing.
Yes, absolutely! Many of our partners allow employer-matching contributions synced with payroll.
Yes! You may be eligible for Gusto’s free 401(k) tax credit service if you’re signed up with certain integrated partners. Please check specific 401(k) providers here for additional details. With the 401(k) tax credit, eligible customers may be able to reduce their 401(k) administration expenses to $0 in their first 3 years of offering a plan.
Learn more.