401(k) Retirement Plan

Retirement savings made simple.

When you’re ready to help employees invest in their future, we've partnered with Guideline to offer small business 401(k) plans that are easy and affordable. Make high fees and an overwhelming setup process a thing of the past.

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Everyone saves money

Low fees help you and your employees save.

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Smart retirement savings

It’s easy for employees to enroll and choose the right investments.

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Integrated with payroll

Contributions automatically sync with payroll, so there’s nothing to update.

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Peace of mind

Our partner, Guideline, takes full responsibility for your 401(k) plan administration.

It's easy to invest in your employees' future with Gusto + Guideline.

Our 401(k) plans are integrated with payroll, so they’re simple to set up and manage. We’ve partnered with Guideline to create a guided investment approach where:

  • Contributions automatically sync with payroll. No maintenance needed.

  • The 401(k) dashboard within Gusto means just one place for all your HR

  • Employees enroll themselves online (so say goodbye to papercuts)

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Gusto 401k low fees

Low fees = more savings.

Your employees get the best portfolio fees available. You save with a low, flat fee for your company.

  • Affordable, fixed monthly fees. No advisory AUM fees.

  • Lowest portfolio fees in the industry

  • No sneaky costs or extra management fees

Your employees will love you.

Our partnership with Guideline makes it easy for your employees to enroll in 401(k) plans, weigh investment options, and keep an eye on performance.*

  • Professionally managed retirement portfolios

  • Access to experienced pros for advice

  • Changes to employee contributions and investment allocations are all made online

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Stay compliant with a trusted fiduciary

As your plan co-fiduciary, Guideline takes full accountability of every aspect of your 401(k) plan administration, so you can enjoy peace of mind.

Prices start at just $45/month

Get your teamworking with Gusto.

*Disclaimer: The information contained on this site is not intended to be and does not constitute investment advice. Such information is general in nature and is provided solely for informational purposes to our customers and is not to be construed or interpreted as a recommendation. All investment decisions are solely the responsibility of the user.

**Average fund expense of Guideline portfolios is 0.07%