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The easy, affordable 401(k) for small business


Monthly plans start at $39, plus $8 per participating employee.


Get 1 month free if you open a Safe Harbor 401(k) plan by December 31.

See why 13,000+ businesses trust Guideline with their 401(k)

Our plans are designed with small business owners in mind. They’re easy to set up, seamless to manage, and affordable for both employers and employees.

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Low-cost investments

We charge no added investment fees and offer funds from Vanguard and other low-cost providers to help individuals save more.

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Simple management

We take care of plan administration, employee onboarding, investment management, government filings, and more.

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Payroll integration

We’ve partnered with top payroll providers like Gusto, QuickBooks, Zenefits, and ADP to make plan administration seamless and secure.

Two great plans

Whether you're offering a 401(k) for the first time or have an established retirement program, Guideline has a plan just for you.

View Guideline's full fee disclosure.

Startup

$39/mo base fee

+ $8/mo per participating employee


A full-service 401(k) that's easy to manage and effortlessly syncs with popular payroll providers.

Top features

  • An industry-leading 401(k) account
  • No asset-based fees for employees
  • Compliance testing & Safe Harbor plans

Prime

$99/mo base fee

+ $8/mo per participating employee


A robust 401(k) that supports the evolving needs of your growing business with dedicated service.

Everything in Startup, plus

  • New comparability profit sharing
  • A dedicated account manager
  • Support for any payroll provider

Tax credits can help offset the cost of your 401(k)

Starting a new 401(k)? You may be eligible to receive up to $16,500 in tax credits over three years to help offset plan administration costs.*

*This content is for informational purposes only and is not intended to be construed as tax advice. You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.