We charge no added investment fees and offer funds from Vanguard and other low-cost providers to help individuals save more.
We take care of plan administration, employee onboarding, investment management, government filings, and more.
We act as your ERISA 3(16) and 3(38) fiduciary to help reduce your potential for liability.*
*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.
Frequently asked questions
How is Guideline’s pricing structure set up?
Guideline doesn’t charge added Assets Under Management (AUM) or any added asset-based fees in our pricing. Our technology infrastructure allows us to bring nearly every service in house. So we can charge one predictable, flat monthly fee that covers the costs of plan administration.
Does Guideline accept commission fees or pass along additional fees to plan sponsors?
We don’t accept any commissions nor do we have 12b-1 fees for the mutual fund offerings.
What do 3(16) and 3(38) fiduciaries do?
A Section 3(16) Plan Administrator is responsible for keeping the plan in compliance with ERISA as well as handling IRS and DOL reporting and participant disclosures. By choosing to pass these duties on to a 3(16) fiduciary, you can reduce your burden to your business — as long as you carry out your own fiduciary obligation of monitoring service providers.
A Section 3(38) Investment Manager can have full control over all of a plan’s assets and investment choices. Where selected, they take on the liability for investment management.
What government filings does Guideline handle?
We prepare annual reports for no extra fee, including Form 5500 and 1099-R.
Does Guideline run compliance tests?
Yes, we perform IRS nondiscrimination testing. We also manage and facilitate any required corrections.
Does Guideline provide recordkeeping services?
Yes, we serve as your plan’s recordkeeper. We’ll track all of your 401(k) plan’s balances, transactions, withholdings, and deferrals.