1 2 7 8 days 0 6 7 hrs Start a 401(k) plan by 12/31/2021. Pay no employer fees for 3 months.8 ProductsPricingIntegrationsResourcesLog In PRICING Save money while saving money In an industry full of complicated pricing and excessive fees, we offer affordable 401(k) plans with no transaction fees Get started See the fees you won’t be paying We use technology to our advantage to automate many 401(k) administrative tasks. Those that can’t be automated, are handled by our team of account specialists. This allows us to keep monthly prices low while eliminating transaction fees. So you can create a roadmap to retirement and minimize fees along the way.1 No rollover fees No loan fees No distribution fees No plan termination fees No 5500 prep fees COST FOR EMPLOYERS Get the 401(k) pricing plan that works for you Core $49/month + $8 per active participant A seamless Safe Harbor 401(k) for small businesses that want to make an employer contribution. Payroll integration with Gusto, QuickBooks Online, and 15+ other providers. Automated recordkeeping, plan admin, and employee onboarding. We serve as your 3(38) and 3(16) fiduciary and handle certain IRS and DOL reporting and filings. Get started Flex $79/month + $8 per active participant A 401(k) for businesses that want the flexibility to pick and choose features to meet their goals. Everything in our Core plan, plus: Flexibility to open a Safe Harbor 401(k) plan or traditional 401(k) plan. Add features like employer contributions, profit sharing and vesting schedules. We conduct additional IRS nondiscrimination testing for traditional plans. Get started Max $129/month + $8 per active participant Our most customizable 401(k) for business owners who want to maximize savings and receive dedicated support. Everything in our Flex plan, plus: Custom features like new comparability profit sharing. Dedicated onboarding specialist and account manager. Support for controlled group plans. Get started See all the features Learn more about our fees and services. Does your business currently have a 401(k)? All existing 401(k) plan transfers must open a Max plan and maintain it for at least one year. Estimate your plan costs If you’re starting a new 401(k), your small business may be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset plan costs.2 Does your company currently offer a 401(k)? Yes No How many employees (including owners)? Employees How many owners of the company? Owners How many employees earned more than $125,000 last year? (not including owners) High earners Guideline pricing plan Choose One... Core Flex Max Estimate your costs COST FOR PARTICIPANTS 0.08% per year3 That comes out to 67¢ a month for every $10,000 saved.4 Read more about our fees Retirement plans that put people first Low-cost funds The funds in our managed portfolios are from low-cost providers like Vanguard. A guiding hand We offer investment portfolio recommendations, financial education, and live customer support. Intelligent investing All of our investment portfolios rebalance automatically to help you stay on track. Simple management Our modern dashboard lets you view your savings and make updates at any time. 85% Customer satisfaction score5 Join 20,000+ companies that have chosen to save with Guideline Get started Self-employed or own a small family business?See if our SEP IRA is right for you FEATURES ON ALL PLANS Everything we do helps you do more Plan Management 3(16) plan administrator Recordkeeping Annual compliance testing Employee & employer dashboards Detailed employee roster 360 payroll integration Ongoing support Employee onboarding Support for any payroll provider Phone & email support Help center and video library Self-serve reports Filing and reporting Form 5500 Form 1099-R Form 8955-SSA Investment management 3(38) investment manager Professionally managed portfolios Low-cost mutual funds Automatic rebalancing Unlimited contribution changes Loans & hardship withdrawals Plan design features Safe Harbor Employer contributions Owner participation ADDITIONAL FEATURES ON UPGRADED PLANS Flex Plan features Vesting schedules Profit sharing Optional employer contributions Max Plan features New comparability profit sharing Dedicated account manager Customizable financial & billing reports Frequently asked questions What fees do employers pay? Employers pay a flat monthly base fee and a flat monthly participant fee based on the number of participants in the plan for plan administration. In addition, if an employer is participating in the plan, his or her account will also be charged, as a 401(k) plan participant, a 0.08% account fee on assets under management.6 Learn more. When do employers start getting invoiced? What fees do active employees pay? What happens when an employee leaves my company? How are former employees’ accounts charged? What does the 0.08% account fee cover? What fees have you removed and why? What kind of customer support and education does Guideline provide? How much does it cost to terminate the plan? Can I use a credit card to pay for the monthly base cost? We’re here to help Live US-based support (888) 228-3491 Sales: 6am - 4pm PST, Mon - Fri Support: 6am - 4pm PST, Mon - Fri hello@guideline.com 1 See Guideline's services and fee disclosure. Refer to Guideline’s ADV for additional information regarding Guideline’s fees. 2 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. 3 The annual account fee of 0.08% applied to assets under management is calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%) based on the account balance on the last day of each month. 4 This information is for illustrative purposes only and does not represent the actual costs you may incur as a Guideline client. Information shown here assumes a static balance of $10,000 per month, an annual account fee of 0.08% on assets under management (calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%)) based on the month-end account balance, and does not account for common factors that affect the value of your account balance over time such as gains, losses, distributions, additional contributions, etc., and is not intended to constitute investment advice nor an assurance or guarantee of future performance. The fee presented does not include other fees that a 401(k) participant may incur, including from mutual fund expense ratios and a monthly maintenance fee to participants who end employment. 5 This customer satisfaction score represents Guideline's average CSAT score from feedback submitted between January 1, 2021 to March 31, 2021. 6 The annual account fee of 0.08% applied to assets under management is calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%) based on the account balance on the last day of each month. 7 This information is for illustrative purposes only and does not represent the actual costs you may incur as a Guideline client. Information shown here assumes a static balance of $10,000 per month, an annual account fee of 0.08% on assets under management (calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%)) based on the month-end account balance, and does not account for common factors that affect the value of your account balance over time such as gains, losses, distributions, additional contributions, etc., and is not intended to constitute investment advice nor an assurance or guarantee of future performance. The fee presented does not include other fees that a 401(k) participant may incur, including from mutual fund expense ratios and a monthly maintenance fee to participants who end employment. 8 Customers who sign up for a 401(k) by December 31st, 2021 pay no monthly base fee and no $8 monthly participant fee for 3 months after the new plan begins. This offer cannot be combined with other offers. 1645 E 6th Street Suite 200 Austin, TX 78702 (888) 228-3491 hello@guideline.com FacebookLinkedInTwitterInstagram Product Payroll Integration Security Investments Company About Blog Press Careers Resources Support Privacy Terms of Service ADV & CRS Guideline.com is owned and operated by Guideline, Inc. (“Guideline”), an SEC-registered investment adviser. Investment-related content is provided for general information purposes only, and is not intended to be construed as investment advice. Investments involve risk and are not guaranteed.