Meet the mandate.
And then some.
Let someone else handle the heavy lifting for once. A little investment can go a long way to finding peace of mind.
Gusto customer? Get started
Meet the mandate.
"State retirement programs aren’t really free. You need to consider the administrative labor added to every payroll run."
Rich H., Pallas Care
20+ employees
Homecare
Current client. No compensation was provided. Views may not be representative of other clients.
Find your retirement mandate
20+ states are rolling out retirement mandates, requiring that employers offer a retirement benefit to help more people save for the future, right from their paycheck. Some states are levying heavy penalties for not complying.1
Click on your state below for more details.
Your 401(k) costs could be covered up to 100%.2
See if you’re eligibleWhy choose a Gusto 401(k) powered by Guideline?
Picking a provider that has your back can pay dividends
Streamline admin work
Take most manual admin work out of the equation with automated payroll deductions and seamless employee onboarding.Optimize your plan
Build your flexible 401(k) plan with the features your team needs, including employer matching, profit sharing, vesting schedules, eligibility requirements, and more.Delight your employees
With an intuitive dashboard and an award-winning mobile app3, it’s easy for your employees to access their account - anytime, anywhere.Comply with confidence
We have your back – Meet the mandate without worrying about manual contributions and maintaining employee records.
State governments don’t specialize in retirement. We do.
~9 minutes to get started
We help get you set up and enroll your employees for you, while the state program can add more work to your already full plate.Easy and affordable
74% of customers went with Starter over the state’s program due to less complexity or low cost.4Award-winning customer service
You and your team can get fast, live support via phone and email — bolstering an already strong benefit.5
Flexible options fit for your business
From what you need today to where you’ll be tomorrow, a Gusto 401(k) powered by Guideline scales with your business.
Starter
Simply meet your state’s mandate
Find peace-of-mind with an out-of-the-box solution. Starter’s simplified plan design and no employer matching makes it easy and affordable to meet the state mandate.Standard 401(k)
Comply with a more comprehensive benefit
Take your new employee benefit further than the state requires by offering a 401(k) plan with higher savings limits and more custom plan designs.
Calculator
Your new 401(k) could be 100% covered
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 initial plan costs.2
Don’t let the state get you down.
Choose a provider that works for you.
Gusto customer? Get started
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Payroll and 401(k)--perfectly in sync
With Gusto and Guideline together, your 401(k) experience is seamlessly synced.Sign into GustoPlans & pricing
Our 401(k) plans come with low monthly costs and no transaction fees.Compare plansTalk to a specialist
Connect with a member of our team to craft a plan that meets your needs.Schedule a call
Self-serve plans
Not a Gusto payroll customer? Not a problem.
If you have a different payroll provider and you're interested in Gusto payroll, our team is here to help. If you're not ready to switch, you can still open a Gusto 401(k). Our self-serve portal lets employers upload payroll reports and process contributions.
Book a demo
- Compatible with regular and off-cycle payroll runs
- Visibility and status of previously uploaded payrolls
- We'll supply aggregated 401(k) info