Guideline and OnPay partnership logo

A 401(k) that syncs seamlessly with OnPay

OnPay partners with Guideline to provide a seamless 401(k)1 with low monthly costs and no transaction fees.2

Phone icon symbolizing ease of setting up a Guideline 401(k) plan.
Prefer to chat? Give us a call at (888) 228-3491.
See our Privacy Policy to learn how we use and protect your information.
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How payroll and a 401(k) work together

Our platform will securely sync your OnPay Payroll and Guideline 401(k) data so any updates or changes will be reflected in both places automatically—saving you time and hassle.

  • Plan management

    401(k) contributions are automatically deducted each pay run. No need to maintain deductions or manually re-enter payroll data.

  • Employee onboarding

    When employees become eligible to join the plan, we’ll notify and enroll them on your behalf—and provide full support along the way.
Powerful plans for
businesses of any size
Our 401(k) plans come with low monthly costs and no transaction fees. So you won’t have to pay extra for plan setup, plan transfers, or 5500 prep.3
  • Starter
    $39
    / month
    + $4/mo per active participant fee
    A simplified 401(k) with limited features and easy administration.
    Get started
    • $6,000 employee contribution limit
    • No employer contributions
    • Must be a new 401(k) plan
    • Must connect with an eligible payroll provider
  • Core
    Most popular
    $89
    / month
    + $8/mo per active participant fee
    A foundational 401(k) with robust features and more plan design options.
    Get started
    • $23,500 employee contribution limit5
    • Safe Harbor or Traditional 401(k)
    • Features like employer contributions and profit sharing
    • Can connect with any payroll provider
  • Enterprise
    $149
    / month
    + active participant fee
    Our most custom 401(k) with premium support and flexible pricing that grows with you.
    Contact sales
    • $23,500 employee contribution limit5
    • Flexible pricing options
    • Premium support for plan admin and employees
    • Support for plan transfers
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Get back up to $16,500 in tax credits4— see if you're eligible.

Foundational services & features on every plan

  • Fingers snapping simple icon.

    Automated plan admin

    We handle recordkeeping, custodial services,7 compliance testing,8 and guided employee onboarding.
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    3(38) and 3(16) fiduciary services

    We can help file IRS and DOL reports and sign your 5500.9
  • Lightening bolt simple icon.

    Mobile app

    Your team can set up and manage their 401(k) account on their phone.
  • $0 rollover fee
  • $0 loan fee
  • $0 distribution fee
See here for more information regarding Guideline’s fees.

Help employees save more

Active employees are only charged an annual account fee starting at 0.15%10 (0.0125%/month) with no transaction fees.
See here for more information regarding Guideline’s fees.

Calculator

Estimate your 401(k) 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 these plan costs.11

Retirement plans that put people first

  • A guiding hand

    We provide educational investing webinars, portfolio recommendations, and live support.
  • Seamless tech integrations

    Simple management

    Our modern dashboard and mobile app lets your employees view their savings and make updates at any time.

  • Low-cost investments

    The low-cost funds in our managed portfolios are diversified across asset classes. View our full fund menu.12

  • Intelligent investing

    All of our investment portfolios rebalance automatically to help your employees’ retirement goals stay on track.

Guideline at a glance

  • 50K+
    business clients
  • $15B+
    invested for retirement13
  • Fintech 50
    Forbes 202214
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Everyone has a future.
Now everyone can invest in one.
Let’s get started

Contact us

  • 1
    401(k) offerings are provided and administered by Guideline, an independent third party and not provided by OnPay. OnPay is not a 401(k) plan administrator, fiduciary or other provider.
  • 2

    See here for more information regarding Guideline's fees.

  • 3
    Information shown here assumes a static balance of $10,000 per month, an assumed annual account fee of 0.15% to 0.35% on assets under management (calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.15%-0.35%) 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. It’s not intended to be taken as investment advice or as an assurance or guarantee of future performance. The fee presented does not include other fees that an IRA owner may incur, including, but not limited to, from mutual fund expense ratios. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See our Form ADV 2A Brochure for more information regarding fees.
  • 4
    You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 5
    May be adjusted annually to account for IRS cost-of-living adjustments. Learn more
  • 6
    In general, Safe Harbor 401(k) plans automatically satisfy Top Heavy requirements. One exception is for plan years in which the employer makes discretionary contributions (such as profit sharing contributions) in addition to Safe Harbor contributions. Removing Safe Harbor contributions mid-year will also require plans be subject to all compliance testing.
  • 7

    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Recordkeeping services are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 8
    All plans of related entities must be administered by Guideline in order to provide compliance testing.
  • 9

    Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. 3(16) fiduciary services are offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

  • 10
    This information is for illustrative purposes only, and is not intended to be construed as investment or tax advice or as an assurance or guarantee of future performance. Investing involves risk, and investments may lose value. Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See the Form ADV 2A Brochure for more information regarding this fee.
  • 11
    This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
  • 12
    Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) are offered by Guideline Investments, LLC, an SEC-registered investment adviser. See the Form ADV 2A Brochure for more information regarding services and fees.
  • 13
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 14
    Forbes’ Most Innovative Fintech Companies of 2022

Guideline.com is owned and operated by Guideline, Inc. This website contains content from Guideline, Inc. and its affiliates, each a separate entity with different regulatory marketing requirements and standards. References to "our" or "we" on this website refer solely to Guideline RK, LLC unless otherwise specifically stated.

The information in this website is for informational purposes only and is not intended to be an offer, recommendation, investment advice, legal or tax advice, or a solicitation to buy or sell any security. By using this website, you agree to Guideline, Inc.’s Privacy Policy and Terms and Conditions of Use. Neither Guideline, Inc. nor its subsidiaries, are responsible for information provided by third parties. Information included herein from third parties is believed to be reliable however Guideline, Inc. does not guarantee the accuracy and completeness of that information.

Guideline, Inc. is a technology company that provides an integrated platform to companies who seek to work with 1) Guideline RK, LLC ("Guideline") and/or 2) Guideline Investments, LLC, an SEC Registered Investment Adviser ("RIA"), both of which are wholly owned by Guideline Holdings, LLC. Guideline Holdings, LLC is wholly owned by Guideline, Inc. Neither Guideline, Inc. nor Guideline Holdings, LLC or Guideline RK, LLC is involved in securities activities and is not registered with the SEC or FINRA. Neither Guideline, Inc., nor any of its affiliates, is a bank.

Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are selected) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments, LLC’s ADV 2A Brochure and Form CRS. References throughout this website to investment advisory services including but not limited to: investments offered, portfolios, managed portfolios, investment philosophy, assets under management (AUM), annual account fees expressed as a percentage of AUM, suitability questionnaire, 3(38) investment advisory management fiduciary services, robo-advisory services, and investment advice, unless otherwise specifically stated, are services provided by Guideline Investments, LLC. Investing involves risk and may lose money, including loss of principal. Investing is not guaranteed and past performance is not a guarantee of future performance. The investment options offered by Guideline Investments, LLC are not FDIC insured.

Recordkeeping services for Guideline’s 401(k) and SEP IRA/IRA products are offered by Guideline RK, LLC. 3(16) plan administration services are also offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. For more information on Guideline’s pricing, see here. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Any graphs, charts, and other visual aids (collectively referred to as "image(s)") are provided for information purposes only. None of these images can of themselves be used to make investment decisions. No representation is made that these will assist any person in making investment decisions and no image can capture all factors and variables required in making such decisions.

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