401(k) plans, simplified by Guideline + Square

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

1
Connect with Square
2
Build your plan
3
Set a start date

Square is not a client of Guideline. Guideline pays a fee for each 401(k) & SEP IRA client referred by Square as outlined in our written solicitation arrangement with Square. We'll provide additional disclosures prior to opening an account with Guideline. See our Privacy Policy to learn how we use and protect your information.³

Man with facial hair wearing a green shirt with collar, and glasses smiling and looking into the camera.

How payroll and a 401(k) work together

Our platform will securely sync your Square 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.⁴

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
- $23,000 employee contribution limit⁶
- 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 scales with your business.
Contact sales
- $23,000 employee contribution limit⁶
- Flexible pricing options
- Premium support for plan admin and employees
- Support for plan transfers

Get back up to $16,500 in tax credits⁵— see if you're eligible.

Foundational services & features on every plan

Automated plan admin
We handle recordkeeping, custodial services,⁸ compliance testing,⁹ and guided employee onboarding.
3(38) and 3(16) fiduciary services
We can help file IRS and DOL reports and sign your 5500.¹⁰
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

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Help employees save more

Active employees are only charged an annual account fee starting at 0.15%¹¹ (0.0125%/month) with no transaction fees.

Refer to Guideline’s Form ADV 2A Brochure for additional information regarding Guideline’s fees.

Calculator

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 initial plan costs.³

Retirement plans that put people first

A guiding hand
We provide educational investing webinars, portfolio recommendations, and live support.
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.
Intelligent investing
All of our investment portfolios rebalance automatically to help your employees’ retirement goals stay on track.