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Employers

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Savers

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Accountants & advisors

Find answers to your questions, or connect with our team for more help.

Our team is available from 9 a.m.-7 p.m. ET, Monday through Friday.

Contact us

See our <a href="https://adviserinfo.sec.gov/firm/summary/281515" target="_blank" rel="noopener noreferrer">Form ADV 2A Brochure</a> for more information regarding Guideline's fees.

ADV 2A Brochure1

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

Compliance testing

Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.

Custodial services

Guideline's 3(16) fiduciary services are only available to clients who utilize an eligible payroll provider.

Fiduciary services

<a href="https://www.forbes.com/fintech/2021/#1fb2ff8331a6" target="_blank">Forbes’ Most Innovative Fintech Companies of 2022</a>

Forbes position

In general, Safe Harbor 401(k) plans automatically satisfy [Top Heavy requirements](https://help.guideline.com/en/articles/8640616-how-the-top-heavy-compliance-test-works). 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](https://success.guideline.com/helpcenter/s/article/My-plan-has-Safe-Harbor-status-can-I-change-my-employer-contribution-mid-year-Can-I-add-a-Safe-Harbor-feature-to-my-plan-mid-year).

In general Safe Harbor 401(k) plans automatically satisfy Top Heavy

May be adjusted annually to account for IRS cost-of-living adjustments. <a href="https://success.guideline.com/helpcenter/s/article/What-is-the-annual-deferral-limit" target="_blank" rel="noopener noreferrer">Learn more</a>.

May be adjusted annually

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

Square disclosure

Dependent on the promotion. Fees may include Guideline's monthly base fee, the monthly active participant fee and annual account fee on 401k assets under management transferred from your prior plan provider. This promotion does not include future or current individual participant account assets. This offer ends December 31, 2024 and cannot be combined with other offers. We reserve the right to modify or discontinue this promotion at any time without prior notice. Terms & Conditions apply. Please contact Sales at <hello@guideline.com> for further details. We require all plan sponsors transferring an existing 401(k) to Guideline to set up and maintain an Enterprise plan for at least one year. We require all legally related groups to be in our Enterprise or Starter tiers. Go to our [pricing page](https://www.guideline.com/pricing) or see our [Form ADV 2A Brochure](https://adviserinfo.sec.gov/firm/summary/281515) for more information on pricing and fees.

Stacked EOY 2024 promo

stats-date-info

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.

Tax consultation

Third-party auditor fees will apply to large plans where an audit is <a href="https://help.guideline.com/en/articles/8615240-form-5500-audit-requirements-for-large-401-k-plans" target="_blank" rel="noopener noreferrer">required.</a> These fees are not charged by Guideline.

Third-party auditor

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. 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. 

This information is for illustrative purposes only - 9/22/23

You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.

You should consult a tax professional

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# 401(k) plans, simplified by Guideline + Square

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

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 <a href='https://my.guideline.com/agreements/privacy' target='_blank' rel='noopener noreferrer'>Privacy Policy</a> to learn how we use and protect your information.

Connect with Square

Build your plan

Set a start date

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.


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


Plan management 

When employees become eligible to join the plan, we’ll notify and enroll them on your behalf—and provide full support along the way.


Employee onboarding

How payroll and a 401(k) work together

A **simplified 401(k)** with limited features and easy administration.


A **foundational 401(k)** with robust features and more plan design options.


Our **most custom 401(k)** with exclusive pricing options and premium support.


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.

Powerful plans for businesses of any size

We handle recordkeeping, custodial services, compliance testing, and guided employee onboarding.

Automated plan admin

We can help file IRS and DOL reports and sign your 5500.

3(38) and 3(16) fiduciary services

Your team can set up and manage their 401(k) account on their phone.


Mobile app

Foundational services & features on every plan

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

Help employees save more

If you’re starting a new 401(k), your small business may be eligible to receive up to <a href="https://www.guideline.com/education/articles/retirement-plan-tax-credits" target="_blank" rel="noopener noreferrer">**$16,500 in tax credits**</a> over the plan’s first three years to help offset initial plan costs.

Calculator

Estimate your plan costs

We provide educational investing webinars, portfolio recommendations, and live support.


A guiding hand

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


Simple management

The low-cost funds in our managed portfolios are diversified across asset classes. View our [full fund menu](/funds).

Low-cost investments

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


Intelligent investing

Retirement plans that put people first

invested for retirement on our platform

<a href="https://www.forbes.com/sites/jonathanponciano/2022/06/07/the-future-of-investing-fintech-50-2022/?sh=5420a1f52317" target="_blank" rel="noopener noreferrer">Forbes 2022</a>