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On the recordRead 14 Nov 202611 facts
Guideline
Plans and prices
Starter
$49a month, billed yearly
IRS-limited employee contribution limit: $6,000 for 2025 and 2026 · No employer contributions · No plan loans · Eligible employers must not have offered a retirement plan in the last 12 months
Read 14 Nov 2026 · help.guideline.com
Core
$119a month, billed yearly
Standard employee contribution limit: $23,500 for 2025 and $24,500 for 2026 · Safe harbor and standard 401(k) designs · Employer match and profit sharing
Read 14 Nov 2026 · help.guideline.com
Premium
$179a month, billed yearly
Standard employee contribution limit: $23,500 for 2025 and $24,500 for 2026 · Flexible pricing options · Premium support · 401(k) plan transfers
Read 14 Nov 2026 · help.guideline.com
On the record
- Account security
- Gusto enforces two-factor authentication and offers SMS or authenticator-app options.guideline.com · read 14 Nov 2026
- Compliance
- Gusto says it runs daily compliance checks and includes IRS form preparation and filing.gusto.com · read 14 Nov 2026
- Encryption
- Gusto says website and app connections use TLS encryption and stored data is encrypted at rest.guideline.com · read 14 Nov 2026
- Intended users
- Gusto describes its 401(k) offering as built for small businesses and says it serves businesses of any size.gusto.com · read 14 Nov 2026
- Investment options
- The site describes six guided portfolios and a fund menu of 40 low-cost Vanguard funds.guideline.com · read 14 Nov 2026
- Payroll sync
- Gusto payroll customers can manage their 401(k) from the Gusto dashboard with automated deductions and contributions.guideline.com · read 14 Nov 2026
- Plan changes
- Plans can switch pricing tiers only once per calendar year, and Starter-to-Core-or-Premium switches are limited to January 1.help.guideline.com · read 14 Nov 2026
- Product
- Guideline provides 401(k) and IRA plans for companies and solopreneurs and has joined Gusto.guideline.com · read 14 Nov 2026
- Self-service
- Businesses not using Gusto payroll can use a self-serve portal to manage contributions and reports.guideline.com · read 14 Nov 2026
- SOC 2
- Gusto says its SOC 2 Type II attestation is available upon request with a non-disclosure agreement.guideline.com · read 14 Nov 2026
- Support
- The Guideline site directs existing 401(k) plan customers to its support team for help.guideline.com · read 14 Nov 2026
