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Guideline

End-to-end managed 401(k) and IRA plans

Overview

Guideline provides affordable, customizable retirement plans for businesses, focusing on 401(k) plans and IRAs. It handles end-to-end retirement plan management, including automatic enrollment, compliance testing, and fiduciary oversight as a 3(38) fiduciary, so investments are managed in employees’ best interests. The service is sold on a low, monthly subscription, with optional add-ons such as profit sharing, vesting schedules, and matching. Guideline also offers Guideline Pro, a platform that helps financial and benefits professionals advise clients and manage plans. Compared to others, Guideline emphasizes low fees, simple setup, and customizable features for small to mid-size businesses and professions like dental practices. Its goal is to make retirement benefits easier to offer and more affordable, helping more people save for retirement while reducing costs for employers.

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About Guideline

Simplify's Rating
Why Guideline is rated
B
Rated B on Competitive Edge
Rated A on Growth Potential
Rated C on Differentiation

Industries

FintechFinancial Services

Company Size

51-200

Company Stage

Series E

Total Funding

$339M

Headquarters

San Mateo, CA

Founded

2015

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Simplify Jobs

Simplify's take

What believers are saying

  • Gusto said the acquisition closed by 2026 and unified 401(k) access inside its dashboard.
  • Guideline claimed 65,000 customers and $20 billion in assets in August 2025.
  • Gusto Retirement Services now handles administration and compliance, reducing employer friction and churn.

What critics are saying

  • Human Interest attacked Guideline’s fee claims in January 2026, signaling aggressive competitor pressure.
  • Gusto now owns Guideline, so product priorities can shift away from standalone employer acquisition.
  • If Gusto bundles retirement into payroll, Guideline becomes a feature, not a company.

What makes Guideline unique

  • Gusto 401(k) uses Guideline’s integrated payroll-retirement stack and 40 Vanguard funds.
  • Guideline still offers self-serve 401(k) administration with automated recordkeeping and compliance testing.
  • Its flat per-participant pricing contrasts with asset-based 401(k) fees across the market.

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Funding

Total Funding

$339M

Above

Industry Average

Funded Over

6 Rounds

Series E funding typically includes additional rounds after Series D if the company needs more capital. The business is usually stable, and these rounds are typically used for further expansion or to address market challenges.
Series E Funding Comparison
Above Average

Industry standards

$100M
$245M
$250M
$1.3B
$1.5B

Benefits

  • Flexible vacation policy
  • Company equity
  • 401(k) with matching contributions
  • 100% paid employee insurance coverage
  • Annual learning & development stipend
  • Parental leave
  • Sabbatical after 5 years of employment

Growth & Insights and Company News

6 month growth

-3%

1 year growth

-16%

2 year growth

5%
Guideline
Nov 6th, 2025
It's official: Guideline has joined Gusto

It's official: Guideline has joined Gusto. CEO and Founder of Guideline Today marks a milestone Guideline, Inc. is proud to share: Gusto's acquisition of Guideline is now complete. Guideline, Inc. is excited to announce the launch of Gusto 401(k) powered by Guideline. Guideline, Inc. has worked with Gusto since 2016, united by a simple but powerful belief that small businesses deserve access to the same caliber of tools and benefits that larger companies have access to. Together, Guideline, Inc. has helped 34,000+ businesses offer a 401(k) and save $10B towards retirement.[1] And now, Guideline, Inc. is taking that partnership to the next level. Payroll + 401(k) - better together. By coming together, Guideline, Inc.'ll help make it easier than ever for small businesses to stay compliant, offer high-quality benefits, and give their teams a real path to financial security. This means business owners will be able to set up all their benefits in one place, employees will onboard and update their benefits using a single app, and compliance requirements, taxes, and payments will be easily managed on a single dashboard. If you're currently a Gusto customer who uses Guideline, you already know how well Guideline, Inc. work in tandem. If you're a Gusto customer looking to offer a new 401(k), here's what you can look forward to: * A seamlessly integrated experience. Gusto is the #1 rated HR platform for payroll, benefits, and more.[2] Your 401(k) and payroll will work together as one unified solution: one login, one great experience for you and your team. * Less time on admin, more time on your business. With automated payroll syncs handling deductions, contributions, and employee data, you can focus on what matters most: growing your business while supporting your team and your customers. * Complexity and compliance handled for you. Just like Gusto payroll helps with all of your filings and compliance, your Gusto 401(k) can handle the hard parts. Guideline, Inc. take care of automated recordkeeping, compliance testing,[3] fiduciary obligations, and annual reporting, all while keeping you compliant with state retirement mandates. * A valuable benefit for your employees. Your team gets access to a retirement plan with low fees, professionally managed investment options, personalized guidance, and an intuitive mobile app that can make saving for the future feel achievable, not overwhelming.[4] And if you're a business who uses a different payroll provider, you can bring payroll and 401(k) together under one roof by switching to Gusto, or get a Gusto 401(k) through a self-service experience. The power of retirement benefits. For small businesses, every benefit you offer can be a statement about your values. You can hear that directly from teams that rely on a 401(k) from Gusto, like Farmgirl Flowers, Be Bright Coffee, and Dax Lee's Barbershop.[5] Retirement benefits can have a meaningful impact on your team's financial future while helping you attract and retain top talent. * 93% of employees agree that a retirement benefit influences their likelihood of choosing to work for an employer[6] * 81% of employees ranked retirement as one of their top two benefits * One in two employees would turn down a job offer from a company that does not offer a retirement benefit[7] Offering a retirement benefit can send the message to your team that you're invested in their future. That's never been as easy as it is today. By bringing Guideline into Gusto, Guideline, Inc. is creating a straightforward way for small businesses to offer retirement benefits that actually can make a difference. What's next. If you already use both platforms, you will notice that your 401(k) looks more unified. Guideline, Inc. will continue to make the experience more seamless and are committed to making this transition smooth. Going forward, Guideline, Inc. will introduce new features and updates that will make the entire Gusto experience (including retirement) better. Together, Guideline, Inc. will create a unified platform and launch new products that take your retirement benefits even further. Here's to the next chapter of retirement and financial benefits - together. * Want to log into your existing 401(k)? Click here * Looking to offer a new 401(k)? Talk to its team * Ready to start your payroll and benefits journey? Get started with Gusto

TechStartups
Aug 27th, 2025
Gusto acquires retirement tech startup Guideline to expand HR and payroll platform

Payroll startup Gusto acquires retirement plan provider Guideline, strengthening its push into 401(k) plans.

CNBC
Aug 27th, 2025
Gusto acquires Guideline for retirement plans

Gusto, a payroll and HR software startup valued at $9.3 billion, announced its agreement to acquire Guideline, a corporate retirement plan provider. The terms of the deal were not disclosed. Gusto, originally ZenPayroll, has offered 401(k) plans through a partnership with Guideline since 2016. Post-acquisition, Guideline's integrations with other payroll companies like ADP and Intuit will continue, according to Guideline CEO Kevin Busque. Both companies focus on small businesses.

MarTech Vibe
Aug 19th, 2025
Guideline Launches Ad Data Innovation Suite

Guideline launches Ad Data Innovation Suite.

Foundry512
Jul 25th, 2025
F512 Enables Agency-Wide 401K Program: Investing in Our People's Futures

Foundry512 has selected Guideline as its plan provider.

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