--- title: Gusto 401(k) Reviews meta_title: 'Gusto 401(k) Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 1156 reviews by the users' company size, role or industry to find out how Gusto 401(k) works for a business like yours. aggregate_rating: rating_value: 4.5 review_count: 1156 scale: '5' date_modified: '2026-08-07' parent_category: name: HR url: https://www.g2.com/categories/hr --- # Gusto 401(k) Reviews **Vendor:** Gusto **Category:** [401(k) Software](https://www.g2.com/categories/401-k) **Average Rating:** 4.5/5.0 **Total Reviews:** 1,156 ## About Gusto 401(k) Guideline 401(k) is now part of Gusto. We provide a modern, integrated 401(k) experience for businesses and their teams. As part of the Gusto ecosystem, Guideline offers streamlined retirement solutions designed to simplify plan management, administration, and compliance. Employees receive a user-friendly experience to enroll and manage their financial future. Our mission is to help companies effortlessly offer a powerful retirement benefit their team can truly appreciate. For informational purposes only. Should not be considered investment or tax advice ## Gusto 401(k) Pros & Cons **What users like:** - Users find the **ease of use** of Guideline exceptional, allowing quick adoption and smooth implementation for teams. (144 reviews) - Users find the **easy setup** of Guideline intuitive and accessible, simplifying the onboarding process for their teams. (106 reviews) - Users appreciate the **helpful customer support** from Guideline, making interactions smooth and issue resolution prompt. (70 reviews) - Users appreciate the **seamless integration** with QuickBooks, making payroll management easy and user-friendly. (70 reviews) - Users commend the **ease of use** in 401k Management, highlighting its simple setup and integration with payroll systems. (59 reviews) - Payroll Integration (54 reviews) - Simple (50 reviews) - Affordable (49 reviews) - Automation (42 reviews) - Integrations (40 reviews) **What users dislike:** - Users find the **limited investment options** of Guideline disappointing, especially the lack of cryptocurrency exposure. (16 reviews) - Users feel that **limited options** for investment customization restrict their ability to tailor portfolios effectively. (15 reviews) - Users find **limited customization options** for reporting and plan configurations, impacting detailed requirements and flexibility. (13 reviews) - Users express frustration with **poor customer support** , experiencing delays and difficulty in getting timely assistance. (13 reviews) - Users feel there is **inadequate guidance** for investment decisions, leaving teams without necessary support and control. (11 reviews) - Users find **difficulty understanding** Guideline's processes and policies, leading to frustrating experiences and financial impacts. (10 reviews) - Users find the product **expensive** , considering the cost could be lower and is more than alternatives. (10 reviews) - Users are frustrated by the **ongoing price increases** that significantly raise the monthly cost of Guideline. (10 reviews) - High Fees (9 reviews) - Payroll Issues (9 reviews) ## Gusto 401(k) Reviews ### 1. Good experience using their services **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** August 28, 2025 **What do you like best about Gusto 401(k)?** Easy to work with them, and their customer service. **What do you dislike about Gusto 401(k)?** no wrongs whatsoever found, never had an bad issue to report **What problems is Gusto 401(k) solving and how is that benefiting you?** Integration with our payroll provider is a plus, we are using Guideline as part of the benefits package we offer to our associates. ### 2. Great, easy to setup and use **Rating:** 4.5/5.0 stars **Reviewed by:** Christine S. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 26, 2025 **What do you like best about Gusto 401(k)?** Easy set up to get started as a new business owner. **What do you dislike about Gusto 401(k)?** Automatic enrollment is tough, most of my employees are not interested and forget to opt out. **What problems is Gusto 401(k) solving and how is that benefiting you?** We are required to offer this to our employees. ### 3. Switched to Guideline from large payroll 401k **Rating:** 5.0/5.0 stars **Reviewed by:** Shaun P. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** April 29, 2025 **What do you like best about Gusto 401(k)?** The customer service and transparency. I was with a large payroll provider before Guideline. I was paying 8X more for the 401k before I switched. We were a small 10 employee company at the time. Wish I had found them sooner. Guideline has a plug-in and pulls from my payroll each week. I like the dashboard that shows my staff what they have saved. **What do you dislike about Gusto 401(k)?** That I didn't find them sooner. The privous provider was charging fees costing my company and staff. **What problems is Gusto 401(k) solving and how is that benefiting you?** Helping create affordable 401k. It is solving the problem of keeping/retaining good staff. You have to offer more than a paycheck. ### 4. Simple, Easy and Comprehensive **Rating:** 4.5/5.0 stars **Reviewed by:** Philip C. | Director of Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2025 **What do you like best about Gusto 401(k)?** I like that it is integrated with our HR/Payroll platform Gusto and it automatically draws information from Gusto so I don't need to manually extract or provide any information. **What do you dislike about Gusto 401(k)?** From time to time there are errors and corrections are made on contributions. **What problems is Gusto 401(k) solving and how is that benefiting you?** Ease of use all in one package that integrates with my payroll. ### 5. Easy to use and understand, user friendly **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Financial Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 17, 2025 **What do you like best about Gusto 401(k)?** It's straightforward as a user and as an admin. Easy to navigate and implement, customer service has been great. **What do you dislike about Gusto 401(k)?** I cannot think of anything negative to say **What problems is Gusto 401(k) solving and how is that benefiting you?** Integration with our payroll system ### 6. Low maintenance 401K solution **Rating:** 4.0/5.0 stars **Reviewed by:** Amara H. | Partner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** Guideline was an easy transition for our team (Simple IRA to 401K) and as a business owner it is simple to administer. **What do you dislike about Gusto 401(k)?** Statements and snapshots of balances are difficult to find. **What problems is Gusto 401(k) solving and how is that benefiting you?** Streamlining payroll with retirement savings. ### 7. Low cost, no frills approach to 401k management **Rating:** 4.0/5.0 stars **Reviewed by:** Garrett V. | Owner/CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** Low cost of being able to offer a starter 401k plan **What do you dislike about Gusto 401(k)?** Limited functionality for portfolio management for my employees **What problems is Gusto 401(k) solving and how is that benefiting you?** Allowing me to offer a competitive package to my employees without adding too much to my costs ### 8. Easy to use **Rating:** 4.5/5.0 stars **Reviewed by:** Abbey M. | HRG, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2025 **What do you like best about Gusto 401(k)?** I really like that Guideline offers an auto-enroll feature as well as keeps us compliant as a non-Safe Harbor plan. It is also very easy to use on the admin and user interface. Also, it integrates with our HRIS. **What do you dislike about Gusto 401(k)?** Nothing comes to mind at the moment for me! **What problems is Gusto 401(k) solving and how is that benefiting you?** Keeping 401(k) plan administration easy ### 9. Onboarding with Guideline was a painless process **Rating:** 5.0/5.0 stars **Reviewed by:** Benjamin M. | Owner, Health, Wellness and Fitness, Small-Business (50 or fewer emp.) **Reviewed Date:** December 03, 2024 **What do you like best about Gusto 401(k)?** I loved the support that I received with my onboarding. I switched my company's 401k from a provider that was very hands-off, and Guideline helped me with the process and made sure everything was correct. After setting up my new 401k plan, it was very easy for my employees to self-enroll. I like the option to pick how aggressively I want my plan. **What do you dislike about Gusto 401(k)?** There is no downsides. I did what I could do a safe harbor plan at first, but it was out of the company's hands, and it is a governmental issue. I have not had a problem since with Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** It helped me stay in compliance with the rules of my 401k, and next year, I am eligible to switch over to a safe harbor plan, and I am planning to do so. **Official Response from Guideline Team:** > Thank you for your kind words! We’re thrilled to hear that you had a great experience with us. If you ever have any questions or need further assistance, don’t hesitate to reach out at clients@guideline.com. ### 10. Administrator Review **Rating:** 5.0/5.0 stars **Reviewed by:** Holly P. | HR Benefits, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** I like how easy it is to use. We've used other systems in the past and they were not very user-friendly. This one is front facing and smooth **What do you dislike about Gusto 401(k)?** Honestly, there's not really anything I don't like about it. I've never really run into any issues. **What problems is Gusto 401(k) solving and how is that benefiting you?** Keeping everything in one place. From reporting to compliance we know where we stand and what is missing if anything. ### 11. Excellent offering **Rating:** 5.0/5.0 stars **Reviewed by:** Alan H. | P, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2025 **What do you like best about Gusto 401(k)?** A common portal to manage our company’s 401k offering with excellent support and account automation! **What do you dislike about Gusto 401(k)?** Nothing really, we have had nothing but an excellent experience across our companies! **What problems is Gusto 401(k) solving and how is that benefiting you?** Guidelines provides an excellent selection of investment options for our employees. The platform is very well integrated and saves us significant administration time! ### 12. A very good experience, easy to work with **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Telecommunications | Small-Business (50 or fewer emp.) **Reviewed Date:** July 30, 2024 **What do you like best about Gusto 401(k)?** The platform is user-friendly and simple to manage accounts and navigate features. **What do you dislike about Gusto 401(k)?** support response times can be better and faster **What problems is Gusto 401(k) solving and how is that benefiting you?** Retirement plan management ### 13. Great Resource for my Small Business **Rating:** 5.0/5.0 stars **Reviewed by:** Dr. Jill F. | Founder, Virtual Business Partner, Small-Business (50 or fewer emp.) **Reviewed Date:** July 01, 2025 **What do you like best about Gusto 401(k)?** I like the ease of Guideline integrating directly with Quickbooks. **What do you dislike about Gusto 401(k)?** The lack of customer service agents can be frustrating if there is an issue or question, but overall it has been great. I wish the monthly fees weren't as expensive as it is. I do not qualify for the tax credits for having a 401k for my small business. **What problems is Gusto 401(k) solving and how is that benefiting you?** Managing my 401k for myself and my employee ### 14. Great service - does what they advertise, good onboarding **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Education Management | Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** Really helpful onboarding team. Intuitive interface **What do you dislike about Gusto 401(k)?** None! It is very good. I don't have any input. **What problems is Gusto 401(k) solving and how is that benefiting you?** We needed a service that integrated with Gusto. Guideline does a great job. ### 15. Easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Timothy M. | Director of HR, Mid-Market (51-1000 emp.) **Reviewed Date:** February 27, 2025 **What do you like best about Gusto 401(k)?** Guideline is great for small businesses or start-ups who want to offer 401k to their employees. Most importantly, they make it pretty easy to use. In addition, when we changed over payroll systems this past year, it was very easy to implement the new payroll system. **What do you dislike about Gusto 401(k)?** None that I know of and we have been using Guideline for 3 years now. **What problems is Gusto 401(k) solving and how is that benefiting you?** It's good to be able to offer 401k as a benefit even when you are a start up. So, I'm glad Guideline was able to help us with that. ### 16. Easy but feels expensive **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Professional Training & Coaching | Small-Business (50 or fewer emp.) **Reviewed Date:** June 26, 2025 **What do you like best about Gusto 401(k)?** Setup and management is very easy and I don't worry about compliance. **What do you dislike about Gusto 401(k)?** The cost per 'active person' and auto enrollment doesn't align with how our business works. We manage a lot of part time/seasonal workers who work less than 7 hours a week. They forget to turn off auto enroll and we end up paying for them being active, even though they're barely contributing anything to the 401k. **What problems is Gusto 401(k) solving and how is that benefiting you?** compliance **Official Response from Guideline Team:** > Thank you for taking the time to share your experience. We’re excited to hear about the ease of use with Guideline! We understand that businesses like yours, which rely heavily on seasonal or part-time staff, can face unique challenges. Please know that we value your feedback and are constantly evaluating our offerings to better meet the evolving needs of our clients. Please feel free to contact our team at clients@guideline.com with any specific questions related to your 401(k)—we’re happy to help. ### 17. Seamless experience **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Commercial Real Estate | Small-Business (50 or fewer emp.) **Reviewed Date:** September 16, 2025 **What do you like best about Gusto 401(k)?** Integration with payroll and easy self service interface for employees **What do you dislike about Gusto 401(k)?** I have no complaints as it has worked flawlessly **What problems is Gusto 401(k) solving and how is that benefiting you?** Employee 401k plan with all reporting and compliance needs ### 18. Great customer service, convenient to use **Rating:** 5.0/5.0 stars **Reviewed by:** Babita B. | Director of Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** August 28, 2025 **What do you like best about Gusto 401(k)?** The advisor was very helpful and it was very easy to setup. The options were very well explained **What do you dislike about Gusto 401(k)?** None so far. It has been quite convenient to use. **What problems is Gusto 401(k) solving and how is that benefiting you?** Integrating with our payroll system and helping with 401k ### 19. Liked Using Guideline - Very Simple **Rating:** 4.5/5.0 stars **Reviewed by:** Luda L. | HR Operations & Project Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** November 14, 2024 **What do you like best about Gusto 401(k)?** The transitional process when moving to another software was very easy. They made everything very simple to do and made us aware of all changes that would happen ahead of time. **What do you dislike about Gusto 401(k)?** Not at this time. Would work with them again. **What problems is Gusto 401(k) solving and how is that benefiting you?** Deducting 401K for our employees. **Official Response from Guideline Team:** > Thank you for taking the time to share your experience. Your feedback is invaluable, and we’re committed to making improvements. Please feel free to reach out to us at clients@guideline.com ### 20. Great Experience **Rating:** 5.0/5.0 stars **Reviewed by:** Patricia M. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** July 02, 2024 **What do you like best about Gusto 401(k)?** Setting Guideline up was a breeze. Kat Maglia was our account representative I worked with to get things going and she was phenomenal. I love that our team doesn't need to be experts on 401Ks because our employees are able to reach out to Guideline support directly. The dashboards are great and make it easy to get a visual. **What do you dislike about Gusto 401(k)?** We have not experienced any downfalls as of now. We are 6 months in. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline allows us to automate the deductions through our payroll provider so that there is no manual work to be done. Our employees are able to change their deductions as they see fit without having to reach out to an administrator. The apps & Websites are very user friendly. They also had resources in Spanish for our team. **Official Response from Guideline Team:** > We’re so glad you’re enjoying our service! Here at Guideline, we’re committed to providing our customers with excellent service and are here for you if you need anything. Feel free to contact us at clients@guideline.com. ### 21. Guideline - Very Easy To Use, and Very Functional **Rating:** 5.0/5.0 stars **Reviewed by:** Bob O. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** April 24, 2025 **What do you like best about Gusto 401(k)?** Easy of use - it integrates into my payroll platform, Gusto. I just need to hire staff in Gusto and Guideline automatically picks them up. Then the ongoing checks get fed into Guideline. There is a good choice of funds too.dfzx **What do you dislike about Gusto 401(k)?** Not any of note. Not any of note. Not any of note. **What problems is Gusto 401(k) solving and how is that benefiting you?** Gives me a benefits option to my staff. ### 22. 401k made easy **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** How easy and streamlined the process is. Makes it easy for me as a small business owner to easily and confidently offer this benefit to my team. **What do you dislike about Gusto 401(k)?** Nothing that I’ve identified. Has been great so far. **What problems is Gusto 401(k) solving and how is that benefiting you?** Small biz owner without a benefits background. This helps me feel confident in 401k benefit ### 23. Replaced and improved what we had before and made it very easy to do so. **Rating:** 5.0/5.0 stars **Reviewed by:** Zach H. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 01, 2025 **What do you like best about Gusto 401(k)?** Customer care is great. I get answers quickly when I have questions. The system is easy to use as an employer and employee. **What do you dislike about Gusto 401(k)?** I may be missing something, but I'd love to be able to see a line chart or something that shows my funds across a period of time. **What problems is Gusto 401(k) solving and how is that benefiting you?** Our company is getting better service at a better price. Transactions go smoothly, and I haven't had any payroll issues so far. ### 24. Great way to offer employees additional benefits **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** August 28, 2025 **What do you like best about Gusto 401(k)?** It’s simple and affordable. Interface is very user friendly for both admin and employee **What do you dislike about Gusto 401(k)?** It would be nice to have access to other etf type of investments beyond the limited ones offered. **What problems is Gusto 401(k) solving and how is that benefiting you?** Provides a 401k option ### 25. User Friendly **Rating:** 4.0/5.0 stars **Reviewed by:** Raquel R. | Project Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** I appreciate the survey and suggestions on how to allocate investments. **What do you dislike about Gusto 401(k)?** I wish there was more engagement after intial investments were put in to suggest any modifications. **What problems is Gusto 401(k) solving and how is that benefiting you?** Ease of use ### 26. Makes the whole process very easy and streamlined, especially for our small nonprofit **Rating:** 4.5/5.0 stars **Reviewed by:** Melissa C. | Board Chair and Acting Executive Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** Previously, we had used a large company. We are a very small nonprofit, and the prior company made the whole process needlessly complex and time consuming. Guideline fits a company of our small size perfectly and makes the whole process easy. In addition, their website is easy to navigate. Customer support is also easy to access and responsive. **What do you dislike about Gusto 401(k)?** We did incur a large price increase about a year ago, up 70%, which I think was too steep. That said, they are still less expensive than what we were paying previously. **What problems is Gusto 401(k) solving and how is that benefiting you?** Managing the 401K seamlessly with our payroll company. ### 27. Strong 401k Service Provider **Rating:** 5.0/5.0 stars **Reviewed by:** John Michael H. | Chief Financial Officer, Mid-Market (51-1000 emp.) **Reviewed Date:** August 28, 2024 **What do you like best about Gusto 401(k)?** The implementation process was seamless. I really like how the product integrates with our HRIS, Rippling. Guideline provides a good number of fund options for eligible participants to choose from. Participants can access the app to make fund allocation changes and change their investment allocation percentage. Overall, I have been very pleased with Guideline and I would recommend it to other companies that are looking for a strong 401k plan service provider. **What do you dislike about Gusto 401(k)?** My experience with Guideline has been a positive one. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline integrates with our HRIS, Rippling. This has helped significantly reduce our administrative time. In addition, Guideline helps our participants set up their investment allocation based on their risk profile. This has helped enhance our user experience and employee satisfaction. ### 28. Great Platform **Rating:** 5.0/5.0 stars **Reviewed by:** Donna P. | Administration - hr, Small-Business (50 or fewer emp.) **Reviewed Date:** September 18, 2025 **What do you like best about Gusto 401(k)?** Both for employers and employees, the interface tends to be user-friendly **What do you dislike about Gusto 401(k)?** we have no cpmplaints at this time its great **What problems is Gusto 401(k) solving and how is that benefiting you?** organization for my team ### 29. Great Product! **Rating:** 5.0/5.0 stars **Reviewed by:** Noelle . | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** We started using Guideline a little over a year ago. It was so easy to set-up and implement. I receive notifications after every payroll period so I am constantly being updated. Definitely would recommend! **What do you dislike about Gusto 401(k)?** Haven't found any downsides at this point. **What problems is Gusto 401(k) solving and how is that benefiting you?** Easy distribution of retirement funds for our employees. ### 30. Small company but need big time service? No problem **Rating:** 5.0/5.0 stars **Reviewed by:** Christopher P. | Chief Commercial Officer (CCO), Small-Business (50 or fewer emp.) **Reviewed Date:** May 27, 2025 **What do you like best about Gusto 401(k)?** Easy process to sign up and track the progress. Implementation was quick and efficient. **What do you dislike about Gusto 401(k)?** I haven't found a negative yet, I would prefer integrated billing with my payroll provider (not a separate invoice/transaction). **What problems is Gusto 401(k) solving and how is that benefiting you?** Provide a 401(k) to a very small employee pool. ### 31. Fast integration, reasonable fees, responsible offerings **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Mid-Market (51-1000 emp.) **Reviewed Date:** July 30, 2025 **What do you like best about Gusto 401(k)?** Guideline is easy to use and link with your payroll provider. They also offer many low cost ETFs instead of one off stocks, which is more responsible for retirement accounts. **What do you dislike about Gusto 401(k)?** Recent increase in fees, but still reasonable **What problems is Gusto 401(k) solving and how is that benefiting you?** Easy to use and hands off retirement account offering for employees ### 32. Decent software for 401k **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Mental Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** Clean interface, easy to change my options, easy to keep track of the spend for the company **What do you dislike about Gusto 401(k)?** Linkage and flow to my bank interface is broken - it doesn't update. May be an issue on their end or Guideline's. Unclear. **What problems is Gusto 401(k) solving and how is that benefiting you?** 401k allocation and distribution **Official Response from Guideline Team:** > Thanks for taking the time to share your feedback! We're happy to hear about the ease of use you've experienced with our service, though regret that you’ve encountered an issue with linking your bank account to Guideline. We’d love to investigate the issue you’re experiencing. Please feel free to reach out to us at clients@guideline.com, and we’ll be happy to assist in getting this resolved. ### 33. Very efficient and easy to use. Great options for investments **Rating:** 5.0/5.0 stars **Reviewed by:** R.K. P. | Agent, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2025 **What do you like best about Gusto 401(k)?** Lost cost and Top tier funds. Compliance. **What do you dislike about Gusto 401(k)?** I still don’t like that sometimes you cannot do everything on the mobile app you have to actually go to the desktop site. **What problems is Gusto 401(k) solving and how is that benefiting you?** Being able to offer for a work 401(k) at a low cost with great funds ### 34. Great reporting **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Transportation/Trucking/Railroad | Small-Business (50 or fewer emp.) **Reviewed Date:** January 21, 2025 **What do you like best about Gusto 401(k)?** Guideline is easy to work with. They debit our account on the same day each week and their fees are super reasonable. **What do you dislike about Gusto 401(k)?** I can't think of anything I don't like. Anytime I have questions, they are very responsive. **What problems is Gusto 401(k) solving and how is that benefiting you?** Integrating 401k with our payroll provider to offer streamlined services. ### 35. Best solution for small business **Rating:** 5.0/5.0 stars **Reviewed by:** Alexandra J. | Director of Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** April 02, 2025 **What do you like best about Gusto 401(k)?** I've used Guideline with two different business now and my team has NEVER had an issue! Guideline was super easy to implement with my new company, the representatives were patient and answered all questions thoroughly. The price of service is suitable for small and large business, you're really only paying for what you USE. **What do you dislike about Gusto 401(k)?** I have ZERO dislikes about Guideline, sincerely. **What problems is Gusto 401(k) solving and how is that benefiting you?** Poor retirement management form previous company. ### 36. User friendly **Rating:** 5.0/5.0 stars **Reviewed by:** Darcie N. | Director of Operations , Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** User friendly, easy & straight to the point. **What do you dislike about Gusto 401(k)?** Wish the monthly fees would be deducted the same time as contributions. **What problems is Gusto 401(k) solving and how is that benefiting you?** Added benefit to our growing company ### 37. User Friendly and easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Hector G. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** June 26, 2025 **What do you like best about Gusto 401(k)?** User-friendly platform. We can put the benefits on autopilot. Easy integration with our Payroll platform **What do you dislike about Gusto 401(k)?** Nothing to complain about. Everything is good **What problems is Gusto 401(k) solving and how is that benefiting you?** Employee benefits 401k ### 38. Seamless 401k rollout for my small fast growing business **Rating:** 4.5/5.0 stars **Reviewed by:** Joel S. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2025 **What do you like best about Gusto 401(k)?** Easy to use setup, tools, account management **What do you dislike about Gusto 401(k)?** I need to have some human to human interaction to complete final signup for my company albeit it was fairly seamless **What problems is Gusto 401(k) solving and how is that benefiting you?** Offering an easy to use 401k tool for my small buisness and team of employees ### 39. Easy to set up, easy for users too. **Rating:** 4.5/5.0 stars **Reviewed by:** Globalcare N. | Co-Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** It was very simple to set up once we got the ball rolling. Users were able to also use it easily. Customer serivce and support has been great when we had any issues. **What do you dislike about Gusto 401(k)?** It's a bit slow after payments are made. **What problems is Gusto 401(k) solving and how is that benefiting you?** Easily allow for 401(K) plans. ### 40. Ease of Use & Implementation **Rating:** 5.0/5.0 stars **Reviewed by:** Anushka D. | Human Resources Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 27, 2025 **What do you like best about Gusto 401(k)?** he hands-off approach—Guideline handles the heavy lifting, from compliance to recordkeeping, making it effortless for businesses to offer 401(k) plans. **What do you dislike about Gusto 401(k)?** Limited customization options for plan features and investment choices may not suit businesses looking for more flexibility. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline makes setting up and managing a retirement plan incredibly simple. The implementation process is seamless, with clear instructions and automation that minimize administrative work. The platform is user-friendly, with an intuitive dashboard that makes it easy to track contributions, manage employee enrollments, and stay compliant. ### 41. Guideline Made it Easy **Rating:** 5.0/5.0 stars **Reviewed by:** Dominick F. | CTO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** It was very easy to set up 401k plans for my employees. If there’s an issue I have I can submit a support request and I usually received a response within an hour. **What do you dislike about Gusto 401(k)?** The IRA product doesn’t have a mobile app, only monitor 401k through the mobile app. **What problems is Gusto 401(k) solving and how is that benefiting you?** Having someone who can manage a 401k plan with minimal effort from the business side is essential and Guideline fulfills that role. ### 42. Using Guideline **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** August 03, 2025 **What do you like best about Gusto 401(k)?** How easy it is to use and connect to my payroll software **What do you dislike about Gusto 401(k)?** I dont like all of the emails they keep sending me about stuff that is due until December 31st. **What problems is Gusto 401(k) solving and how is that benefiting you?** Making it easy to set up a 401k for a small company ### 43. Guideline is fantastic!! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Construction | Small-Business (50 or fewer emp.) **Reviewed Date:** August 21, 2025 **What do you like best about Gusto 401(k)?** The best part of Guideline is how it integrates so smoothly with Gusto. **What do you dislike about Gusto 401(k)?** I have not had any issues with Guideline! **What problems is Gusto 401(k) solving and how is that benefiting you?** Allowing me to not have to mess with the 401 aspect with payroll ### 44. Easy to use **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** August 21, 2025 **What do you like best about Gusto 401(k)?** It's easy to switch between clients w/just one log in. **What do you dislike about Gusto 401(k)?** Sometimes uploading a file takes a long time. **What problems is Gusto 401(k) solving and how is that benefiting you?** I only have to have one log in for the multiple clients that I work with. ### 45. Once we signed, prices immediately went up **Rating:** 0.0/5.0 stars **Reviewed by:** Josh A. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** May 06, 2025 **What do you like best about Gusto 401(k)?** The integration with Gusto works well and the UI overall is good **What do you dislike about Gusto 401(k)?** When we first signed up and switched everything over to guideline, we asked a lot of questions to confirm the pricing. Within a few months of switching, Guideline meaningfully increased the pricing we pay. And that pattern has continued. Five days ago, they enacted an 87%(!!!) increase on the AUM fee each of our employees pay. They know its a pain to switch and they certainly leverage it. **What problems is Gusto 401(k) solving and how is that benefiting you?** They are our 401K provider solution. **Official Response from Guideline Team:** > Thank you for sharing your feedback. Your experience is important to us and plays a key role in helping us improve. Please be assured that we’re still committed to our philosophy of straightforward, transparent fees and strive to keep our investment costs below industry standards. Feel free to contact our team at clients@guideline.com with any specific questions related to this change, and we would be happy to discuss your concerns further. ### 46. Great for small businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Lydia F. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** December 03, 2024 **What do you like best about Gusto 401(k)?** As a small business owner, Guideline has been very easy to use and implement. Before signing up for Guideline, I had the opportunity to have a virtual meeting with a representative who was very helpful in answering my questions about different options for retirement benefits that I can offer my employees so I was able to pick a retirement plan confidently. I've reached out to their customer support since then and have gotten quick responses. It also works seemlessly with Gusto. Definitely recommend Guideline. **What do you dislike about Gusto 401(k)?** I have not found anything I dislike so far. **What problems is Gusto 401(k) solving and how is that benefiting you?** Integration with Gusto so it streamlines everything and saves me time. Customer support to talk through options to offer my employees so I feel confident about my decisions for retirement benefits. **Official Response from Guideline Team:** > We’re so glad you’re enjoying our service! Here at Guideline, we’re committed to providing our customers with excellent service and are here for you if you need anything. Feel free to contact us at clients@guideline.com ### 47. Guideline makes it so easy. **Rating:** 5.0/5.0 stars **Reviewed by:** Dawn P. | Dirextor of finance and HR, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** They do everything for me. All I have to do is input the journal entries. And their website is so easy to understand. It’s very user friendly. And their prices are very reasonable. I would recommend Guideline to anyone. **What do you dislike about Gusto 401(k)?** I honestly don’t have anything negative to say about them. **What problems is Gusto 401(k) solving and how is that benefiting you?** So far I’ve had no issues ### 48. Guideline is a solid way to go **Rating:** 5.0/5.0 stars **Reviewed by:** Stacey S. | Owner and accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** January 16, 2025 **What do you like best about Gusto 401(k)?** Having a dedicated implentation contact has been so instrumental in making the transition to using Guideline from other providers so seemless. They know the other products out there and understand the lingo in a way that they can help provide translation and get a very complex process streamlined. I appreciate how well this tool integrated into Gusto and will continue to recommend that my clients use this as their retirement plan administrator. Once things are set up, the employees can self-cater the service very easily and interact with the customer service options so minimal intervention is required. The website is very intuitive. **What do you dislike about Gusto 401(k)?** It would be helpful to have more tiered pricing options for nonprofits and micro businesses. While there are some incentives for starting these benefits, the long term costs are hard to absorb. **What problems is Gusto 401(k) solving and how is that benefiting you?** Payroll integration for retirement deferrals ### 49. Easy and Smooth Setup Process **Rating:** 5.0/5.0 stars **Reviewed by:** Caitlin G. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** The setup was easier than I was expecting. The rep I spoke with was very friendly and got everything set up very quickly for us. Our employees were easily able to setup their accounts with no issues. **What do you dislike about Gusto 401(k)?** No disklikes yet! The whole process has been easy and smooth. **What problems is Gusto 401(k) solving and how is that benefiting you?** Makes it easy and integrates with payroll. It's hands off and we can be sure that everything is done properly. ### 50. Great retirement account company **Rating:** 5.0/5.0 stars **Reviewed by:** Ryan S. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** They have exceptional customer service and their software is very user friendly. I love that their software integrates with our payroll system. Setting things up is a breeze with Guideline as well and any questions I have, they are able to answer very quickly. I log in almost daily and they have excellent updates and new features all the time. **What do you dislike about Gusto 401(k)?** I don't really have any complaints, I hope the fees stay competitive, but as of now, I'm very happy. **What problems is Gusto 401(k) solving and how is that benefiting you?** Integration with payroll, ease of tracking and sending contributions, all tax filings ## Gusto 401(k) Discussions - [Would you possibly make monthly statements available as a feature?](https://www.g2.com/discussions/50689-would-you-possibly-make-monthly-statements-available-as-a-feature) - 1 comment, 1 upvote - [Can I use this for myself as the owner?](https://www.g2.com/discussions/46542-can-i-use-this-for-myself-as-the-owner) - 1 comment, 1 upvote - [What is Guideline used for?](https://www.g2.com/discussions/what-is-guideline-used-for) - 1 comment - [View Gusto 401(k) pricing details and edition comparison](https://www.g2.com/products/gusto-401-k/reviews?page=5§ion=pricing&secure%5Bexpires_at%5D=2026-08-07+10%3A11%3A48+-0500&secure%5Bsession_id%5D=e8d05f07-6c7b-4506-8af6-6b3b410a5301&secure%5Btoken%5D=31de14aa3fd9eef2a56d06f3c3342dc0d096b87537dfbd93e626b7dd590024d4&format=llm_user) ## Gusto 401(k) Integrations - [Gusto](https://www.g2.com/products/gusto/reviews) ## Gusto 401(k) Features **Onboarding** - Administrators - Employees **Dashboard** - Balances - Investments - Personal Information **Compliance** - IRS - Tax Benefits **Administration** - Monitoring - Reporting **Generative AI** - AI Image-to-Text ## Top Gusto 401(k) Alternatives - [Human Interest](https://www.g2.com/products/human-interest/reviews) - 4.3/5.0 (2,415 reviews) - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) - 4.3/5.0 (703 reviews) - [401GO](https://www.g2.com/products/401go/reviews) - 4.8/5.0 (152 reviews)