--- 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: '2026-08-05' 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. Not a solution, a problem. Go elsewhere. **Rating:** 0.0/5.0 stars **Reviewed by:** Chad G. | President, Small-Business (50 or fewer emp.) **Reviewed Date:** March 01, 2025 **What do you like best about Gusto 401(k)?** It’s inexpensive and is user friendly xxxx **What do you dislike about Gusto 401(k)?** Almost everything else. I’ve never had customer service lie over and over again by omission. They just leave things out. Oh, we made a mistake; we will fix it, less taxes that you aren’t required to pay. Oh, we didn’t mention that? So sorry. Here’s 3 months credit. Oh you got your bill and we only credited you for part of it? So sorry, we can’t help ourselves from lying by omission. **What problems is Gusto 401(k) solving and how is that benefiting you?** It’s supposed to make my job easier by being a competent administrator of our retirement plan. Instead, they make a mistake, don’t take any accountability and then lie by omission every time you speak to them. ### 2. Easiest Onboarding for Retirement Plans **Rating:** 4.0/5.0 stars **Reviewed by:** Derek J. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** The onboarding was super straight forward. They handled the transfer of our plan from a previous provider with ease and I actually had someone to talk to if I had questions! I love how it integrates with our payroll provider too. I don't have to really do anything. **What do you dislike about Gusto 401(k)?** Guideline just doesn't have a large number of funds to choose from, which is good for a small business like ours, but it definitely hinders some of the investing options of our employees. **What problems is Gusto 401(k) solving and how is that benefiting you?** We wanted a retirement plan that integrated with our new payroll provider, this fit the bill and was easy to transfer to. ### 3. Great Platform | User Friendly **Rating:** 4.5/5.0 stars **Reviewed by:** Kevin V. | Managing Partner | Executive Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** As an accountant with multiple clientd, Guideline is perfect! It integrates seemingly with each clients payroll provider, no need go back and forth! It takes care of everything! But best of all it’s east to use, you can quickly pull reports and information; change contributions and make updates quickly and effectively. **What do you dislike about Gusto 401(k)?** I haven’t found any downsides yet to Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** It automated 401(k)s for us! Contributions and all, it makes things easy without having to go back and forth. ### 4. Easy To Use, Not Very Complex **Rating:** 5.0/5.0 stars **Reviewed by:** Tom F. | President & Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** May 20, 2025 **What do you like best about Gusto 401(k)?** Everything is very simple to use. From picking the type of plan to choosing roth vs trad. Monthly costs for employer is pretty good compared to others and high integration with HR solutions. It was easy to implement when it came to Rippling. **What do you dislike about Gusto 401(k)?** I would say that the only negative would be for those that want a very high degree of customizability. **What problems is Gusto 401(k) solving and how is that benefiting you?** Providing a retirement match is incredibly helpful for preparing my employees for retirement. ### 5. Good Experience with Guideline **Rating:** 5.0/5.0 stars **Reviewed by:** Debbie B. | Business Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 27, 2025 **What do you like best about Gusto 401(k)?** Guideline is simple to set up and use, as it is built in to QBO. It is a cost effective solution that provides a nice benefit for my employees. **What do you dislike about Gusto 401(k)?** I have not had any negative experiences with Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** It is a worthwhile benefit I can offer to my employees while also saving for my own retirement. ### 6. Great for our small business **Rating:** 5.0/5.0 stars **Reviewed by:** Kate G. | Owner/CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** July 03, 2025 **What do you like best about Gusto 401(k)?** easy to use and set up. my team has found it easy to navigate. they like the dashboard and integration with gusto **What do you dislike about Gusto 401(k)?** The fees are slightly more than owe would like for a business of our size. We wish it was a little more affordable for us. **What problems is Gusto 401(k) solving and how is that benefiting you?** Offering comprehensive benefits to our employees. ### 7. Great 401k Management **Rating:** 5.0/5.0 stars **Reviewed by:** Uday J. P. | Managing Partner, Small-Business (50 or fewer emp.) **Reviewed Date:** March 04, 2025 **What do you like best about Gusto 401(k)?** Ease of integration with payroll processor. Great app for employer and employees Good allocation options. Transparent and easy to navigate. **What do you dislike about Gusto 401(k)?** Nothing really, service is top notch and customer support is great. **What problems is Gusto 401(k) solving and how is that benefiting you?** Managed 401k that integrates into our online payroll processor. ### 8. Great Policies for Small Businesses, **Rating:** 5.0/5.0 stars **Reviewed by:** Julie B. | Bookkeeper, Small-Business (50 or fewer emp.) **Reviewed Date:** October 21, 2025 **What do you like best about Gusto 401(k)?** They have good policies for small businesses and they take of a lot of the paperwork so I don't have to **What do you dislike about Gusto 401(k)?** So far, I have had no issues with them in handling the account **What problems is Gusto 401(k) solving and how is that benefiting you?** employee retention ### 9. Guideline is great for small businesses! **Rating:** 5.0/5.0 stars **Reviewed by:** Sydney S. | Sr. HR Generalist, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** We liked how easy it was to setup our accounts through Guideline. We use Rippling for our HRIS/ Payroll software and they have a seamless integration with them. Anytime an employee updates their contributions, it gets updated in Rippling. Our employees enjoyed how easy and simple it was to enroll in their 401k’s. **What do you dislike about Gusto 401(k)?** I haven’t found anything I dislike about Guideline quite yet. **What problems is Gusto 401(k) solving and how is that benefiting you?** It’s allowing our employees to have a 401k account and allowing us to have a 4% employer match for our employees as well. The administration of the 401k and the legalities behind having one are all handled by Guideline. ### 10. Blindsided by a Nearly 100% Fee Increase – No Warning, No Transparency **Rating:** 1.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.) **Reviewed Date:** March 03, 2025 **What do you like best about Gusto 401(k)?** Ease of Administration – Guideline makes it simple to manage a 401(k), especially for small businesses. The automated payroll integration and compliance handling reduce the administrative burden. Affordable (Until Now) – Before this fee hike, Guideline was one of the most cost-effective 401(k) providers, offering competitive pricing without the hidden fees that many legacy providers charge. User-Friendly Platform – Both administrators and employees find the interface easy to navigate. The dashboard is intuitive, and managing contributions or checking balances is straightforward. Low-Cost Investment Options – Guideline offers low-fee index funds, which is great for employees looking to maximize their retirement savings without excessive expense ratios. Strong Compliance & Fiduciary Support – As a 3(16) fiduciary, Guideline takes on many of the compliance responsibilities, reducing the risk and liability for employers. Automatic Enrollment & Contributions – The platform simplifies setting up employee contributions and automatic enrollments, making it easier to encourage participation in retirement savings. **What do you dislike about Gusto 401(k)?** We’ve been a customer of Guideline for our company’s 401(k) plan, and up until now, we’ve been generally satisfied with the service. However, we just received an email notifying us that Guideline is nearly doubling the employee annual account fee from 0.08% to 0.15%—with zero prior warning and virtually no explanation beyond a vague reference to “upcoming features.” A price increase of this magnitude should come with clear justification and advanced notice, not a sudden announcement that takes customers by surprise. While 0.15% is still competitive in the market, that doesn’t excuse the way this was handled. A near 100% increase with no opportunity for discussion or opt-out is an alarming move that erodes trust. What makes this more frustrating is the complete lack of transparency in how the decision was made. There was no detailed breakdown of why such a drastic change was necessary, no timeline leading up to this, and no real attempt to communicate this in a meaningful way. Instead, we got an impersonal, blanket email and were left to deal with it. If this is how Guideline plans to operate going forward—massive fee hikes with little notice—then it calls into question whether they truly have their customers' best interests at heart. We urge Guideline to reconsider both their pricing practices and, more importantly, their approach to communication with customers. For companies evaluating 401(k) providers: beware of sudden pricing changes and ensure that the provider you choose values transparency and customer trust. Unfortunately, this experience has us reconsidering our relationship with Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline makes it incredibly easy for us to manage our company's 401(k) without the typical administrative headaches. As a small business, we don’t have the time or resources to deal with complex retirement plan management, and Guideline takes care of a lot of the heavy lifting. Their automated payroll integration, compliance support, and fiduciary responsibilities mean we don’t have to worry about making mistakes or spending hours handling paperwork. The platform itself is user-friendly, making it simple for both us and our employees to set up, manage, and track retirement savings. We also appreciated the low-cost investment options, which helped our employees maximize their savings without excessive fees—though the recent price hike has made us question that benefit. One of the biggest advantages has been the automatic enrollment and contribution features, which have encouraged more of our team to participate in saving for retirement. Overall, Guideline has made offering a 401(k) a smooth and straightforward process, but their approach to pricing changes leaves a lot to be desired. **Official Response from Guideline Team:** > Thank you for taking the time to share your experience, and we’re happy to hear all the things you like about Guideline! While we understand your concern about the annual account fee, please be assured that this adjustment does not go into effect immediately. We’re committed to giving ample notice, beyond legal requirements, before these updates occur. Your employees will also receive email notifications at least 30 days in advance of the change. The exact day that will apply to your plan should be outlined in the email you received, and you can find additional details about the change in the FAQ that was linked. As you mentioned, combined with our low fund fees, our investment costs remain competitive in the industry. Your feedback is important to us, and we would be happy to discuss your pricing or related communication concerns directly. Please feel free to contact our team at clients@guideline.com. ### 11. Streamlined, Easy-to-Use 401k Platform with Excellent Customer Support **Rating:** 5.0/5.0 stars **Reviewed by:** Chip J. | Office, Small-Business (50 or fewer emp.) **Reviewed Date:** December 17, 2024 **What do you like best about Gusto 401(k)?** I’ve been using Guideline for our company’s 401k plan for several months now, and I’m really impressed with how easy it has been to manage. The platform is incredibly user-friendly, and setting up accounts for employees was seamless. The integration with payroll is smooth, which saves a ton of time. One of the standout features is their customer support. Whenever I’ve had a question or needed assistance, the response time has been quick and helpful. They really take the time to explain things and make sure I understand all aspects of the platform. The fees are transparent and affordable, especially compared to other providers I’ve used in the past. It’s great knowing we’re getting quality service without hidden costs. Employees have also commented on how easy it is to navigate their individual accounts, which is a huge win for us. **What do you dislike about Gusto 401(k)?** Overall, Gusto offers a lot of great features, but there are a few things I’ve found a bit frustrating. First off, the pricing can be a bit steep, especially for smaller businesses. While the platform provides a lot of value, I sometimes wonder if it’s the best fit for a company with only a few employees or simpler payroll needs. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline automates many of the complex and time-consuming tasks associated with 401k management, like compliance, reporting, and recordkeeping. This reduces administrative burden, allowing me to focus on running our business instead of managing retirement plans. **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 if you have any additional questions. ### 12. Simple Review Process, No Complaints **Rating:** 5.0/5.0 stars **Reviewed by:** Rosibel O. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** October 14, 2025 **What do you like best about Gusto 401(k)?** Implementation was easy. Customer support has been helpful with employee when they need to make changes. **What do you dislike about Gusto 401(k)?** It automatically registers everyone. Sometimes employee's forget they were registered and then want to close it. **What problems is Gusto 401(k) solving and how is that benefiting you?** I haven't had any issues requiring assistance. ### 13. Love my easily-run, full-capability profit sharing 401(k) from Guideline **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Management Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** April 29, 2025 **What do you like best about Gusto 401(k)?** It's easy. I've never had a hiccup with them in the ~4 years I have used them. Nice clean portal, easy to go in and manage my own account. Or when i want to manage the whole plan, I easily click to switch to administrator view, and get the reports I need. I use the concierge service so i get the full comparability profit sharing plan, and working with my dedicated rep makes it easy... but honestly i only engage with them once a year. **What do you dislike about Gusto 401(k)?** I truly have no complaints. I don't work for Guideline, have no ties to the company... but just have never encountered any meaningful issues. **What problems is Gusto 401(k) solving and how is that benefiting you?** Helps me provide a profit-sharing 401k plan to a small consulting firm. ### 14. Great support, but the product isn't built for single member LLCs **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** April 01, 2025 **What do you like best about Gusto 401(k)?** The support is great, they are very quick to respond and I can always get to the answer I need. Implementation overall was pretty easy. We use Guideline in another company I am an owner of, and the integration into Gusto (the payroll company) is great. **What do you dislike about Gusto 401(k)?** We use this is 2 companies, one of which where I am a single member LLC running a solo 401K. Although they set it up correctly on the backend, what I see as the member is extremely confusing, and because I don't have payroll in one of the companies I get a ton of emails that don't make any sense. Because of that, the tool is a bit difficult to use simply due to the lack of intuitiveness. **What problems is Gusto 401(k) solving and how is that benefiting you?** I needed an investment vehicle for retirement in our businesses. **Official Response from Guideline Team:** > Thank you for letting us know about your experience. Your feedback is invaluable, and we’re committed to making improvements to our product. If you have specific suggestions, we’d love to hear from you! Feel free to reach us anytime at clients@guideline.com. ### 15. Great way to offer retirement funds for your employees! **Rating:** 5.0/5.0 stars **Reviewed by:** Dawn H. | Managing Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** It's easy to use, automates with Gusto, and ensures all my documents are filed correctly. **What do you dislike about Gusto 401(k)?** There is nothing to dislike...very happy. **What problems is Gusto 401(k) solving and how is that benefiting you?** It solves the issue of trying to do the math and figure out what's allocated etc. The benefits are huge- easy to use, attract better employees, and peace of mind that you are compliant. ### 16. Guideline Best 401K **Rating:** 5.0/5.0 stars **Reviewed by:** St. Vrain C. | Pres/CEO/Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** It's very easy for employees to set up as well as the set up for the employer. **What do you dislike about Gusto 401(k)?** Nothing negative to say about Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline is helping us meet the govt requirement of offering employees a 401K program. ### 17. a 401k provider might work for you **Rating:** 4.0/5.0 stars **Reviewed by:** Ellen S. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** June 26, 2025 **What do you like best about Gusto 401(k)?** Our team appreciates the low fees and diverse investment options available through Guideline. Whenever we need support, some real customer service team will answer your call .very responsive and helpful. **What do you dislike about Gusto 401(k)?** the options for investment 401k is a little limited. sometimes we encounter difficulties to upload files. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline provides 401k plans for our employees. ### 18. Guideline Review **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Consulting | Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** Customer service - as administrator of our plan and being new to 401k plan management they have been extremely helpful when I’ve had questions. **What do you dislike about Gusto 401(k)?** I haven’t come across anything I disliked yet **What problems is Gusto 401(k) solving and how is that benefiting you?** I had a rather complicated problem with a duplicate payroll being run on different days and Guideline worked with me to ensure money wasn’t withdrawn twice both for the employee and the company by personally watching our account over a few days. ### 19. Solid Experience for Small Business **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** August 21, 2025 **What do you like best about Gusto 401(k)?** Ease of use is the main takeaway. Setting up, managing, communicating to employees. All of it has been so easy. **What do you dislike about Gusto 401(k)?** As with any platform, there could be more integrations to our other systems for more visibility. But that is asking a lot for what the service does and what we actually need. **What problems is Gusto 401(k) solving and how is that benefiting you?** We're leveraging Guideline for our 401K platform offered to employees. ### 20. Easy to set up! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** It was easy to set up with each step on a checklist so you knew where you were and what still needed to be done. Once set up it is very automated since it is integrated with our payroll. I don't have anything I need to remember to do **What do you dislike about Gusto 401(k)?** for the first few payrolls. the payroll integration did not work, and there was no notification that contributions were not being made, so when we discovered it we had to play catch up **What problems is Gusto 401(k) solving and how is that benefiting you?** 401k administration. Its so easy! love the automation ### 21. So easy. **Rating:** 5.0/5.0 stars **Reviewed by:** Mary Paige G. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** Ease of use. It took about half an hour to set up for my employees, and they all love the app. The ultimate “set it and forget it” solution to retirement. **What do you dislike about Gusto 401(k)?** There is nothing I dislike about guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** I know very little about retirement benefits and guideline handled it all for me ### 22. Perfect for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Michelle F. | General Business manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** The best part about guideline is the ability to offer our employees a 401k when we are such a small company. Less than 5 employees. **What do you dislike about Gusto 401(k)?** Least helpful is that employees aren’t required to log in and set their preferences. I know that they are required to manually opt out, but not all employees will take the time and check it out. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline helps us to be able to offer some sort for retirement plan that we wouldn’t be able to offer otherwise ### 23. SAAS 401K for Business **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Computer Software | Small-Business (50 or fewer emp.) **Reviewed Date:** October 31, 2023 **What do you like best about Gusto 401(k)?** Easy for Users and Admins on Portal with no hassle **What do you dislike about Gusto 401(k)?** None, all users and Addmins like the app **What problems is Gusto 401(k) solving and how is that benefiting you?** Makes life easy by seamlessly working with our payroll and HR ### 24. Great platform **Rating:** 4.0/5.0 stars **Reviewed by:** Sophie W. | Assistant to CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** July 31, 2025 **What do you like best about Gusto 401(k)?** I like the way it is very easy to use, I never have to search too hard for something. **What do you dislike about Gusto 401(k)?** Sometimes it is hard because of the people having different permissions. **What problems is Gusto 401(k) solving and how is that benefiting you?** 401k management ### 25. Effortless 401k Setup with Guideline **Rating:** 5.0/5.0 stars **Reviewed by:** Susan B. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** December 03, 2024 **What do you like best about Gusto 401(k)?** I recently started using Guideline for 401k plans, and I couldn't be happier with the experience. The setup process is quick and straightforward, making it an excellent choice for businesses. Integration with Gusto is seamless, which is a huge plus since it streamlines the entire payroll and benefits administration process. I've been using Guideline for my own retirement plan, and I've also recommended it to several clients. They all appreciate how simple it is to establish a 401k without the typical headaches often associated with such services. The user-friendly interface and clear guidance throughout the setup make it accessible for everyone, regardless of their financial expertise. Overall, Guideline is a fantastic tool for anyone looking to set up a 401k plan hassle-free. Highly recommend it! **What do you dislike about Gusto 401(k)?** I have been using Guideline for seven months and have not encountered any issues or dislikes. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline helps me and my clients provide 401k plans to employees easily and stress-free. **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. ### 26. User friendly, easy to use. **Rating:** 4.0/5.0 stars **Reviewed by:** Deveney W. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** How user friendly it is. It's quite easy to use both from the employee and employer standpoint **What do you dislike about Gusto 401(k)?** Nothing at this time. Theres nothing yet for me to dislike. **What problems is Gusto 401(k) solving and how is that benefiting you?** Retirement options for employees ### 27. Modern and so easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Legal Services | Small-Business (50 or fewer emp.) **Reviewed Date:** August 05, 2025 **What do you like best about Gusto 401(k)?** I'm run a small law firm, and I was able to navigate Guideline in almost no time. The ongoing maintenance is just as easy and requires almost no time. The integration with Quickbooks is intuitive and so helpful. **What do you dislike about Gusto 401(k)?** Absolutely nothing. Perhaps some users need something Guideline lacks, but I don't know what that would be. **What problems is Gusto 401(k) solving and how is that benefiting you?** Integrating with Quickbooks to allow one-stop shopping for a small business. ### 28. Easy to use, flawless automation, excellent value for my employees **Rating:** 5.0/5.0 stars **Reviewed by:** patrick g. | Licensed Real Estate Agent, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** It's very easy to use - set it and forget it. New employees are on boarded easily and quickly... and the weekly withdrawals are as expected and as scheduled. Highly recommend. **What do you dislike about Gusto 401(k)?** Can't really think of anything. I'm quite pleased. **What problems is Gusto 401(k) solving and how is that benefiting you?** Providing benefits to employees in an easy to use manner. ### 29. Simple and easy **Rating:** 4.0/5.0 stars **Reviewed by:** Greg B. | Owner & Chiropractor, Small-Business (50 or fewer emp.) **Reviewed Date:** June 26, 2025 **What do you like best about Gusto 401(k)?** Very easy to set up and implement. Haven't had any issues and is a great benefit for my employees to have. **What do you dislike about Gusto 401(k)?** Have yet to experience any issues with Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** Helps us retain and invest in employees who have done and have continued to do an outstanding job. ### 30. Comes up short in meeting the needs of small businesses. **Rating:** 2.0/5.0 stars **Reviewed by:** Gregory D. | Founder and President, Small-Business (50 or fewer emp.) **Reviewed Date:** May 06, 2025 **What do you like best about Gusto 401(k)?** Well, it has good concepts and good tools, but incomplete design elements to enable management fluidly. **What do you dislike about Gusto 401(k)?** Customer service. I have had two major issues and it has taken days to get a response. I have been exploring what are better options, but my accountant tells me to wait until the end of the year before switching. **What problems is Gusto 401(k) solving and how is that benefiting you?** Presumably making it easy for employers and employees to engage in building future financial wealth. **Official Response from Guideline Team:** > We regret to hear about the issue you’ve encountered. We’re always looking for ways to improve, and your experience helps guide our efforts. A representative from our sponsor team will be following up with you shortly to provide any further assistance. You can also feel free to reach out to us anytime at clients@guideline.com. ### 31. Love Guideline! They make it easy. **Rating:** 5.0/5.0 stars **Reviewed by:** Natalie P. | Attorney at Law, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** The ease of setting up your account and managing the employee contributions. **What do you dislike about Gusto 401(k)?** Not much trutfully. Everything is pretty easy to use. **What problems is Gusto 401(k) solving and how is that benefiting you?** An easy way to contribute to a 401K ### 32. Excellent 401K Administrative Services **Rating:** 4.0/5.0 stars **Reviewed by:** Michelle M. | Director of Human Resources, Mid-Market (51-1000 emp.) **Reviewed Date:** October 21, 2025 **What do you like best about Gusto 401(k)?** Administrative services for the 401K that relieve HR oversight. **What do you dislike about Gusto 401(k)?** Sometimes the difficulty getting a representative **What problems is Gusto 401(k) solving and how is that benefiting you?** The administrative oversight and responsibilities with the 401k plan. ### 33. Flexible investment platform **Rating:** 5.0/5.0 stars **Reviewed by:** Jacob B. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** The platform has a wide range of options, and portfolios are customizable. Fees are also very low. **What do you dislike about Gusto 401(k)?** Once you set your portfolio percentages, you can change the allotments without rebalancing the entire portfolio. I would like to keep my existing stocks while also changing the allotments for incoming money. **What problems is Gusto 401(k) solving and how is that benefiting you?** A 401(k) in general boosts employee morale, and helps me to show them they are valuable to the company. Guideline makes everything easy with their payroll integrations. ### 34. Seamless and Supportive **Rating:** 5.0/5.0 stars **Reviewed by:** Valery M. | Senior Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** I like that Guideline syncs seamlessly with my payroll provider but yet I can still reach Guideline via phone or chat very easily with virtually no wait time. Setting up the plan and enrolling employees was quick and hassle-free using this platform. **What do you dislike about Gusto 401(k)?** At this moment I have no dislikes at all. Even my employees who enrolled like how easy it was. **What problems is Gusto 401(k) solving and how is that benefiting you?** First, we were able to add this benefit for our employees. Second, it came with no extra workload for our accounting team. Every single accounting entry is automated. ### 35. Great Experience **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Information Technology and Services | Small-Business (50 or fewer emp.) **Reviewed Date:** September 16, 2025 **What do you like best about Gusto 401(k)?** Easy to use, great UI, good help articles. **What do you dislike about Gusto 401(k)?** Some limitations in contribution types or investment accounts. **What problems is Gusto 401(k) solving and how is that benefiting you?** Helping us set up 401k for our smaller companies who wouldn't be able to have a 401(k) with a traditional provider due to cost. **Official Response from Guideline Team:** > Thanks for taking the time to share your experience! We’re happy to hear you find our services easy to use and our help articles useful. Your feedback is invaluable to us and plays a key role in helping us continuously improve. If you have any specific questions or thoughts, please don’t hesitate to reach out at clients@guideline.com. ### 36. Integrations Make Managing 401(k)s Simple **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Hospital & Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2025 **What do you like best about Gusto 401(k)?** The ease of use when it comes to Guideline is why I prefer it. It is integrated into Gusto's People Platform, so I barely have to think about it and it does what the employees need. **What do you dislike about Gusto 401(k)?** The reporting in Guideline could be a little bit easier, I suppose. At the end of the year, when I'm trying to gather reports for my accountants, it can be a little bit difficult to find what I'm looking for. **What problems is Gusto 401(k) solving and how is that benefiting you?** It solves administering 401(k) plans for employees, without having to do any manual calculations, withdrawals, or reporting. It is effectively on autopilot, and all I have to do is assist with some reporting once per year. ### 37. Easy to use and understand **Rating:** 5.0/5.0 stars **Reviewed by:** Nicole D. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 07, 2025 **What do you like best about Gusto 401(k)?** The ease of implementation and ease of use. The employer portal is easily self maintained without the need of constantly contacting customer service. **What do you dislike about Gusto 401(k)?** Number of communications and the integration to QuickBooks. Payments are not taken out of QB unlike was previously stated. **What problems is Gusto 401(k) solving and how is that benefiting you?** n/a ### 38. Easiest way to give 401K to your employees **Rating:** 4.5/5.0 stars **Reviewed by:** Michael J. | Managing Attorney, Small-Business (50 or fewer emp.) **Reviewed Date:** May 27, 2025 **What do you like best about Gusto 401(k)?** Guideline makes everything easy. You set things up through Quickbooks online and just activate it for your employees. The employees have all the control and it's so easy to manage online. **What do you dislike about Gusto 401(k)?** I don't think there is anything I don't like about Guideline. **What problems is Gusto 401(k) solving and how is that benefiting you?** Guideline allows me to offer retirement savings for my employees--even as a small firm. ### 39. Such a seamless tool for all employers and teams! **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** September 23, 2025 **What do you like best about Gusto 401(k)?** Seamless integration into Gusto, our payroll provider. **What do you dislike about Gusto 401(k)?** Nothing. Guideline in its current form is great. **What problems is Gusto 401(k) solving and how is that benefiting you?** Allowing me to focus on the business and knowing my team is covered with a great product and system. ### 40. Great costumer support **Rating:** 4.0/5.0 stars **Reviewed by:** yvette j. | Director, Small-Business (50 or fewer emp.) **Reviewed Date:** June 24, 2025 **What do you like best about Gusto 401(k)?** Guideline offers the option of 401k and Roth IRA. When I have to contact them I received the support that is needed. I am not transferred to 4 different people. **What do you dislike about Gusto 401(k)?** Not having a discount when having multiple businesses **What problems is Gusto 401(k) solving and how is that benefiting you?** Offering retirement plans ### 41. Seamless Integration with our Payroll **Rating:** 5.0/5.0 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)?** I love that guideline seamlessly integrates with our payroll system gusto. It makes for an easy and convenient onboarding & offboarding experience. Once it's set up, I literally do nothing. **What do you dislike about Gusto 401(k)?** no complaints to report. Customer support was a little tricky to get ahold of **What problems is Gusto 401(k) solving and how is that benefiting you?** eliminates time and communicates to our employees their benefits and allows easy access to their retirement information ### 42. Owner **Rating:** 5.0/5.0 stars **Reviewed by:** Will A. | CEO, 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 it up. They are integrated with QuickBooks, which makes it very easy to use, and they have an app to look at all the technology **What do you dislike about Gusto 401(k)?** Haven't used very long quite yet, so I'm not sure. I'm trying to call customer support yet to see if I need anything or if that's an issue or not but so far it's fine. **What problems is Gusto 401(k) solving and how is that benefiting you?** Right now I'm a small business owner so it helps me provide some benefit packages for my employees ### 43. Simple to use and very helpful **Rating:** 5.0/5.0 stars **Reviewed by:** Bree P. | Office manager, Small-Business (50 or fewer emp.) **Reviewed Date:** March 25, 2025 **What do you like best about Gusto 401(k)?** I found using Guideline was much easier than my previous 401(k) provider. From the ease of getting started to the pricing, helping my staff enroll or opt out to the level of service from customer support. Very worth it and definitely recommend to other small business looking to provide their staff with a retirement plan! **What do you dislike about Gusto 401(k)?** So far, I haven't found anything I dislike! **What problems is Gusto 401(k) solving and how is that benefiting you?** Getting my staff enrolled or opted out is a breeze. It makes my task of being the account admin much easier! ### 44. Accounting Firms Love Guideline! **Rating:** 5.0/5.0 stars **Reviewed by:** Cory D. | Co-Founder & COO, Small-Business (50 or fewer emp.) **Reviewed Date:** May 22, 2025 **What do you like best about Gusto 401(k)?** Native 360 integration with Gusto, portal user interface, customer service, everything is so easy to use and the guidance support when transitioning or starting a plan are wonderful. **What do you dislike about Gusto 401(k)?** Absolutely nothing - We prefer Guideline to any other 401k platform. **What problems is Gusto 401(k) solving and how is that benefiting you?** They have an accountant portal that lets us manage all of our clients in one place. ### 45. Seamless Integration with QuickBooks **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Pharmaceuticals | Small-Business (50 or fewer emp.) **Reviewed Date:** May 22, 2025 **What do you like best about Gusto 401(k)?** The integration with QuickBooks makes life easy. The process to enroll in the plan and manage employees is easy to get started and maintain. **What do you dislike about Gusto 401(k)?** I wish the options and features were better explained for the different plans. I feel like I was guided into a specific plan for my company and wasn't sure what options I really had. I am not a fan of the auto-enroll for new employees, but I think that is a requirement for the plan I selected and not due to Guideline, but I wish some of this was better explained during enrollment. **What problems is Gusto 401(k) solving and how is that benefiting you?** The thought of adding 401(k) for my employees seemed daunting, but Guideline really made the process of implementing a 401(k) plan easy. The integration with QuickBooks takes that ease to the next level. ### 46. Easy to set up, view, and transfer funds **Rating:** 5.0/5.0 stars **Reviewed by:** Kristin H. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** July 29, 2025 **What do you like best about Gusto 401(k)?** Ease of setup and easy mobile viewing on the go **What do you dislike about Gusto 401(k)?** Doesn’t allow for automatic payments to be set up **What problems is Gusto 401(k) solving and how is that benefiting you?** Retirement savings ### 47. Guideline has been so easy for our employees! **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Wholesale | Small-Business (50 or fewer emp.) **Reviewed Date:** August 21, 2025 **What do you like best about Gusto 401(k)?** Ease of use for our employees. Ease of implementation as well. Have never even needed to speak to someone in customer service over the 3 years we have been with Guideline. **What do you dislike about Gusto 401(k)?** I haven't needed to speak to someone in customer service and haven't had any issues. **What problems is Gusto 401(k) solving and how is that benefiting you?** 401K ### 48. Easy To Use **Rating:** 4.0/5.0 stars **Reviewed by:** James A. | Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** September 16, 2025 **What do you like best about Gusto 401(k)?** Easy To Use. Portal is clear and easy to understand. **What do you dislike about Gusto 401(k)?** When trying to change trustees. There was a lot of steps and repeted missinformation from support **What problems is Gusto 401(k) solving and how is that benefiting you?** Easy access to a 401k for our employees. ### 49. Been a fairly good experience **Rating:** 5.0/5.0 stars **Reviewed by:** Mark T. | Director of IT, Mid-Market (51-1000 emp.) **Reviewed Date:** November 14, 2024 **What do you like best about Gusto 401(k)?** Their support has been stellar. All issues are resolved immediately and with ease. **What do you dislike about Gusto 401(k)?** The integration does not always work well with Intuit. I believe this is entirely an Intuit problem however. **What problems is Gusto 401(k) solving and how is that benefiting you?** Simple 401K does not have reporting requirements or audits. We did not want that hassle but wanted to provide our employees with these benefits. **Official Response from Guideline Team:** > Thank you for sharing your experience. Your feedback is invaluable to us and plays a key role in helping us improve. If you have any further questions or thoughts, please don’t hesitate to reach out at clients@guideline.com ### 50. Effortless Setup and Use with Outstanding Customer Service **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Restaurants | Mid-Market (51-1000 emp.) **Reviewed Date:** October 21, 2025 **What do you like best about Gusto 401(k)?** Setting it up was straightforward, and using it has been just as simple. The customer service has also been excellent. **What do you dislike about Gusto 401(k)?** I haven't encountered any issues so far. The platform is straightforward and easy to navigate. **What problems is Gusto 401(k) solving and how is that benefiting you?** This service fulfills the state's requirement by offering retirement options. It effectively addresses the need for compliant retirement solutions. ## 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=4§ion=pricing&secure%5Bexpires_at%5D=2026-08-07+07%3A26%3A27+-0500&secure%5Bsession_id%5D=a0b1de91-b74a-474a-add5-a7daaf455b8a&secure%5Btoken%5D=fb3770a360b9e07516df4a2b522dda30127a5cd53ace9528df15cead5add5d59&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)