Gusto 401(k) Pricing Overview

No. According to G2 data, Gusto 401(k) does not offer a free plan or free trial. Users need to purchase a paid plan to access the product. Visit the seller's official pricing page for current pricing details and plan options.

According to G2 data, Gusto 401(k) pricing in 2026 starts at $49.00 and can reach $179.00 depending on the selected plan. Pricing may vary based on billing terms or usage, so users should review the Gusto's official pricing page for the most current details.

Guideline's pricing is best suited for small businesses seeking an affordable, low-maintenance 401(k) solution. The vast majority of G2 reviewers are from small businesses with fewer than 50 employees, spanning industries like accounting, legal services, healthcare, IT, and consulting. These users consistently highlight Guideline's ease of setup, payroll integrations with Gusto, QuickBooks, and Rippling, and transparent pricing as ideal for companies without dedicated HR teams. The Starter plan suits very small or early-stage businesses with no employer match needs, while the Core plan fits growing small businesses wanting Safe Harbor plans and employer contributions. The Enterprise plan appeals to mid-market companies needing dedicated support.

Guideline does not offer a free version. According to G2's pricing data for Guideline, the entry-level Starter plan at $49.00/month provides a simplified 401(k) with a $6,000 employee contribution limit, no employer contributions, and requires connection with an eligible payroll provider. Guideline's Core plan at $119.00/month raises the contribution limit to $24,500 and adds Safe Harbor or Traditional 401(k) options, employer contributions, profit sharing, and broader payroll provider compatibility. Guideline's Enterprise plan at $179.00/month builds on Core with flexible pricing options, premium support, and 401(k) plan transfer support, making it suited for businesses needing more customization and dedicated assistance.

Guideline is broadly considered good value, particularly for small businesses. G2 reviewers consistently praise its transparent, low-cost fee structure and payroll integrations as major advantages over traditional 401(k) providers. Many reviewers report saving significantly compared to prior providers, with one noting they were paying eight times more before switching. However, a recurring concern across G2 reviews is fee increases over time, with some users reporting increases of 50% to 87%, which has eroded trust for longer-term customers. Despite this, the majority of reviewers still rate Guideline highly, suggesting that even after increases, pricing remains competitive relative to alternatives in the 401(k) administration space.