Guideline

What is Guideline?

Guideline offers automated, flexible 401(k)s with easy administration, transparent pricing, and always-on compliance.

What are the benefits of using Guideline? 

• All-in-one management: Guideline handles end-to-end regulatory support, which includes IRS filings, daily compliance monitoring, 3(16) and 3(38) fiduciary services — included with all of Guideline’s plans.³
• Transparent, affordable pricing: Plans start at a low monthly price, and you’re only charged for active, participating employees.⁴ Your company could be eligible to receive up to $16,500 in tax credits over the plan’s first three years to help offset initial plan costs.⁵
• Premium employee experience: Give your team anytime access to their 401(k) with an award-winning mobile app,⁶ up to 6x lower fees,⁷ and live customer support.

How does the app work? 

• Streamline admin: Guideline manages your 401(k) and takes care of most administrative tasks when you connect your isolved Payroll account to Guideline.
• Automatic deductions: 401(k) contributions are automatically deducted each payroll run. No need to maintain deductions or manually re-enter payroll data.
• Seamless employee onboarding: When employees become eligible to join the plan, Guideline will notify and enroll them, plus provide financial education and support.

_{3 Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. 3(16) fiduciary services are offered by Guideline RK, LLC and only made available to clients who utilize an eligible payroll provider. Guideline uses a third-party to provide custodial services. Custodial fees are paid by Guideline.}

_{4 See here for more information regarding Guideline RK, LLC fees.}

_{5 You should consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.}

_{6 2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.}

_{7 Information is illustrative. Not investment/tax advice. Consult a qualified tax/financial advisor. Avg. investment expense of plan assets for 401(k) plans w/ 25 participants and $250,000 in assets is 1.26% of assets, per 25th Edition of the 401k Averages Book, w/ data updated through September 30, 2024 (inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges). Investment advisory services for Guideline’s 401(k) product (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. Guideline’s managed portfolios have blended expense ratios ranging from .058% to .061% of assets under management. When combined with an assumed account fee of .15% charged by Guideline Investments, LLC, estimated total AUM fees for one of the managed portfolios can be under .21%. Alternative account fee pricing available, ranging from .15% to .35%. See Form ADV 2A Brochure for fee info. Expense ratios subject to change by and paid to the fund(s). View full fund lineup.}

If you are an employer currently using this app and have questions, please contact your isolved Customer Service Representative.

If you are an employer interested in learning more about this app, please use the Contact Us button above to be connected.