Best known for tying payroll and benefits into one system, Gusto offers an integrated way for employers to run payroll, handle HR basics, and add workplace benefits, including a 401(k) option.
For retirement plans, Gusto partners with Guideline to offer integrated 401(k) plans built for small and mid-sized businesses. The retirement plan ties into the same admin workflow employers already use for payroll, which cuts down on duplicate data entry and day-to-day plan administration.
Gusto also supports employers that need to meet state retirement mandates, and it helps with plan setup and required filings. The platform includes practical tools such as automatic tax credit forms.
Through its partnership with Guideline, the retirement program covers over 40,000 businesses and more than $10.0B in assets managed (2026). What sets Gusto apart is that the 401(k) setup and ongoing administration live inside the payroll system many employers already run.