1. OnPay
  2. App Directory
  3. 401(k)
  4. Guideline


Seamless, scalable 401(k) plans for growing businesses.



Guideline offers affordable 401(k) plans for growing businesses that seamlessly connect with OnPay. They’ll administer the plan, onboard and educate employees, and manage investments so you can offer a work benefit without all the added paperwork.

  • Easy setup: You can set up a 401(k) plan in 20 minutes. From there, it’s pretty hands off. They take care of plan administration, recordkeeping, government filing, and more.
  • Employee onboarding: When employees become eligible to join the plan, they’ll notify and enroll them on your behalf—and provide full support along the way.
  • Intelligent investing: They can help participants select a diversified investment portfolio—with low-cost funds across asset classes—that rebalances automatically to stay on track.


How it works

Guideline and OnPay make 401(k) management easy. Our two platforms integrate seamlessly, using API integration to securely transfer data back and forth daily—often in real time. So when an employee changes their 401(k) contribution, OnPay will know. And when a company adds a new employee, Guideline will know. With our integration, 401(k) contributions are automatically deducted each pay run, so you can focus on your day-to-day.


Disclosure: At the time of this endorsement, OnPay (the “Solicitor”) is not a client of Guideline. Guideline pays a fee for each 401(k) & SEP IRA client referred by the Solicitor, as outlined in Guideline’s written solicitation arrangement with the Solicitor. Additional disclosures will be provided to you by Guideline prior to opening an account with Guideline.


We use technology to keep prices low and eliminate transaction fees. See Guideline’s Form ADV 2A Brochure here for more information on their fees.



A simplified 401(k) with limited features and easy administration.

$39/month + $4/mo per active participant



A foundational 401(k) with robust features and more plan design options

$89/month + $8/mo per active participant



Our most custom 401(k) with exclusive pricing options and premium support.

$149/month, plus active participant fee



Estimate your costs

Use Guideline’s tax calculator to estimate the costs of offering retirement benefits to your employees via Guideline and uncover potential tax credits you might be eligible for.



* Employer fees include the monthly base fee and a monthly participant fee after the new plan begins. Other participant-paid fees will apply. See our Form ADV 2A Brochure for additional information regarding our fees. This offer ends April 5, 2024, and can’t be combined with other offers. We reserve the right to modify or discontinue this promotion at any time without prior notice.


Guideline is not affiliated, associated, authorized, endorsed by, or compensated by the company listed, and their subsidiaries or its affiliates. Nor, does Guideline endorse or recommend any of the services or products marketed by this company. Please contact a financial, tax, and/or legal advisor to determine if any of these vendors or their applications and products are appropriate for your specific circumstance.


It’s easy to get started

Try OnPay out yourself to see how easy payroll and HR can be. To get started, just share a few basic details about your business. Our team of pros will set everything up and import your employees’ information for you.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.