OnPay + Guideline

Offer an easy, affordable 401(k) without lifting a finger.

  • It’s Simple to Sync Payroll and Your 401(k)

  • We withhold 401(k) deductions automatically

  • Employees are onboarded for you

  • Guideline handles compliance testing, reporting, and investment management.

  • Affordable plans start at $49 per month + $8 per active participant.

Say Hello to a Full Service 401(k)

Offer great retirement benefits without taking on any extra work. Guideline does all the heavy lifting to help you set up the right 401(k) plan, administer it, and stay compliant.

Save money while saving money

With Guideline’s transparent monthly pricing, employers like you know exactly what you pay each month. Plans start at $49 per month plus $8 per active participant. Participants pay 0.08% per year* and get access to low-cost fund providers like Vanguard.


*The annual account fee of 0.08% applied to assets under management is calculated and deducted on a monthly basis at 1/12 of the annual stated rate (0.08%) based on the account balance on the last day of each month.

Get started with OnPay

  1. Set up your accounts in minutes
  2. Add your employee data (or we’ll do it for free)
  3. Run payroll — we’ll handle your taxes and forms
  4. Launch a Guideline 401(k) and we'll automate your deductions
  • Try us. Your first month is free.
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