A Modern 401(k) Built for Your Business

Gusto has partnered with Vestwell to offer a customizable, streamlined, and affordable retirement plan for your workforce. Join more than 350,000 businesses across all 50 states enabled by Vestwell’s modern savings platform.

Pricing Plans

BASIC

$50 $0/month

• $9 / month per active participant

Great for businesses setting up their first plan. Affordable, all-in price with easy administration.

Includes:

• Payroll integration
• 3(16) Administration Services
• 1:1 Onboarding contact and dedicated service team
• Optional loans, in-service and hardship withdrawals

PREFERRED

$150 $0/month

• $9 / month per active participant

Best choice for a more flexible suite of plan design options. Balance of flexibility and price.

Everything in Basic, plus:

• Expert plan design consultation and flexible plan design
• Hours based eligibility
• Optional discretionary match and profit sharing

Case Study

Don’t Just Take Our Word for It

Hear directly from Gusto customers on how Vestwell’s payroll integration makes it easy to manage their plan.
Read the Case Study

Potential Savings

If you start a qualified retirement plan with auto-enrollment, you may qualify to earn tax credits of $15,000 or more depending on the size and eligibility of your business.

Tax Credit Eligibility

Do you currently have a 401(k) plan?

• Yes
• No

What year was it started?

• Select year
• 2025
• 2024
• 2023
• 2022
• Pre-2022

Employee Information

How many employees (including owners) were paid more than $5,000 in W-2 wages last year?

How many of those employees will earn more than $100,000 this year?

How many of those employees are classified as owners (as defined by the IRS)?

Who will pay the monthly employee fees?

• Employer
• Employee

Plan Type

• Basic
• Preferred

Calculate Savings

With tax credits, your plan will cost $0 over the plan's first three years!

Illustrative Costs:

• Total recordkeeping fees: $1,700
• Setup fee: $500
• Employee fee (optional): $3,240
• Total tax credits up to: $14,450

You're eligible for $11,250 in tax credits from matching contributions over the plan's first three years!

Note: This calculator is for illustration purposes only. It should not be construed as tax advice. Please consult a tax professional regarding specific tax needs. For further information please visit the IRS website.

Conclusion

Build your offering confidently with Gusto and Vestwell. With exclusive pricing and seamless integration with Gusto, there's never been a better time to start a 401(k) plan.