# 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](/content/blog/beyond-the-books-leveraging-technology-for-financial-empowerment/index.html)

## 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](https://www.irs.gov/retirement-plans/retirement-plans-startup-costs-tax-credit).

## 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.