Support your team’s futures with 401(k) plans.

Get easy, affordable 401(k) plans that help you and your employees save for retirement through our partner, Guideline. Contributions and deductions sync automatically with Square Payroll.


Simple and fully integrated

Leave it to our partner, Guideline, to do the heavy lifting. They will:

  • Handle plan administration and employee onboarding.
  • Test compliance.1
  • File government records.
  • Sync employee data automatically with Square Payroll.
  • Automate 401(k) deductions on each pay run.

Predictable pricing

Guideline keeps prices low and predictable month to month.

  • Their most popular plan is $89/mo + $8 per participating employee.
  • Participants pay an annual account fee starting at 0.15%.2

Set up in three simple steps:

  1. Open an account.

    Your company details and employee info will import automatically to Square Payroll.

  2. Build your plan.

    Guideline specialists will help you select a plan and add features such as profit sharing, employer matching, and more.

  3. Set a start date.

    Guideline will invite and onboard your employees and provide full support along the way.


68% of workers say that a 401(k) benefit is critical when deciding to accept a job. 

Source: Accenture

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HR Manager

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Protect your business with insurance, required by many states if you have one or more employees.

Health benefits

Offer a medical, dental, and vision plan that fits every member of your team.

Square is not a client of Guideline. Guideline pays a fee for each 401(k) and SEP IRA client referred by Square, as outlined in our written solicitation arrangement with Square. We’ll provide additional disclosures prior to opening an account with Guideline. See our Privacy Policy to learn how we use and protect your information.

1All plans of related entities must be administered by Guideline in order to provide compliance testing.

2An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See our Form ADV 2A Brochure for more information regarding fees.