--- title: Gusto 401(k) Reviews meta\_title: 'Gusto 401(k) Reviews 2026: Details, Pricing, & Features | G2' meta\_description: Filter 1156 reviews by the users' company size, role or industry to find out how Gusto 401(k) works for a business like yours. aggregate\_rating: rating\_value: 4.5 review\_count: 1156 scale: '5' date\_modified: '2026-08-11' parent\_category: name: HR url: https://www.g2.com/categories/hr --- ### Gusto 401(k) Pros and Cons: Top 5 Advantages and Disadvantages #### Quick AI Summary Based on G2 Reviews Generated from real user reviews Users find the **ease of use** of Guideline exceptional, allowing quick adoption and smooth implementation for teams. [(144 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322972&qs=pros-and-cons#reviews) Users find the **easy setup** of Guideline intuitive and accessible, simplifying the onboarding process for their teams. [(106 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323795&qs=pros-and-cons#reviews) Users appreciate the **helpful customer support** from Guideline, making interactions smooth and issue resolution prompt. [(70 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323136&qs=pros-and-cons#reviews) Users appreciate the **seamless integration** with QuickBooks, making payroll management easy and user-friendly. [(70 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323049&qs=pros-and-cons#reviews) Users commend the **ease of use** in 401k Management, highlighting its simple setup and integration with payroll systems. [(59 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323186&qs=pros-and-cons#reviews) Users find the **limited investment options** of Guideline disappointing, especially the lack of cryptocurrency exposure. [(16 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323356&qs=pros-and-cons#reviews) Users feel that **limited options** for investment customization restrict their ability to tailor portfolios effectively. [(15 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322885&qs=pros-and-cons#reviews) Users find **limited customization options** for reporting and plan configurations, impacting detailed requirements and flexibility. [(13 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323066&qs=pros-and-cons#reviews) Users express frustration with **poor customer support** , experiencing delays and difficulty in getting timely assistance. [(13 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323273&qs=pros-and-cons#reviews) Users feel there is **inadequate guidance** for investment decisions, leaving teams without necessary support and control. [(11 mentions)](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323093&qs=pros-and-cons#reviews) ### 5 Pros or Advantages of Gusto 401(k) ##### 1. Ease of Use Users find the **ease of use** of Guideline exceptional, allowing quick adoption and smooth implementation for teams. [ See 144 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322972&qs=pros-and-cons#reviews) See Related User Reviews ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") E Verified User Small-Business (50 or fewer emp.) 4.5/5 "Easy to set up and administer 401k plan" What do you like about Gusto 401(k)? Ease of use and simple to understand interface for admins and users. ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") A Verified User Small-Business (50 or fewer emp.) 5.0/5 "Effortless Retirement Plan Management with Transparent Pricing" What do you like about Gusto 401(k)? Guideline streamlines retirement plans, making them easy to manage without introducing unnecessary complexity. The platform is user-friendly, with tra ##### 2. Easy Setup Users find the **easy setup** of Guideline intuitive and accessible, simplifying the onboarding process for their teams. [ See 106 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323795&qs=pros-and-cons#reviews) See Related User Reviews ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") A Verified User Small-Business (50 or fewer emp.) 5.0/5 "Effortless Retirement Plan Management with Transparent Pricing" What do you like about Gusto 401(k)? Guideline streamlines retirement plans, making them easy to manage without introducing unnecessary complexity. The platform is user-friendly, with tra ![John T.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "John T.") JT John T. Small-Business (50 or fewer emp.) 5.0/5 "Simple Interface and Excellent Investment Choices" What do you like about Gusto 401(k)? Guideline has a simple interface and a great selection of investments from which to choose for long term gains. Setting up the account and making chan ##### 3. Customer Support Users appreciate the **helpful customer support** from Guideline, making interactions smooth and issue resolution prompt. [ See 70 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323136&qs=pros-and-cons#reviews) See Related User Reviews ![John T.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "John T.") JT John T. Small-Business (50 or fewer emp.) 5.0/5 "Simple Interface and Excellent Investment Choices" What do you like about Gusto 401(k)? Guideline has a simple interface and a great selection of investments from which to choose for long term gains. Setting up the account and making chan TM Tima M. Small-Business (50 or fewer emp.) 4.0/5 "Effortless Payroll Integration and Automation with Guideline" What do you like about Gusto 401(k)? I like that Guideline easily integrates with our payroll software. It automates the administrative tasks, such as compliance testing, government filin ##### 4. Easy Integrations Users appreciate the **seamless integration** with QuickBooks, making payroll management easy and user-friendly. [ See 70 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323049&qs=pros-and-cons#reviews) See Related User Reviews JC Joon C. Small-Business (50 or fewer emp.) 4.5/5 "Easy Integration and Low Fees, But Reporting Needs Improvement" What do you like about Gusto 401(k)? The platform offers low fees and is extremely straightforward to integrate and set up. ![Kelly G.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Kelly G.") KG Kelly G. 5.0/5 "Effortless Setup with Seamless QuickBooks Integration" What do you like about Gusto 401(k)? I appreciate the convenience that Guideline provides, which is evident in how seamlessly it integrates with QuickBooks, allowing me to set up my emplo ##### 5. 401k Management Users commend the **ease of use** in 401k Management, highlighting its simple setup and integration with payroll systems. [ See 59 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323186&qs=pros-and-cons#reviews) See Related User Reviews MM Michelle M. Mid-Market (51-1000 emp.) 4.0/5 "Excellent 401K Administrative Services" What do you like about Gusto 401(k)? Administrative services for the 401K that relieve HR oversight. ![Jonathan W.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jonathan W.") JW Jonathan W. Small-Business (50 or fewer emp.) 4.0/5 "Great Low-Cost Funds, But Limited Investment Choices" What do you like about Gusto 401(k)? Competent 401K administrator. Low expense ratio funds. ### 5 Cons or Disadvantages of Gusto 401(k) ##### 1. Limited Investment Options Users find the **limited investment options** of Guideline disappointing, especially the lack of cryptocurrency exposure. [ See 16 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323356&qs=pros-and-cons#reviews) See Related User Reviews ![Jonathan W.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jonathan W.") JW Jonathan W. Small-Business (50 or fewer emp.) 4.0/5 "Great Low-Cost Funds, But Limited Investment Choices" What do you dislike about Gusto 401(k)? Limited investment options. No ability for crypto exposure is a travesty. ![Jesica A.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jesica A.") JA Jesica A. Small-Business (50 or fewer emp.) 4.0/5 "Simple and straightforward platform." What do you dislike about Gusto 401(k)? It works well for our use case, but if a more complex plan is needed or more investment choices are needed, Guideline may not be the best option. ##### 2. Limited Options Users feel that **limited options** for investment customization restrict their ability to tailor portfolios effectively. [ See 15 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1322885&qs=pros-and-cons#reviews) See Related User Reviews ![John T.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "John T.") JT John T. Small-Business (50 or fewer emp.) 5.0/5 "Simple Interface and Excellent Investment Choices" What do you dislike about Gusto 401(k)? Guideline does not offer advanced research or analysis in the basic plan we have. More advanced investors will likely have other resources for this re ![Jonathan W.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jonathan W.") JW Jonathan W. Small-Business (50 or fewer emp.) 4.0/5 "Great Low-Cost Funds, But Limited Investment Choices" What do you dislike about Gusto 401(k)? Limited investment options. No ability for crypto exposure is a travesty. ##### 3. Limited Customization Users find **limited customization options** for reporting and plan configurations, impacting detailed requirements and flexibility. [ See 13 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323066&qs=pros-and-cons#reviews) See Related User Reviews ![Verified User](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User") A Verified User Small-Business (50 or fewer emp.) 5.0/5 "Effortless Retirement Plan Management with Transparent Pricing" What do you dislike about Gusto 401(k)? There are some occasional limitations when it comes to customization and reporting, particularly if you need highly detailed or specialized plan confi AW Ayishah W. Small-Business (50 or fewer emp.) 5.0/5 "Great 401(k) Option for Startups and Growing Teams" What do you dislike about Gusto 401(k)? The one area where Guideline could improve is the reporting dashboard. While it works and provides the essentials, it doesn’t offer much flexibility f ##### 4. Poor Customer Support Users express frustration with **poor customer support** , experiencing delays and difficulty in getting timely assistance. [ See 13 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323273&qs=pros-and-cons#reviews) See Related User Reviews ![Caitlin C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Caitlin C.") CC Caitlin C. Mid-Market (51-1000 emp.) 3.0/5 "Easy for Admins, Handy App for Teams" What do you dislike about Gusto 401(k)? Getting ahold of support was difficult at times. MM Michelle M. Mid-Market (51-1000 emp.) 4.0/5 "Excellent 401K Administrative Services" What do you dislike about Gusto 401(k)? Sometimes the difficulty getting a representative ##### 5. Inadequate Guidance Users feel there is **inadequate guidance** for investment decisions, leaving teams without necessary support and control. [ See 11 mentions ](https://www.g2.com/products/gusto-401-k/reviews?filters%5Bsentiment_snippet%5D=1323093&qs=pros-and-cons#reviews) See Related User Reviews ![John T.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "John T.") JT John T. Small-Business (50 or fewer emp.) 5.0/5 "Simple Interface and Excellent Investment Choices" What do you dislike about Gusto 401(k)? Guideline does not offer advanced research or analysis in the basic plan we have. More advanced investors will likely have other resources for this re ![willie s.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "willie s.") WS willie s. Small-Business (50 or fewer emp.) 4.0/5 "Effortless Setup, But Lacks Direct Professional Support for Employees" What do you dislike about Gusto 401(k)? Employees do not have direct access to a certified professional to help them set up funds. TM Tima M. Office Manager Small-Business (50 or fewer emp.) 10/21/2025 "Effortless Payroll Integration and Automation with Guideline" 4/5 What do you like best about Gusto 401(k)? I like that Guideline easily integrates with our payroll software. It automates the administrative tasks, such as compliance testing, government filings, and recordkeeping, which saves our company time and effort. The Guideline platform is user friendly and offers helpful links to resources for the employer and employees. And I have great experiences with customer service reps when I have encountered any issues. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? At this time, there is nothing not to like. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline offers a good 401(k) plan that fits the needs of our small business and employees. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Ryan J.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Ryan J.") RJ Ryan J. Controller Mid-Market (51-1000 emp.) 9/16/2025 "Great 401(k) Service, Could Use More Investment Options" 4/5 What do you like best about Gusto 401(k)? Overall, I’ve had a positive experience with Guideline. The platform is easy to use, with a clean and intuitive interface that makes navigation simple. I especially appreciate how seamless it is to manage my account. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? I think there’s room for improvement. It would be helpful if the dashboard included more detailed metrics to give users deeper insights into their retirement progress. Additionally, expanding the range of investment options—particularly by including ETFs—would make the platform even stronger. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? “Guideline makes it easy to manage my 401(k) with minimal effort. The platform’s simplicity and automation save me time while ensuring my retirement savings stay on track. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Apparel & Fashion](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Apparel & Fashion") UA Verified User in Apparel & Fashion Small-Business (50 or fewer emp.) 5/19/2026 "Simple, Effective Retirement Plan" 5/5 What do you like best about Gusto 401(k)? Guideline is simple, effective, and I know exactly where my retirement money is going. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Right now, Guideline is integrating into Gusto, so navigating those changes have been interesting. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? It is easy to see exactly where my money is, how much is accumulating, and changing my investment percentage is such a simple process. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Thank You page ![Jeff C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jeff C.") JC Jeff C. President Small-Business (50 or fewer emp.) 7/29/2025 "Guideline a good product for a great price." 4/5 What do you like best about Gusto 401(k)? Of the 5 companies that I researched before setting up my company's 401k plan, guideline was the cheapest by far. While there were a couple of companies that offered plans with slightly lower fees for the employer, the monthly fees charged to the employees were significantly cheaper at guideline. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Limited investment options (currently only Vanguard Mutual funds). Getting to actually talk to a person on the phone is a chore (unfortunately that is becoming the norm everywhere). Accessing your funds was hard (401k loan), but it seems like they have updated the website in the last year and you can now do that without a bunch of phone calls or emails. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline set up and administers my company 401k plan. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Computer Networking](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Computer Networking") UC Verified User in Computer Networking Mid-Market (51-1000 emp.) 3/3/2026 "Easy Contribution Adjustments and Excellent Customized Portfolios" 5/5 What do you like best about Gusto 401(k)? I like how easy it is to adjust contribution amount, contribution limits and the customized portfolios are extremely nice. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? The account fee but you will get that with most other options so it is not that big of a deal. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? It is helping me invest for my future extremely easily. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerSource: Organic ![Seo L.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Seo L.") SL Seo L. Director Mid-Market (51-1000 emp.) 5/20/2025 "Guideline 401(k) Management Review" 4.5/5 What do you like best about Gusto 401(k)? Guideline offers an exceptional 401(k) management solution that stands out in the financial services industry. The platform excels with its intuitive user interface, making retirement plan management straightforward and accessible for both employers and employees. The user experience is particularly impressive, with a clean, logical layout that simplifies navigation through complex retirement planning options. This thoughtful design approach eliminates the confusion typically associated with retirement account management. When I encountered a mortgage application process requiring specific documentation from my retirement accounts, Guideline's support team responded promptly and efficiently. They provided all necessary documentation in a timely manner, demonstrating their commitment to customer service excellence. Overall, Guideline delivers a comprehensive 401(k) management solution that combines technological sophistication with responsive human support, making it a valuable partner for retirement planning needs.​​​​​​​​​​​​​​​​ Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? - Monthly statements not available as early as preferred​​​​​​​​​​​​​​​​ Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline effectively solves the complex challenge of 401(k) administration by: - Streamlining employee retirement plan management through an intuitive platform - Reducing administrative burden with automated compliance and reporting features - Providing responsive support for both employer and employee documentation needs - Simplifying fiduciary responsibilities with transparent fee structures and investment options This comprehensive solution benefits our organization by allowing us to offer competitive retirement benefits while minimizing the time and resources typically required for 401(k) administration. The efficiency gains enable our HR team to focus on strategic initiatives rather than getting bogged down in retirement plan paperwork and compliance concerns.​​​​​​​​​​​​ Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Blair Z.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Blair Z.") BZ Blair Z. CEO Small-Business (50 or fewer emp.) 5/20/2025 "Effortless 401(k) Management with Guideline and QuickBooks Integration" 5/5 What do you like best about Gusto 401(k)? We have been using Guideline for our 401(k) plan, and the integration with QuickBooks has made the entire process incredibly efficient. From setup to ongoing management, the platform is intuitive and user-friendly for both administrators and employees. For administrators, syncing payroll is seamless. Contributions are automatically calculated and submitted, removing the need for manual uploads or constant oversight. The dashboard is clear, and reporting is simple but comprehensive. Everything just flows without disruption, which has saved us significant time. Employees also find it easy to navigate. Enrollment is straightforward, and users can view their contributions, investment options, and performance at a glance. The interface makes retirement planning feel accessible, even for those new to investing. Overall, Guideline’s streamlined connection with QuickBooks makes managing a 401(k) plan feel less like a chore and more like a built-in benefit. We highly recommend it for small businesses looking for a simple, modern retirement plan solution. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? The investment options are somewhat limited compared to larger providers. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline solves the headache of managing a 401(k) plan by fully automating the process and integrating directly with QuickBooks. It eliminates the need for manual data entry, reduces the risk of errors in contributions, and handles compliance and filing behind the scenes. For us, that means less time spent on administrative tasks, no more chasing down paperwork, and peace of mind knowing the plan is being managed properly. It also makes it easier to offer a competitive benefit to our team without adding extra burden to our operations. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Verified User in Insurance](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Insurance") UI Verified User in Insurance Small-Business (50 or fewer emp.) 4/15/2026 "Guideline Makes 401(k) Investing Easy and Confident" 5/5 What do you like best about Gusto 401(k)? I love that guideline does the guessing for me in making sure my 401k funds are aggressively invested. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? I wish there were more investment options available. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline makes investing feel simple and worry-free for me. That’s a big benefit, because I wouldn’t normally put much thought into investing for the future, and this helps me stay on track without overthinking it. Review collected by and hosted on G2.com. Show More Validated ReviewerSource: Thank You page ![Verified User in Non-Profit Organization Management](/assets/icons/anonymous-avatar-purple-4ae1032bdb50ee5682003170c8184aee790d25958bd397abbd384ba52c596a7b.svg "Verified User in Non-Profit Organization Management") AN Verified User in Non-Profit Organization Management Small-Business (50 or fewer emp.) 7/29/2025 "Guideline Review Administrator & Employee Viewpoint" 5/5 What do you like best about Gusto 401(k)? I have the administrative view as management which makes it easy to answer employee questions. It is an intuitive website and there isn't too many places to click on so it makes finding things easy. As an employee I have used the website to ask for a loan against my 401k in a hardship situation. Not having to submit forms or bring other people into the loop helped me make it more private and it was simple to submit. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? For the loan requests there is a path I had to take that wasn't easy to find so if there is something added to the drop down for that particular option that would be great. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? For employees, staff have the ease of changing their deductions and also looking at their portfolio. As an administrator, it is easy to pull reports for accounting and since implementing this software over a year ago almost two we have had zero complaints from staff about their ability to access or use the software. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Fran A.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Fran A.") FA Fran A. Manager, People & Firm Operations Small-Business (50 or fewer emp.) 7/29/2025 "Great for basic SMB plans" 4/5 What do you like best about Gusto 401(k)? The support we have received has been amazing in transitioning, setting up, and maintaining our 401(k). The dashboard is very user friendly on both the sponsor and participant side of things. There is a seamless integration with our HRIS which makes managing and updating very easy. The investment options are also great and the help center makes navigating the platform and answering plan questions very easy, I like that I can easily refer employees to those help pages. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? The 401(k) setups offered can be restrictive which may pose a difficulty for those who are wanting more flexibility with their 401(k). We are unable to restrict certain compensation types from being eligible (i.e., bonus) and employment types (i.e., interns), which leads to some manual adjustments. There are some features from the SECURE 2.0 act which are not available nor is there the option to have someone from Guideline present on the 401(k), which would be nice to have. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Lack of insight on the employer side and ease of use for employees. Review collected by and hosted on G2.com. 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