--- 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. ![Stephen R.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Stephen R.") SR Stephen R. Founder Small-Business (50 or fewer emp.) 9/18/2025 "Excellent retirement accounts for startups" 5/5 What do you like best about Gusto 401(k)? As both a founder and client of Guideline, I have been really pleased with how easy establishing our retirement account for our company. It was equally as easy to get started as a client, with simple and straightforward funds and allocations. My rollover was a breeze as wel. I've been pleased with the mobile app as well. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? I haven't run into too much here yet. I know Gusto just bought them, so we should see more integration with payroll/hr system... Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Easy retirement plans for start up. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller JM Jonathan M. CEO and Dentist Small-Business (50 or fewer emp.) 6/26/2025 "Hands off and easy to use" 5/5 What do you like best about Gusto 401(k)? I love how my employees can set their own contribution levels and customize their investments on their own. The service is so easy to use. Guideline takes care of regulatory compliance, so I can literally "set it and forget it." I love, too, how it integrates with Quickbooks. Contributions are auto-calculated and auto-deducted. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Integration with Quickbooks would be easier if the Roth and Traditional contributions would come through with different names, so we could set up a rule in Quickbooks to auto-categorize them. Under the current setup, we need to run a Quickbooks report and manually categorize them each time we run payroll. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? We are a very small business. Guideline allows us to offer a retirement plan that attracts talented employees, and helps keep us competitive. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Rajanikanth R.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Rajanikanth R.") RR Rajanikanth R. Engineering Manager Mid-Market (51-1000 emp.) 3/12/2026 "Streamlined Claim Management with an Interactive, Easy Interface" 5/5 What do you like best about Gusto 401(k)? Better claim management with a more streamlined process. It’s very interactive, and the interface is easy to use and navigate. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Wellness needs a little bit of polishing, but otherwise it’s pretty cool. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Dental and vision Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: G2 invite ![Corey P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Corey P.") CP Corey P. Owner Small-Business (50 or fewer emp.) 1/28/2025 "Good User friendly 401k service" 4/5 What do you like best about Gusto 401(k)? I really enjoyed how user friendly this is. It makes it easy to get the most out of the 401k begining to end. You are able to view on a sliding scale how much to put in compared to what the maxmimum the company will match. I use it with gusto and they both work well together and I have not encoutered any issues. I have not needed to use support so far. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? i have not found any issues so far with guideline. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? It is helping my company offer a 401k for myself and the employees. It is a streamlined process for all employees to use. Review collected by and hosted on G2.com. Show More Response from Guideline Team of Gusto 401(k) [Editedit](https://www.g2.com/survey_responses/gusto-401-k-review-10776017/official_response/edit) Thank you for the positive feedback! We’re committed to providing the best service possible. If there’s anything more we can do for you, please let us know at clients@guideline.com. 7/29/2025 Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller RS Rob S. President/CEO Small-Business (50 or fewer emp.) 4/29/2025 "No Nonsense 401K Management" 5/5 What do you like best about Gusto 401(k)? As a small company, it is difficult to offer a 401K option as you are not large enough for most providers to even look at your account. Without offering a 401K, it is difficult to compete in hiring qualified employees to progress your business. With Guideline, we are able to offer all of our qualifying employees a 401K option without all the normal management and paperwork. We are competitive in our hiring and our employees use the online portal to manage their own risk strategy. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Guideline really is a simple solution for businesses small or large to be able to focus on their core competencies instead of managing and administering a 401K. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? We are too small for the large corporate 401K administrators and their funds. Guideline however gives us access to these large ETF's in a simple and easy to manage way. Also we are more competitive in our hiring offerings now that we are able to offer a corporate matching 401K. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Jeff K.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jeff K.") JK Jeff K. Director of Brokerage Services Small-Business (50 or fewer emp.) 5/20/2025 "Great for Employers, Easy for Employees" 5/5 What do you like best about Gusto 401(k)? It’s incredibly easy to set up, fully automated, and I never have to think about compliance. The investment options are solid, low-cost, and make it easy for employees to get started. Total no-brainer for small businesses. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Honestly, nothing major. It does exactly what I need it to—simple setup, low-cost plans, and no compliance headaches. Hard to complain. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline solves the complexity and time drain of managing a 401(k) plan for a small business. It automates plan setup, compliance filings, and ongoing administration, so I don’t have to worry about regulatory pitfalls or paperwork. The seamless payroll integration means contributions happen automatically, reducing manual errors. Plus, the low-cost, well-curated investment options make it easy for employees to participate and save for retirement. Overall, it saves me significant administrative effort and gives my team a competitive benefit without breaking the budget. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Mark R.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Mark R.") MR Mark R. Owner Small-Business (50 or fewer emp.) 6/26/2025 "Guideline has been a great experience" 5/5 What do you like best about Gusto 401(k)? The process was seamless. I was actually very surprised at how easy it was to get set up and to get going. We have a login to see our dashboard and we also receive regular automated emails as things are happening behind the scenes. The system also integrates with our QuickBooks online. Highly recommend it! Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? I did not encounter any negatives in our setup. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline helped me setup a retirement plan for the employees of my small business. This was something that I wasn't sure was going to be possible due to time constraints. We are a small business and don't have a lot of extra bandwidth. Guideline made the process so simple. I'm totally impressed with it. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Jennifer H.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Jennifer H.") JH Jennifer H. Office Manager Mid-Market (51-1000 emp.) 10/8/2024 "Planning for Retirement Made Easy" 5/5 What do you like best about Gusto 401(k)? This is my first time saving with a 401K myself as well as assiting ownership with the plan for the company. The Guideline portal is VERY user friendly but when you partner that with the amazing customer support team, you really couldn't ask for a better system to help your employees plan for the future. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Honestly, I have zero complaints or dislikes about Guideline. We've used them since we decided to offer a 401K plan to our employees and it's been smooth sailing ever since. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Our management team for the company wears several different hats: we each manage our own teams plus an array of other tasks that are to be accomplished. Guideline helps ensure our employees are taken care of by the company without much work on our end:we offer 3% towards retirement without employee contribution and profit sharing. When I direct an employee to Guideline when I don't have an answer for them, I am 100% confident they will be helped by the Guideline team. Review collected by and hosted on G2.com. Show More Response from Guideline Team of Gusto 401(k) [Editedit](https://www.g2.com/survey_responses/gusto-401-k-review-10351143/official_response/edit) We’re so glad you’re enjoying our service! Here at Guideline, we’re committed to providing our customers with excellent service and are here for you if you need anything. Feel free to contact us at clients@guideline.com. 4/22/2025 Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![Mark B.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Mark B.") MB Mark B. Founder, Chief Creative Guy Small-Business (50 or fewer emp.) 4/5/2022 "This is a lot easier than you might think" 5/5 What do you like best about Gusto 401(k)? Super simple set up and easy-to-understand instructions are what set Guideline apart. As a small business owner, I needed a platform that could be set up easily for me as well as easy to use for our emploees. Guideline checked both boxes. Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? There's not much to dislike at all, honestly. Some of the required forms/disclosures were a bit challenging, but all it took was searching the FAQs and confirming with my accountant that I was doing the right things and we were all set. I'd say the learning curve for some (reading disclosures and requirements) might be a bit off-putting, but I think that's expected with legal terms when it comes to financial products. Review collected by and hosted on G2.com. Recommendations to others considering Gusto 401(k): If you're looking for an easy set up, low fees, and hassle-free administration, check out Guidline. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? I was able to get my employees on a 401(k) that was easy to set up, had reasonable fees, and doesn't require a lot of work on my end. The benefits are immediate because I am able to supply a solid benefit to my employees, and I have saved a ton of time and hassle for myself. Review collected by and hosted on G2.com. Show More 4/22/2025 Current UserValidated ReviewerIncentivizedSource: G2 invite on behalf of seller ![willie s.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "willie s.") WS willie s. Accountant Small-Business (50 or fewer emp.) 10/21/2025 "Effortless Setup, But Lacks Direct Professional Support for Employees" 4/5 What do you like best about Gusto 401(k)? Easy to set up, the employees take care of entering in their information, and very little post setup work required Review collected by and hosted on G2.com. What do you dislike about Gusto 401(k)? Employees do not have direct access to a certified professional to help them set up funds. Review collected by and hosted on G2.com. What problems is Gusto 401(k) solving and how is that benefiting you? Guideline allowed us to set up a simple retirement plan, a benefit that the employees were asking to have since before I was hired. Review collected by and hosted on G2.com. 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