# Gusto Retirement Help Center

> What can we help you with?

## English

### Employees

- [Pre-tax vs. Roth: Factors to consider when contributing to your 401\(k\)](https://help.guideline.com/en/articles/8593915-pre-tax-vs-roth-factors-to-consider-when-contributing-to-your-401-k.md): The main difference between traditional and Roth 401\(k\) contributions is when you are taxed, but there's more to consider.
- [What is a blackout period?](https://help.guideline.com/en/articles/8593680-what-is-a-blackout-period.md): During a blackout period, participants may have limited access to 401\(k\) funds. Here's why and when this may occur.
- [What to expect if your employer offers a Starter 401\(k\) plan with Gusto](https://help.guideline.com/en/articles/8646469-what-to-expect-if-your-employer-offers-a-starter-401-k-plan-with-gusto.md): Starter 401\(k\) plans have different requirements and limits than standard 401\(k\) plans. Here are the features of a Starter 401\(k\).
- [401\(k\) accounts and non-US residents](https://help.guideline.com/en/articles/8571256-401-k-accounts-and-non-us-residents.md): How resident status can affect your ability to participate in a 401\(k\).
- [New 401\(k\) participant welcome guide](https://help.guideline.com/en/articles/10127196-new-401-k-participant-welcome-guide.md): If your employer offers a 401\(k\) with Gusto, this welcome guide offers important info about your retirement account.
- [How do I set up my 401\(k\) account?](https://help.guideline.com/en/articles/8640476-how-do-i-set-up-my-401-k-account.md): Once you're eligible, you'll receive an email with a unique link where you can enroll in your 401\(k\) plan.
- [What are my 401\(k\) fees?](https://help.guideline.com/en/articles/8605015-what-are-my-401-k-fees.md): We’re transparent about the fees associated with your account. Here’s what you can expect.
- [An introduction to your retirement dashboard](https://help.guideline.com/en/articles/10347533-an-introduction-to-your-retirement-dashboard.md): How to navigate to key features in your participant dashboard.
- [What is 401\(k\) automatic enrollment?](https://help.guideline.com/en/articles/8605326-what-is-401-k-automatic-enrollment.md): Employees who do not take action to either self-enroll or opt out by the enrollment date will be automatically enrolled in their 401\(k\).
- [The advantages of automatic enrollment for employees](https://help.guideline.com/en/articles/8604974-the-advantages-of-automatic-enrollment-for-employees.md)
- [What is automatic escalation?](https://help.guideline.com/en/articles/8593867-what-is-automatic-escalation.md): Auto-escalation automatically increases an employee's contribution rate on a set schedule to help boost retirement savings.
- [What to consider before stopping your 401\(k\) contributions](https://help.guideline.com/en/articles/8646460-what-to-consider-before-stopping-your-401-k-contributions.md)
- [How do I opt out or stop contributing to my 401\(k\) account?](https://help.guideline.com/en/articles/8640431-how-do-i-opt-out-or-stop-contributing-to-my-401-k-account.md): If you don't want to invest in your 401\(k\), here's how to opt out or stop your contributions.
- [I was auto-enrolled into my company’s 401\(k\) — can I get my money back?](https://help.guideline.com/en/articles/8604905-i-was-auto-enrolled-into-my-company-s-401-k-can-i-get-my-money-back.md): If you were auto-enrolled in a Guideline 401\(k\), it is possible to get a refund of contributions in some scenarios.
- [How do I roll over other retirement accounts to my Gusto 401\(k\)?](https://help.guideline.com/en/articles/8640471-how-do-i-roll-over-other-retirement-accounts-to-my-gusto-401-k.md): This guide shares step-by-step instructions to complete an inbound rollover to transfer other retirement funds to your Gusto 401\(k\).
- [What types of retirement accounts can I roll over to Gusto Retirement?](https://help.guideline.com/en/articles/8646470-what-types-of-retirement-accounts-can-i-roll-over-to-gusto-retirement.md): Not all retirement accounts can be rolled into one another. Our chart shares which ones can be rolled over to your Gusto Retirement account.
- [When can I roll funds into my Gusto 401\(k\) account?](https://help.guideline.com/en/articles/8646498-when-can-i-roll-funds-into-my-gusto-401-k-account.md)
- [Mobile app guide: How to roll over other retirement accounts into Gusto Retirement](https://help.guideline.com/en/articles/9241977-mobile-app-guide-how-to-roll-over-other-retirement-accounts-into-gusto-retirement.md): Here are step-by-step instructions to transfer other retirement accounts into your Gusto 401\(k\) using our mobile app.
- [How to request a Letter of Acceptance \(LOA\)](https://help.guideline.com/en/articles/8640718-how-to-request-a-letter-of-acceptance-loa.md): You can contact participant support to request a Letter of Acceptance for your inbound rollover to Guideline.
- [How to roll over funds from one Gusto 401\(k\) account to another?](https://help.guideline.com/en/articles/8604675-how-to-roll-over-funds-from-one-gusto-401-k-account-to-another.md)
- [Can I move money from a SIMPLE IRA to my Gusto 401\(k\) or IRA?](https://help.guideline.com/en/articles/9308574-can-i-move-money-from-a-simple-ira-to-my-gusto-401-k-or-ira.md): You can rollover your SIMPLE IRA into a Gusto 401\(k\) or IRA. However, you must meet certain requirements to do so.
- [How do I set up or change my 401\(k\) contribution rate?](https://help.guideline.com/en/articles/8640267-how-do-i-set-up-or-change-my-401-k-contribution-rate.md): Here are step-by-step directions for setting or adjusting how much you contribute to your 401\(k\).
- [How much can I contribute to my 401\(k\) this year?](https://help.guideline.com/en/articles/8640544-how-much-can-i-contribute-to-my-401-k-this-year.md): The contribution limit for all your 401\(k\) and 403\(b\) plans is $23,500 for 2025 and $24,500 for 2026.
- [What happens if I overcontribute to my 401\(k\) account?](https://help.guideline.com/en/articles/8605068-what-happens-if-i-overcontribute-to-my-401-k-account.md): The IRS sets annual personal contribution limits for 401\(k\) accounts. Here's what happens if you contribute too much and exceed that limit.
- [How can I ensure I max out my contributions to hit the annual limit?](https://help.guideline.com/en/articles/8613775-how-can-i-ensure-i-max-out-my-contributions-to-hit-the-annual-limit.md)
- [What are 401\(k\) catch-up contributions?](https://help.guideline.com/en/articles/8605012-what-are-401-k-catch-up-contributions.md): Catch-up contributions allow those nearing retirement to make contributions above the annual deferral limit. Here's when this applies.
- [Can I make 401\(k\) contributions for prior years?](https://help.guideline.com/en/articles/8614968-can-i-make-401-k-contributions-for-prior-years.md)
- [Can I contribute to multiple 401\(k\) plans in a year?](https://help.guideline.com/en/articles/8614953-can-i-contribute-to-multiple-401-k-plans-in-a-year.md): You are permitted to contribute to more than one 401\(k\) plan within the same year, but contribution limits will apply.
- [How much should I contribute to my 401\(k\)?](https://help.guideline.com/en/articles/8640556-how-much-should-i-contribute-to-my-401-k.md): There’s no one-size-fits all answer to how much you should contribute to your 401\(k\), but here are some general points to consider.
- [When will my contributions settle in my 401\(k\) account?](https://help.guideline.com/en/articles/8646527-when-will-my-contributions-settle-in-my-401-k-account.md)
- [How do I request a correction if there's an error in my 401\(k\) contributions?](https://help.guideline.com/en/articles/8640437-how-do-i-request-a-correction-if-there-s-an-error-in-my-401-k-contributions.md)
- [Can I contribute 100% of my paycheck into my 401\(k\)?](https://help.guideline.com/en/articles/8614948-can-i-contribute-100-of-my-paycheck-into-my-401-k.md)
- [Are voluntary after-tax contributions and backdoor Roth rollovers permitted with Gusto 401\(k\)?](https://help.guideline.com/en/articles/8598378-are-voluntary-after-tax-contributions-and-backdoor-roth-rollovers-permitted-with-gusto-401-k.md)
- [What if I can’t afford to contribute to my 401\(k\) right now?](https://help.guideline.com/en/articles/8605259-what-if-i-can-t-afford-to-contribute-to-my-401-k-right-now.md): It can be tough to set aside money for retirement now. But even starting small can amount to significant savings over time.
- [Can I choose different allocations for my current portfolio vs. future contributions?](https://help.guideline.com/en/articles/8614935-can-i-choose-different-allocations-for-my-current-portfolio-vs-future-contributions.md)
- [What does a suspended payroll contribution mean?](https://help.guideline.com/en/articles/8605045-what-does-a-suspended-payroll-contribution-mean.md)
- [How can ADP and ACP testing affect me as a participant?](https://help.guideline.com/en/articles/8800612-how-can-adp-and-acp-testing-affect-me-as-a-participant.md): If your employer's plan fails compliance tests, you may have contributions returned or receive additional employer contributions.
- [If a SIMPLE IRA is transitioned to a 401\(k\) mid-year, how much can I contribute?](https://help.guideline.com/en/articles/9493053-if-a-simple-ira-is-transitioned-to-a-401-k-mid-year-how-much-can-i-contribute.md): How to calculate your 401\(k\) employee contribution limit after a SIMPLE IRA conversion.
- [What is a 401\(k\) default deferral rate?](https://help.guideline.com/en/articles/8605327-what-is-a-401-k-default-deferral-rate.md)
- [Why are there no 401\(k\) deductions in my first January paycheck?](https://help.guideline.com/en/articles/8646595-why-are-there-no-401-k-deductions-in-my-first-january-paycheck.md)
- [Why you may receive lost earnings adjustments in your 401\(k\)](https://help.guideline.com/en/articles/12258748-why-you-may-receive-lost-earnings-adjustments-in-your-401-k.md): You may receive lost earnings adjustments if there's a delay in your 401\(k\) contributions being deposited into your account.
- [2026 key changes for high earners making catch-up contributions](https://help.guideline.com/en/articles/12976861-2026-key-changes-for-high-earners-making-catch-up-contributions.md)
- [What is a 401\(k\) employer match?](https://help.guideline.com/en/articles/8605329-what-is-a-401-k-employer-match.md): A match is money your employer adds to your 401\(k\) based on your personal contributions, up to a certain amount.
- [What is vesting?](https://help.guideline.com/en/articles/8646454-what-is-vesting.md): Vesting refers to the amount of time you must work for your employer before you own certain employer contributions.
- [What is a graded vesting schedule?](https://help.guideline.com/en/articles/8593694-what-is-a-graded-vesting-schedule.md)
- [What is a cliff vesting schedule?](https://help.guideline.com/en/articles/8593684-what-is-a-cliff-vesting-schedule.md)
- [What is profit sharing?](https://help.guideline.com/en/articles/8593900-what-is-profit-sharing.md)
- [Am I eligible to make an owner contribution?](https://help.guideline.com/en/articles/8597550-am-i-eligible-to-make-an-owner-contribution.md): Owner contributions allow business owners who earn self-employment income to make 401\(k\) contributions.
- [How do I request an owner contribution?](https://help.guideline.com/en/articles/8640440-how-do-i-request-an-owner-contribution.md)
- [Why were employer contributions not included with elective deferrals made from an owner contributions?](https://help.guideline.com/en/articles/8646779-why-were-employer-contributions-not-included-with-elective-deferrals-made-from-an-owner-contributions.md)
- [What’s the difference between a 401\(k\) loan and hardship withdrawal?](https://help.guideline.com/en/articles/8646480-what-s-the-difference-between-a-401-k-loan-and-hardship-withdrawal.md): Both loans and hardship withdrawals allow you to tap into your 401\(k\) funds before retirement, but here's how they differ.
- [What is a 401\(k\) loan and do I qualify?](https://help.guideline.com/en/articles/8593670-what-is-a-401-k-loan-and-do-i-qualify.md): An explanation of 401\(k\) loans, including eligibility, limitations, and how to request one with Guideline.
- [401\(k\) loan FAQ](https://help.guideline.com/en/articles/8589134-401-k-loan-faq.md)
- [What is a hardship withdrawal and how do I apply?](https://help.guideline.com/en/articles/8593697-what-is-a-hardship-withdrawal-and-how-do-i-apply.md): A hardship withdrawal permits you to remove funds from your 401\(k\) for specific IRS-approved financial needs.
- [How long will my 401\(k\) loan request take?](https://help.guideline.com/en/articles/8640525-how-long-will-my-401-k-loan-request-take.md)
- [What does my loan status mean?](https://help.guideline.com/en/articles/9289222-what-does-my-loan-status-mean.md): Tracking your loan status will help you stay informed and confirm your payments are processing as you expect. Here's what each status means.
- [How do I make payments or pay off my 401\(k\) loan?](https://help.guideline.com/en/articles/8640349-how-do-i-make-payments-or-pay-off-my-401-k-loan.md): Steps to make manual payments for your 401\(k\) loan through your dashboard.
- [Why are my 401\(k\) loan payments late or defaulted?](https://help.guideline.com/en/articles/8646580-why-are-my-401-k-loan-payments-late-or-defaulted.md)
- [When you may be eligible for a 401\(k\) loan suspension](https://help.guideline.com/en/articles/8646552-when-you-may-be-eligible-for-a-401-k-loan-suspension.md)
- [What happens to my 401\(k\) loan if my employer changes 401\(k\) providers?](https://help.guideline.com/en/articles/8605075-what-happens-to-my-401-k-loan-if-my-employer-changes-401-k-providers.md)
- [What happens to my 401\(k\) loan if I leave my employer or my employer cancels the plan?](https://help.guideline.com/en/articles/8605073-what-happens-to-my-401-k-loan-if-i-leave-my-employer-or-my-employer-cancels-the-plan.md)
- [What does it mean when a 401\(k\) loan is deemed distributed or offset?](https://help.guideline.com/en/articles/8605048-what-does-it-mean-when-a-401-k-loan-is-deemed-distributed-or-offset.md)
- [What is a qualified plan loan offset?](https://help.guideline.com/en/articles/8593853-what-is-a-qualified-plan-loan-offset.md)
- [How do I request a hardship withdrawal from my 401\(k\)?](https://help.guideline.com/en/articles/8640439-how-do-i-request-a-hardship-withdrawal-from-my-401-k.md)
- [My company is switching to Gusto — what happens to my existing 401\(k\) loan?](https://help.guideline.com/en/articles/8604923-my-company-is-switching-to-gusto-what-happens-to-my-existing-401-k-loan.md)
- [Do I qualify for a 401\(k\) withdrawal or rollover?](https://help.guideline.com/en/articles/8615057-do-i-qualify-for-a-401-k-withdrawal-or-rollover.md): IRS rules only allow you to distribute 401\(k\) funds in certain circumstances. Here's when you may qualify.
- [How long will my withdrawal or rollover distribution request take?](https://help.guideline.com/en/articles/8640532-how-long-will-my-withdrawal-or-rollover-distribution-request-take.md)
- [How do I move money out of Gusto Retirement?](https://help.guideline.com/en/articles/8640679-how-do-i-move-money-out-of-gusto-retirement.md): This guide shares step-by-step directions on how to withdraw your 401\(k\) balance for a cashout or rollover distribution.
- [Why a cash distribution or outbound rollover may be delayed](https://help.guideline.com/en/articles/8646572-why-a-cash-distribution-or-outbound-rollover-may-be-delayed.md): If you're waiting on funds from a cashout and rollover distribution, here's why it might be delayed.
- [How to request that a check be reissued for a distribution or rollover](https://help.guideline.com/en/articles/8640720-how-to-request-that-a-check-be-reissued-for-a-distribution-or-rollover.md)
- [How to rollover your Gusto 401\(k\) into an IRA](https://help.guideline.com/en/articles/8582730-how-to-rollover-your-gusto-401-k-into-an-ira.md)
- [How an in-service distribution may allow you to withdraw from your 401\(k\) while still employed](https://help.guideline.com/en/articles/8614990-how-an-in-service-distribution-may-allow-you-to-withdraw-from-your-401-k-while-still-employed.md): An inservice distribution allows you to make a withdrawal or rollover from your 401\(k\) if you are 59 1/2 and still working.
- [If my employer closes our 401\(k\) plan, when will I have access to my funds?](https://help.guideline.com/en/articles/8604882-if-my-employer-closes-our-401-k-plan-when-will-i-have-access-to-my-funds.md)
- [How Gusto Retirement handles uncashed checks and other unclaimed funds](https://help.guideline.com/en/articles/8593895-how-gusto-retirement-handles-uncashed-checks-and-other-unclaimed-funds.md): Here's what happens if funds are not claimed from a Gusto Retirement account.
- [Why you may have a 401\(k\) balance after a partial plan termination](https://help.guideline.com/en/articles/8605456-why-you-may-have-a-401-k-balance-after-a-partial-plan-termination.md)
- [How to withdraw or borrow money from your 401\(k\)](https://help.guideline.com/en/articles/9889353-how-to-withdraw-or-borrow-money-from-your-401-k.md): If you need to take money out of your 401\(k\) before retirement, here are your options and how to submit the request in your dashboard.
- [What happens to my Gusto 401\(k\) account if I leave my company?](https://help.guideline.com/en/articles/8605077-what-happens-to-my-gusto-401-k-account-if-i-leave-my-company.md): If you found a new job, were laid off, fired, or left your employer for any other reason, here are your options for your 401\(k\).
- [Can I keep my 401\(k\) account after leaving my company?](https://help.guideline.com/en/articles/8614965-can-i-keep-my-401-k-account-after-leaving-my-company.md): If you terminate employment with the company sponsoring your 401\(k\), you may keep your account if it meets specific balance requirements.
- [Can I roll over my 401\(k\) to a new employer’s plan after leaving my company?](https://help.guideline.com/en/articles/8604957-can-i-roll-over-my-401-k-to-a-new-employer-s-plan-after-leaving-my-company.md)
- [Taking a 401\(k\) cash disbursement after leaving your company](https://help.guideline.com/en/articles/8604968-taking-a-401-k-cash-disbursement-after-leaving-your-company.md): If you're looking to cashout your 401\(k\), you can do so once you leave your employer. However, taxes and penalties may apply in some cases.
- [What happens to my non-vested account balance if I leave my company?](https://help.guideline.com/en/articles/8605204-what-happens-to-my-non-vested-account-balance-if-i-leave-my-company.md): If you leave your company before your employer contributions are fully vested, you may forfeit all or a portion of the unvested funds.
- [Why a force-out provision may require you to move your 401\(k\) funds after leaving your employer](https://help.guideline.com/en/articles/8593847-why-a-force-out-provision-may-require-you-to-move-your-401-k-funds-after-leaving-your-employer.md): If you received a forceout notification after leaving your employer, here’s what it means for your 401\(k\) account.
- [How do I close my Gusto 401\(k\) account?](https://help.guideline.com/en/articles/8640306-how-do-i-close-my-gusto-401-k-account.md): Due to IRS requirements, we cannot fully delete or deactivate your Guideline account even if you no longer have funds within the plan.
- [Claim your force-out IRA and choose what to do with your funds](https://help.guideline.com/en/articles/15603723-claim-your-force-out-ira-and-choose-what-to-do-with-your-funds.md): Use this article to understand what a force-out IRA is, how to claim your account, and what options you have for your retirement funds after an automatic rollover from a previous 401\(k\).
- [What is a required minimum distribution \(RMD\) and how to determine when you must take one](https://help.guideline.com/en/articles/8800576-what-is-a-required-minimum-distribution-rmd-and-how-to-determine-when-you-must-take-one.md): You are required by the IRS to begin taking minimum withdrawals from your 401\(k\) once you reach a set age.
- [How do I claim an exception to IRS early withdrawal and missed RMD excise penalty taxes?](https://help.guideline.com/en/articles/8640280-how-do-i-claim-an-exception-to-irs-early-withdrawal-and-missed-rmd-excise-penalty-taxes.md)
- [How do I submit a Qualified Domestic Relations Order \(QDRO\) request?](https://help.guideline.com/en/articles/8640492-how-do-i-submit-a-qualified-domestic-relations-order-qdro-request.md)
- [FAQs about divorce and the effects of QDROs on your 401\(k\) plan](https://help.guideline.com/en/articles/8615225-faqs-about-divorce-and-the-effects-of-qdros-on-your-401-k-plan.md)
- [What to expect if your employer’s 401\(k\) plan is transferring to another provider or terminating](https://help.guideline.com/en/articles/11887111-what-to-expect-if-your-employer-s-401-k-plan-is-transferring-to-another-provider-or-terminating.md)
- [The retirement mobile app: key features and FAQs](https://help.guideline.com/en/articles/8604976-the-retirement-mobile-app-key-features-and-faqs.md): Answers to common questions about the mobile app.
- [How to get assistance with the retirement mobile app](https://help.guideline.com/en/articles/8640689-how-to-get-assistance-with-the-retirement-mobile-app.md): If you're having trouble with our mobile app, here's how to get assistance from support.
- [How do I update my personal information?](https://help.guideline.com/en/articles/8640517-how-do-i-update-my-personal-information.md): You can review or edit your information in your dashboard. Here's where to access your settings.
- [How do I update my name for my Gusto 401\(k\)?](https://help.guideline.com/en/articles/8640516-how-do-i-update-my-name-for-my-gusto-401-k.md): Here's how to request a name change on your 401\(k\) account.
- [Why it's important to complete an annual 401\(k\) account review](https://help.guideline.com/en/articles/8646765-why-it-s-important-to-complete-an-annual-401-k-account-review.md)
- [How do I sync my Gusto retirement account to a third-party financial management app?](https://help.guideline.com/en/articles/8640499-how-do-i-sync-my-gusto-retirement-account-to-a-third-party-financial-management-app.md): If you use a financial tracking app to manage your finances, here's how to securely connect your Gusto account.
- [Troubleshooting tips for connecting a third-party financial management app to Gusto](https://help.guideline.com/en/articles/9331233-troubleshooting-tips-for-connecting-a-third-party-financial-management-app-to-gusto.md): If you're having trouble connecting your retirement account to a financial tracking app, these tips can help.
- [How do I designate who will be the beneficiaries of my 401\(k\)?](https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k.md): Selecting your 401\(k\) beneficiaries is crucial to ensure your funds are distributed as you intend in the event you pass away.
- [How beneficiaries can claim funds for a participant who passed away](https://help.guideline.com/en/articles/8613750-how-beneficiaries-can-claim-funds-for-a-participant-who-passed-away.md): If you're the beneficiary of a Guideline 401\(k\), here's the process for requesting a distribution of funds.
- [How a beneficiary can disclaim an inheritance of 401\(k\) or IRA assets](https://help.guideline.com/en/articles/8613713-how-a-beneficiary-can-disclaim-an-inheritance-of-401-k-or-ira-assets.md): Here are the requirements and timeline if you'd prefer to refuse an inheritance.
- [How do I make changes to my 401\(k\) portfolio?](https://help.guideline.com/en/articles/8640703-how-do-i-make-changes-to-my-401-k-portfolio.md): You can make changes to your 401\(k\) investments at any time. Here's how.
- [What is a Qualified Default Investment Alternative \(QDIA\)?](https://help.guideline.com/en/articles/8593852-what-is-a-qualified-default-investment-alternative-qdia.md): If you're auto-enrolled in your 401\(k\), your contributions will be directed to a default portfolio based on specific factors.
- [Participants — FAQs about Gusto’s 401\(k\) pricing update](https://help.guideline.com/en/articles/15264325-participants-faqs-about-gusto-s-401-k-pricing-update.md)
- [How your 401\(k\) annual account fee is calculated](https://help.guideline.com/en/articles/8604833-how-your-401-k-annual-account-fee-is-calculated.md): Your annual account fees are calculated and deducted on a monthly basis based on your balance on the last day of the calendar month.
- [What is the Lifetime Income Illustration that appears on my statement?](https://help.guideline.com/en/articles/8593924-what-is-the-lifetime-income-illustration-that-appears-on-my-statement.md)

### Employers

- [What is beneficial ownership and why is it needed for my plan?](https://help.guideline.com/en/articles/11127101-what-is-beneficial-ownership-and-why-is-it-needed-for-my-plan.md): Learn why Guideline requires beneficial ownership and control person information to comply with FinCEN rules.
- [Am I required to provide retirement plan support to employees in a foreign language?](https://help.guideline.com/en/articles/8597966-am-i-required-to-provide-retirement-plan-support-to-employees-in-a-foreign-language.md)
- [How your survey responses help make Gusto Retirement better](https://help.guideline.com/en/articles/8604852-how-your-survey-responses-help-make-gusto-retirement-better.md)
- [What are the mandatory automatic provisions under SECURE Act 2.0 and do they apply to me?](https://help.guideline.com/en/articles/9953216-what-are-the-mandatory-automatic-provisions-under-secure-act-2-0-and-do-they-apply-to-me.md)
- [How does a Solo 401\(k\) work at Gusto?](https://help.guideline.com/en/articles/10542241-how-does-a-solo-401-k-work-at-gusto.md): A Solo 401\(k\) is a retirement plan where only owners or partners and their spouses are eligible to participate.
- [How do Gusto’s promotional discounts work for 401\(k\) plans?](https://help.guideline.com/en/articles/11132448-how-do-gusto-s-promotional-discounts-work-for-401-k-plans.md): Gusto's 401\(k\) plan discounts, including eligibility, billing, and contact information.
- [FAQs about transitioning from a Solo 401\(k\) to a standard 401\(k\)](https://help.guideline.com/en/articles/11463393-faqs-about-transitioning-from-a-solo-401-k-to-a-standard-401-k.md): Learn when and why you need to transition from a Solo 401\(k\) to a standard 401\(k\), including changes and compliance.
- [Understanding state retirement mandate exemptions](https://help.guideline.com/en/articles/13116851-understanding-state-retirement-mandate-exemptions.md)
- [Plan administrators — FAQs about about Gusto 401\(k\) pricing changes](https://help.guideline.com/en/articles/15264297-plan-administrators-faqs-about-about-gusto-401-k-pricing-changes.md)
- [What’s the difference between a standard 401\(k\) and a Starter 401\(k\) with Gusto?](https://help.guideline.com/en/articles/8646482-what-s-the-difference-between-a-standard-401-k-and-a-starter-401-k-with-gusto.md): Here’s a comparison between the requirements and plan features of standard 401\(k\) and Starter 401\(k\) plans.
- [ACA, EACA, and QACA: Understanding automatic enrollment arrangements for your 401\(k\) plan](https://help.guideline.com/en/articles/8584245-aca-eaca-and-qaca-understanding-automatic-enrollment-arrangements-for-your-401-k-plan.md): The automatic enrollment arrangement you choose can affect everything from when your plan can begin to employer contribution requirements.
- [What is a qualified automatic contribution arrangement \(QACA\)?](https://help.guideline.com/en/articles/8593727-what-is-a-qualified-automatic-contribution-arrangement-qaca.md)
- [I signed the plan document, what happens next?](https://help.guideline.com/en/articles/8604900-i-signed-the-plan-document-what-happens-next.md)
- [Why a force-out provision may be beneficial for plan sponsors](https://help.guideline.com/en/articles/8593692-why-a-force-out-provision-may-be-beneficial-for-plan-sponsors.md): Forceout provisions can require dismissed participants with low balances to leave the plan, potentially providing cost savings for sponsors.
- [What is a safe harbor 401\(k\) plan?](https://help.guideline.com/en/articles/8593855-what-is-a-safe-harbor-401-k-plan.md): Safe harbor plans require employers to offer a match. In exchange, the plans can avoid most IRS-required annual nondiscrimination tests.
- [Can I add a traditional safe harbor provision mid-year?](https://help.guideline.com/en/articles/8614903-can-i-add-a-traditional-safe-harbor-provision-mid-year.md)
- [Can I make changes to my safe harbor plan mid-year?](https://help.guideline.com/en/articles/8614970-can-i-make-changes-to-my-safe-harbor-plan-mid-year.md)
- [Traditional safe harbor vs. qualified automatic contribution arrangement \(QACA\) plans](https://help.guideline.com/en/articles/8604988-traditional-safe-harbor-vs-qualified-automatic-contribution-arrangement-qaca-plans.md)
- [Safe harbor formulas and deadlines](https://help.guideline.com/en/articles/8604959-safe-harbor-formulas-and-deadlines.md)
- [What plan sponsors should know when transitioning from a SIMPLE IRA to a safe harbor 401\(k\) mid-year](https://help.guideline.com/en/articles/10092493-what-plan-sponsors-should-know-when-transitioning-from-a-simple-ira-to-a-safe-harbor-401-k-mid-year.md): If you'd like to switch from a SIMPLE IRA to a 401\(k\), here are the requirements and how a transition works.
- [Our 401\(k\) pricing plans](https://help.guideline.com/en/articles/8648787-our-401-k-pricing-plans.md): Here are the features and fees associated with our three plan options.
- [First steps to set up your 401\(k\) plan](https://help.guideline.com/en/articles/8648880-first-steps-to-set-up-your-401-k-plan.md)
- [Gusto’s 401\(k\) handbook for plan sponsors](https://help.guideline.com/en/articles/8648887-gusto-s-401-k-handbook-for-plan-sponsors.md)
- [What will my employees be sent during plan setup?](https://help.guideline.com/en/articles/8646478-what-will-my-employees-be-sent-during-plan-setup.md)
- [When will my 401\(k\) plan begin and when should I run my first payroll?](https://help.guideline.com/en/articles/8646533-when-will-my-401-k-plan-begin-and-when-should-i-run-my-first-payroll.md)
- [What is special entry and how does it affect my new plan?](https://help.guideline.com/en/articles/8593905-what-is-special-entry-and-how-does-it-affect-my-new-plan.md)
- [How to get started with your self-service plan](https://help.guideline.com/en/articles/8640692-how-to-get-started-with-your-self-service-plan.md): Here are the steps to initiate your self-service 401\(k\) plan with Guideline.
- [New plan and onboarding FAQ](https://help.guideline.com/en/articles/8604925-new-plan-and-onboarding-faq.md): Answers to all your questions about getting started with your new Gusto 401\(k\) plan.
- [New plan administrator FAQs](https://help.guideline.com/en/articles/8604935-new-plan-administrator-faqs.md): Answers to top onboarding FAQs for plan sponsors and administrators.
- [Can I change the start date of our 401\(k\) plan?](https://help.guideline.com/en/articles/8614920-can-i-change-the-start-date-of-our-401-k-plan.md)
- [How to upload your plan participant census to Gusto Retirement](https://help.guideline.com/en/articles/8589829-how-to-upload-your-plan-participant-census-to-gusto-retirement.md)
- [Can I make changes to our 401\(k\) plan?](https://help.guideline.com/en/articles/8614974-can-i-make-changes-to-our-401-k-plan.md)
- [An introduction to 401\(k\) plan management for sponsors and administrators](https://help.guideline.com/en/articles/10542913-an-introduction-to-401-k-plan-management-for-sponsors-and-administrators.md): If you’re a new plan sponsor or admin for a Gusto 401\(k\), this guide offers important info about how to manage your plan.
- [New plan sponsor and administrator checklist](https://help.guideline.com/en/articles/12737456-new-plan-sponsor-and-administrator-checklist.md)
- [Onboarding FAQs for plans converting a 401\(k\) to Gusto](https://help.guideline.com/en/articles/8604930-onboarding-faqs-for-plans-converting-a-401-k-to-gusto.md)
- [A step-by-step guide to convert your 401\(k\) to Gusto](https://help.guideline.com/en/articles/8598387-a-step-by-step-guide-to-convert-your-401-k-to-gusto.md): We’ve outlined each phase of the conversion process so you know what to expect from start to finish, and can keep your employees up to date.
- [How to complete your participant census when converting an auto-enrollment 401\(k\) plan to Guideline](https://help.guideline.com/en/articles/8615230-how-to-complete-your-participant-census-when-converting-an-auto-enrollment-401-k-plan-to-guideline.md)
- [How long does it take to transfer an existing 401\(k\) plan from a different provider to Gusto?](https://help.guideline.com/en/articles/8646447-how-long-does-it-take-to-transfer-an-existing-401-k-plan-from-a-different-provider-to-gusto.md): Here is a general timeline for transferring an existing 401\(k\) plan from another retirement provider to Gusto.
- [A plan sponsor’s guide to employee enrollment](https://help.guideline.com/en/articles/8597976-a-plan-sponsor-s-guide-to-employee-enrollment.md): Answers to FAQs regarding employee onboarding, enrollment, and more.
- [What are the advantages of automatic enrollment for employers?](https://help.guideline.com/en/articles/8605028-what-are-the-advantages-of-automatic-enrollment-for-employers.md)
- [Can automatic enrollment be removed from a plan?](https://help.guideline.com/en/articles/8614877-can-automatic-enrollment-be-removed-from-a-plan.md)
- [Why are some of my employees not eligible for our 401\(k\)?](https://help.guideline.com/en/articles/8646588-why-are-some-of-my-employees-not-eligible-for-our-401-k.md)
- [Can I set eligibility requirements for my company’s 401\(k\) plan?](https://help.guideline.com/en/articles/8614979-can-i-set-eligibility-requirements-for-my-company-s-401-k-plan.md)
- [Can an employee get an automatic enrollment refund if they forgot to opt out?](https://help.guideline.com/en/articles/8614860-can-an-employee-get-an-automatic-enrollment-refund-if-they-forgot-to-opt-out.md)
- [When will my employees’ first contributions be?](https://help.guideline.com/en/articles/8646531-when-will-my-employees-first-contributions-be.md)
- [Lost earnings: How delayed 401\(k\) contribution deposits may result in penalties for plan sponsors](https://help.guideline.com/en/articles/8604915-lost-earnings-how-delayed-401-k-contribution-deposits-may-result-in-penalties-for-plan-sponsors.md)
- [Employee salary contributions from the employer’s perspective](https://help.guideline.com/en/articles/8615064-employee-salary-contributions-from-the-employer-s-perspective.md)
- [What does first payday with contributions mean?](https://help.guideline.com/en/articles/8605047-what-does-first-payday-with-contributions-mean.md)
- [Can employees select different contribution amounts for when they receive bonuses or commissions?](https://help.guideline.com/en/articles/8614892-can-employees-select-different-contribution-amounts-for-when-they-receive-bonuses-or-commissions.md)
- [How are employee 401\(k\) contributions processed via payroll?](https://help.guideline.com/en/articles/8640249-how-are-employee-401-k-contributions-processed-via-payroll.md)
- [How special payrolls for bonuses, commissions, or off-cycle pay affect 401\(k\) contributions](https://help.guideline.com/en/articles/8640601-how-special-payrolls-for-bonuses-commissions-or-off-cycle-pay-affect-401-k-contributions.md)
- [Types of employer matching contribution options](https://help.guideline.com/en/articles/8605000-types-of-employer-matching-contribution-options.md)
- [When will profit sharing be available?](https://help.guideline.com/en/articles/8646546-when-will-profit-sharing-be-available.md)
- [How employer contributions may impact payroll and taxes](https://help.guideline.com/en/articles/8615120-how-employer-contributions-may-impact-payroll-and-taxes.md)
- [Profit sharing for safe harbor plans: top-heavy implications](https://help.guideline.com/en/articles/8604948-profit-sharing-for-safe-harbor-plans-top-heavy-implications.md)
- [Profit sharing for controlled groups](https://help.guideline.com/en/articles/8604941-profit-sharing-for-controlled-groups.md)
- [What are nonelective contributions?](https://help.guideline.com/en/articles/8605023-what-are-nonelective-contributions.md)
- [401\(k\) profit sharing formulas](https://help.guideline.com/en/articles/8583014-401-k-profit-sharing-formulas.md): There are several types of profit sharing formulas companies can utilize: pro-rata, flat-dollar, or new comparability.
- [What is a new comparability profit sharing formula?](https://help.guideline.com/en/articles/8780634-what-is-a-new-comparability-profit-sharing-formula.md): With the new comparability formula, businesses have more flexibility in how profit sharing contributions are allocated to participants.
- [How the new comparability profit sharing allocation formula works](https://help.guideline.com/en/articles/8775768-how-the-new-comparability-profit-sharing-allocation-formula-works.md): An in-depth look at the requirements, testing, and rules involved with the new comparability profit sharing formula.
- [Making modifications to your new comparability profit sharing](https://help.guideline.com/en/articles/8751925-making-modifications-to-your-new-comparability-profit-sharing.md): To pass required compliance testing, new comparability profit sharing formulas can only be adjusted in certain circumstances.
- [A plan sponsor’s guide to profit sharing](https://help.guideline.com/en/articles/8597995-a-plan-sponsor-s-guide-to-profit-sharing.md): Profit sharing is a pre-tax contribution employers can make to their employees’ retirement accounts after the end of the year.
- [What is the annual additions limit?](https://help.guideline.com/en/articles/8593909-what-is-the-annual-additions-limit.md): The annual additions limit is the total allowable amount that can be contributed to a 401\(k\) by both the employee and employer in a year.
- [What is the annual compensation limit?](https://help.guideline.com/en/articles/8593911-what-is-the-annual-compensation-limit.md): The annual compensation limit is $350,000 for 2025 and $360,000 for 2026. Here's how it could impact your 401\(k\) contributions if you're a high-income earner.
- [What is the employer contribution deduction limit?](https://help.guideline.com/en/articles/8593921-what-is-the-employer-contribution-deduction-limit.md)
- [401\(k\) deferral, contribution, and other plan limits](https://help.guideline.com/en/articles/8576491-401-k-deferral-contribution-and-other-plan-limits.md)
- [How small business owners can participate in Gusto 401\(k\) plans](https://help.guideline.com/en/articles/8640598-how-small-business-owners-can-participate-in-gusto-401-k-plans.md)
- [What is self-employed income for an owner or partnership?](https://help.guideline.com/en/articles/8593902-what-is-self-employed-income-for-an-owner-or-partnership.md)
- [Types of administrator roles and permissions for your 401\(k\) plan](https://help.guideline.com/en/articles/8604994-types-of-administrator-roles-and-permissions-for-your-401-k-plan.md)
- [Who can be a trustee for a Gusto 401\(k\) plan?](https://help.guideline.com/en/articles/8646562-who-can-be-a-trustee-for-a-gusto-401-k-plan.md)
- [How to help Gusto Retirement share important plan notices with participants](https://help.guideline.com/en/articles/8640698-how-to-help-gusto-retirement-share-important-plan-notices-with-participants.md)
- [How sponsors can prepare for the close of this plan year and start of the new year](https://help.guideline.com/en/articles/8640712-how-sponsors-can-prepare-for-the-close-of-this-plan-year-and-start-of-the-new-year.md): Here are the tasks plan sponsors should expect as the plan year comes to an end and the new year begins.
- [How to add an administrator or collaborator to help manage your 401\(k\) plan](https://help.guideline.com/en/articles/8640626-how-to-add-an-administrator-or-collaborator-to-help-manage-your-401-k-plan.md)
- [How to add an owner to your 401\(k\) employee roster](https://help.guideline.com/en/articles/8640633-how-to-add-an-owner-to-your-401-k-employee-roster.md)
- [How to remove a plan administrator or collaborator](https://help.guideline.com/en/articles/8640713-how-to-remove-a-plan-administrator-or-collaborator.md)
- [How to find your administrator access level](https://help.guideline.com/en/articles/8640682-how-to-find-your-administrator-access-level.md)
- [Understanding your role as a fiduciary](https://help.guideline.com/en/articles/8605003-understanding-your-role-as-a-fiduciary.md)
- [How can I be removed as an administrator, collaborator, trustee, or primary benefit administrator?](https://help.guideline.com/en/articles/8613773-how-can-i-be-removed-as-an-administrator-collaborator-trustee-or-primary-benefit-administrator.md)
- [FAQ about how to change the 401\(k\) plan trustee and the Trustee Change Packet](https://help.guideline.com/en/articles/8615158-faq-about-how-to-change-the-401-k-plan-trustee-and-the-trustee-change-packet.md): All 401\(k\) plans must have a trustee. If you need to change the trustee for your plan, here's how to submit the request with Guideline.
- [Insurance and ERISA bonding](https://help.guideline.com/en/articles/8604889-insurance-and-erisa-bonding.md)
- [How to add, edit, or remove a bank account or credit card](https://help.guideline.com/en/articles/8640620-how-to-add-edit-or-remove-a-bank-account-or-credit-card.md)
- [Invoicing and billing for Gusto 401\(k\) plan sponsors](https://help.guideline.com/en/articles/8604890-invoicing-and-billing-for-gusto-401-k-plan-sponsors.md): Here's are the fees and transaction details you can expect for your Gusto 401\(k\) invoice and contribution collections.
- [How to update your company name, EIN, address, or entity type in your Gusto Retirement account](https://help.guideline.com/en/articles/8604784-how-to-update-your-company-name-ein-address-or-entity-type-in-your-gusto-retirement-account.md)
- [How to verify your bank account using micro-deposits](https://help.guideline.com/en/articles/8604796-how-to-verify-your-bank-account-using-micro-deposits.md)
- [What to do if your plan has a bank failure](https://help.guideline.com/en/articles/8646467-what-to-do-if-your-plan-has-a-bank-failure.md)
- [How to resolve payment issues with your bank using Gusto's allowlist ACH IDs](https://help.guideline.com/en/articles/8640723-how-to-resolve-payment-issues-with-your-bank-using-gusto-s-allowlist-ach-ids.md): If Gusto Retirement is unable to process payments or contributions from your plan's bank account, here's how to resolve the issue.
- [How ACH payroll failures may result in withdrawal amount discrepancies when recollected](https://help.guideline.com/en/articles/8613716-how-ach-payroll-failures-may-result-in-withdrawal-amount-discrepancies-when-recollected.md)
- [How to change your email address as a plan administrator](https://help.guideline.com/en/articles/12258206-how-to-change-your-email-address-as-a-plan-administrator.md)
- [401\(k\) payroll integration options](https://help.guideline.com/en/articles/8646561-401-k-payroll-integration-options.md)
- [How our 401\(k\) and payroll connection works](https://help.guideline.com/en/articles/8640575-how-our-401-k-and-payroll-connection-works.md): Your 401\(k\) connects seamlessly with Gusto payroll to help you manage your plan with ease.
- [How to submit a payroll change request](https://help.guideline.com/en/articles/8640711-how-to-submit-a-payroll-change-request.md)
- [How to review past payroll contribution collections](https://help.guideline.com/en/articles/8640724-how-to-review-past-payroll-contribution-collections.md)
- [I ran my first payroll after the plan’s start date and don’t see contributions on my employees’ pay stubs. What should I do?](https://help.guideline.com/en/articles/8604897-i-ran-my-first-payroll-after-the-plan-s-start-date-and-don-t-see-contributions-on-my-employees-pay-stubs-what-should-i-do.md)
- [How to report employee compensation for your 401\(k\) plan each year](https://help.guideline.com/en/articles/8604950-how-to-report-employee-compensation-for-your-401-k-plan-each-year.md): What you'll need to complete the employee compensation tasks on your dashboard each year.
- [What is considered employee compensation for your 401\(k\) plan?](https://help.guideline.com/en/articles/8593870-what-is-considered-employee-compensation-for-your-401-k-plan.md)
- [How to add new employees to your 401\(k\) roster](https://help.guideline.com/en/articles/8640241-how-to-add-new-employees-to-your-401-k-roster.md)
- [How can I remove an employee from our Gusto 401\(k\) roster?](https://help.guideline.com/en/articles/8640246-how-can-i-remove-an-employee-from-our-gusto-401-k-roster.md)
- [How can I fix incorrect employee information on my 401\(k\) roster?](https://help.guideline.com/en/articles/8640231-how-can-i-fix-incorrect-employee-information-on-my-401-k-roster.md)
- [Why are employee email addresses missing from my 401\(k\) roster?](https://help.guideline.com/en/articles/8646577-why-are-employee-email-addresses-missing-from-my-401-k-roster.md)
- [How do I update the status of a dismissed employee?](https://help.guideline.com/en/articles/8640520-how-do-i-update-the-status-of-a-dismissed-employee.md)
- [Why are hourly employees' compensation amounts incorrect in Gusto 401\(k\)?](https://help.guideline.com/en/articles/8646583-why-are-hourly-employees-compensation-amounts-incorrect-in-gusto-401-k.md)
- [Why do I need to maintain dismissed employees' contact information on my roster?](https://help.guideline.com/en/articles/8646609-why-do-i-need-to-maintain-dismissed-employees-contact-information-on-my-roster.md)
- [What should I do when an employee passes away?](https://help.guideline.com/en/articles/8646457-what-should-i-do-when-an-employee-passes-away.md)
- [How to locate a participant who no longer works for the company](https://help.guideline.com/en/articles/8640702-how-to-locate-a-participant-who-no-longer-works-for-the-company.md)
- [How sponsors can diagnose and correct contribution errors](https://help.guideline.com/en/articles/8640604-how-sponsors-can-diagnose-and-correct-contribution-errors.md)
- [What is a mistake of fact in 401\(k\) plans?](https://help.guideline.com/en/articles/8593707-what-is-a-mistake-of-fact-in-401-k-plans.md): The “mistake of fact” rules set by the IRS are quite narrow, but generally include mathematical or typographical errors.
- [Why year-end plan adjustments may occur in a Gusto 401\(k\)](https://help.guideline.com/en/articles/8605354-why-year-end-plan-adjustments-may-occur-in-a-gusto-401-k.md)
- [What is a missed deferral opportunity and how is it corrected?](https://help.guideline.com/en/articles/8851722-what-is-a-missed-deferral-opportunity-and-how-is-it-corrected.md): Missed deferrals occur when contributions should've been withheld from a participant's pay but weren't. Here's how to correct those errors.
- [What is plan cash and why does it appear on my contribution report?](https://help.guideline.com/en/articles/8931345-what-is-plan-cash-and-why-does-it-appear-on-my-contribution-report.md)
- [Can I make changes to contribution amounts after payroll has been processed?](https://help.guideline.com/en/articles/8605060-can-i-make-changes-to-contribution-amounts-after-payroll-has-been-processed.md)
- [What is a self-service 401\(k\) plan?](https://help.guideline.com/en/articles/8593859-what-is-a-self-service-401-k-plan.md): A self-service plan allows companies not using a Gusto payroll provider to manage a 401\(k\) plan on their own.
- [How to upload payroll reports for contributions on a self-service plan](https://help.guideline.com/en/articles/8640588-how-to-upload-payroll-reports-for-contributions-on-a-self-service-plan.md): Step-by-step directions for uploading your payroll reports on a self-service plan.
- [How to fix common errors when uploading your self-service payroll report](https://help.guideline.com/en/articles/8640686-how-to-fix-common-errors-when-uploading-your-self-service-payroll-report.md): There are several reasons why a payroll report may fail to upload. Here are troubleshooting tips to help you share your reports successfully.
- [How to correct payroll report errors after upload or processing for self-service plans](https://help.guideline.com/en/articles/8640668-how-to-correct-payroll-report-errors-after-upload-or-processing-for-self-service-plans.md)
- [How to start or stop employee 401\(k\) loan payments for self-service plans](https://help.guideline.com/en/articles/8604726-how-to-start-or-stop-employee-401-k-loan-payments-for-self-service-plans.md)
- [As a plan sponsor, where can I find my account statements?](https://help.guideline.com/en/articles/8598383-as-a-plan-sponsor-where-can-i-find-my-account-statements.md): Account statements and reports are available within your administrator dashboard. Here's how to access them.
- [What is Cycle 3 restatement?](https://help.guideline.com/en/articles/8593877-what-is-cycle-3-restatement.md)
- [Where to find important plan documents and reports](https://help.guideline.com/en/articles/8646559-where-to-find-important-plan-documents-and-reports.md)
- [How do I sign Cycle 3 restatement plan documents?](https://help.guideline.com/en/articles/8640487-how-do-i-sign-cycle-3-restatement-plan-documents.md)
- [What happens if our 401\(k\) plan missed the Cycle 3 restatement deadline?](https://help.guideline.com/en/articles/8605072-what-happens-if-our-401-k-plan-missed-the-cycle-3-restatement-deadline.md)
- [When can I terminate my 401\(k\) plan?](https://help.guideline.com/en/articles/8646502-when-can-i-terminate-my-401-k-plan.md)
- [What are the steps to terminate a Gusto 401\(k\) plan?](https://help.guideline.com/en/articles/8605036-what-are-the-steps-to-terminate-a-gusto-401-k-plan.md)
- [I submitted a request to terminate or transfer my plan, why am I seeing 401\(k\) deductions in my payroll system?](https://help.guideline.com/en/articles/8604901-i-submitted-a-request-to-terminate-or-transfer-my-plan-why-am-i-seeing-401-k-deductions-in-my-payroll-system.md)
- [What's the difference between transferring out of Gusto 401\(k\) and an external merger?](https://help.guideline.com/en/articles/8605009-what-s-the-difference-between-transferring-out-of-gusto-401-k-and-an-external-merger.md)
- [Why are there corrections for a terminating or transferring plan?](https://help.guideline.com/en/articles/8646592-why-are-there-corrections-for-a-terminating-or-transferring-plan.md)
- [How billing works for a 401\(k\) plan transferring out of Gusto or terminating?](https://help.guideline.com/en/articles/8613770-how-billing-works-for-a-401-k-plan-transferring-out-of-gusto-or-terminating.md)
- [What is a partial plan termination and how could it affect my plan?](https://help.guideline.com/en/articles/8593718-what-is-a-partial-plan-termination-and-how-could-it-affect-my-plan.md)
- [Partial plan termination worksheet](https://help.guideline.com/en/articles/8604931-partial-plan-termination-worksheet.md)
- [When will participants be notified of the plan termination?](https://help.guideline.com/en/articles/8646539-when-will-participants-be-notified-of-the-plan-termination.md)
- [What is short-year compliance testing and compensation collection for a terminating plan?](https://help.guideline.com/en/articles/8593904-what-is-short-year-compliance-testing-and-compensation-collection-for-a-terminating-plan.md)
- [What actions should my plan’s participants take during a plan termination?](https://help.guideline.com/en/articles/8605011-what-actions-should-my-plan-s-participants-take-during-a-plan-termination.md)
- [Can I still make administrator changes if I've requested a termination or transfer?](https://help.guideline.com/en/articles/8614984-can-i-still-make-administrator-changes-if-i-ve-requested-a-termination-or-transfer.md)
- [What are the different ways to discontinue a Gusto 401\(k\) plan?](https://help.guideline.com/en/articles/8605031-what-are-the-different-ways-to-discontinue-a-gusto-401-k-plan.md): Here are the 4 ways you can cancel or move your Gusto 401\(k\) plan, depending on your needs.
- [How do I complete the transfer-out packet for my company's plan?](https://help.guideline.com/en/articles/8640311-how-do-i-complete-the-transfer-out-packet-for-my-company-s-plan.md): Here's an outline of the information needed to complete the transfer packet when moving your business's 401\(k\) plan to a different provider.
- [What are the steps to transfer or merge your Gusto 401\(k\) plan to another provider?](https://help.guideline.com/en/articles/8605040-what-are-the-steps-to-transfer-or-merge-your-gusto-401-k-plan-to-another-provider.md)
- [How residual dividends are handled post asset-transfer](https://help.guideline.com/en/articles/8613704-how-residual-dividends-are-handled-post-asset-transfer.md)
- [What happens if my company merges with another company that also has a Guideline 401\(k\) plan?](https://help.guideline.com/en/articles/8605070-what-happens-if-my-company-merges-with-another-company-that-also-has-a-guideline-401-k-plan.md)
- [What does a company acquisition mean for a Gusto 401\(k\) plan?](https://help.guideline.com/en/articles/8605042-what-does-a-company-acquisition-mean-for-a-gusto-401-k-plan.md)
- [When does Gusto 401\(k\) stop collecting contributions for my terminating or transferring plan?](https://help.guideline.com/en/articles/8646505-when-does-gusto-401-k-stop-collecting-contributions-for-my-terminating-or-transferring-plan.md)
- [Understanding the DOL's Abandoned Plan Program](https://help.guideline.com/en/articles/12037467-understanding-the-dol-s-abandoned-plan-program.md): What an abandoned plan is, the process that follows, and the potential repercussions for a plan sponsor.
- [Compliance testing: What plan sponsors need to know](https://help.guideline.com/en/articles/8615014-compliance-testing-what-plan-sponsors-need-to-know.md): 401\(k\) plans are required by the IRS to undergo compliance testing each year.
- [How the ADP and ACP compliance tests work](https://help.guideline.com/en/articles/8640610-how-the-adp-and-acp-compliance-tests-work.md)
- [How the Top-Heavy compliance test works](https://help.guideline.com/en/articles/8640616-how-the-top-heavy-compliance-test-works.md)
- [Plan characteristics that increase 401\(k\) compliance concerns and strategies to reduce risk](https://help.guideline.com/en/articles/8604937-plan-characteristics-that-increase-401-k-compliance-concerns-and-strategies-to-reduce-risk.md)
- [How are corrections for a failed ADP test calculated?](https://help.guideline.com/en/articles/8613742-how-are-corrections-for-a-failed-adp-test-calculated.md)
- [Tips to help your plan avoid becoming top-heavy](https://help.guideline.com/en/articles/8604919-tips-to-help-your-plan-avoid-becoming-top-heavy.md)
- [Why top-heavy first-year plans might benefit from profit sharing](https://help.guideline.com/en/articles/8646773-why-top-heavy-first-year-plans-might-benefit-from-profit-sharing.md): Here’s how first-year plans may be able to avoid making top-heavy minimum contributions by making a profit sharing contribution.
- [Who is considered a highly compensated employee \(HCE\)?](https://help.guideline.com/en/articles/8646567-who-is-considered-a-highly-compensated-employee-hce.md)
- [How to determine ownership and family attribution](https://help.guideline.com/en/articles/8648916-how-to-determine-ownership-and-family-attribution.md)
- [What is a legally related group?](https://help.guideline.com/en/articles/8593700-what-is-a-legally-related-group.md)
- [What is an affiliated service group?](https://help.guideline.com/en/articles/8800605-what-is-an-affiliated-service-group.md)
- [Year-end 401\(k\) administration deadlines and dependencies](https://help.guideline.com/en/articles/8700557-year-end-401-k-administration-deadlines-and-dependencies.md)
- [When is 410\(b\) coverage testing required?](https://help.guideline.com/en/articles/8646507-when-is-410-b-coverage-testing-required.md)
- [What is 410\(b\) coverage testing?](https://help.guideline.com/en/articles/8589848-what-is-410-b-coverage-testing.md)
- [What is a controlled group and why does it matter for 401\(k\) plans?](https://help.guideline.com/en/articles/8593688-what-is-a-controlled-group-and-why-does-it-matter-for-401-k-plans.md)
- [How legally related groups can monitor compliance testing with a Gusto 401\(k\)](https://help.guideline.com/en/articles/11667343-how-legally-related-groups-can-monitor-compliance-testing-with-a-gusto-401-k.md)
- [What is Form 5500?](https://help.guideline.com/en/articles/8593882-what-is-form-5500.md): Form 5500 is used to report information regarding a 401\(k\) plan's financial data, investments, and the operations of the plan.
- [What is a Final Form 5500 and when is it required?](https://help.guideline.com/en/articles/8593690-what-is-a-final-form-5500-and-when-is-it-required.md): A Final Form 5500 must be filed for all terminating plans.
- [Form 5500 FAQ](https://help.guideline.com/en/articles/8615245-form-5500-faq.md): What you should know about Form 5500 filings with Gusto Retirement.
- [Form 5500 audit requirements for large 401\(k\) plans](https://help.guideline.com/en/articles/8615240-form-5500-audit-requirements-for-large-401-k-plans.md)
- [Form 5500, 5500-EZ, and 5500-SF: Which form is required for my plan this year?](https://help.guideline.com/en/articles/8615236-form-5500-5500-ez-and-5500-sf-which-form-is-required-for-my-plan-this-year.md): The type of Form 5500 you file typically depends on the size of your plan. Here's how to determine which one you'll need.
- [Does Gusto 401\(k\) handle Form 5500 filings?](https://help.guideline.com/en/articles/8615041-does-gusto-401-k-handle-form-5500-filings.md)
- [How to navigate your 401\(k\) plan audit](https://help.guideline.com/en/articles/8800502-how-to-navigate-your-401-k-plan-audit.md): This guide shares the steps and timeline you can expect if your plan requires a plan audit.
- [A plan sponsor’s guide to Form 8955-SSA](https://help.guideline.com/en/articles/8597990-a-plan-sponsor-s-guide-to-form-8955-ssa.md): The Form 8955-SSA is used to report employees who no longer work for your company but still have a vested account balance within your plan.
- [How do I read my Form 5500-SF?](https://help.guideline.com/en/articles/8640434-how-do-i-read-my-form-5500-sf.md)
- [How to file and submit a payment for Form 5330](https://help.guideline.com/en/articles/13439867-how-to-file-and-submit-a-payment-for-form-5330.md)
- [How much can I contribute to a SEP IRA on behalf of participants?](https://help.guideline.com/en/articles/8640537-how-much-can-i-contribute-to-a-sep-ira-on-behalf-of-participants.md)
- [How do I invite employees to my SEP IRA plan?](https://help.guideline.com/en/articles/8640331-how-do-i-invite-employees-to-my-sep-ira-plan.md)
- [How do I make SEP IRA contributions to employees?](https://help.guideline.com/en/articles/8640332-how-do-i-make-sep-ira-contributions-to-employees.md)

### IRA savers

- [How to open and contribute to a Gusto IRA](https://help.guideline.com/en/articles/8500648-how-to-open-and-contribute-to-a-gusto-ira.md): An IRA is a long-term saving account that allows you to contribute earned income to your retirement.
- [How to make changes to your Gusto IRA portfolio](https://help.guideline.com/en/articles/8640706-how-to-make-changes-to-your-gusto-ira-portfolio.md)
- [An introduction to your new IRA dashboard](https://help.guideline.com/en/articles/11390265-an-introduction-to-your-new-ira-dashboard.md): How to navigate to key features in your IRA dashboard.
- [How do I update my name for my Gusto IRA?](https://help.guideline.com/en/articles/8927137-how-do-i-update-my-name-for-my-gusto-ira.md): Here's how to request a name change for your IRA.
- [How your Gusto IRA annual account fee is calculated](https://help.guideline.com/en/articles/8648908-how-your-gusto-ira-annual-account-fee-is-calculated.md)
- [What are the spousal benefits of an IRA?](https://help.guideline.com/en/articles/8605035-what-are-the-spousal-benefits-of-an-ira.md)
- [What are IRA prohibited transactions?](https://help.guideline.com/en/articles/8604898-what-are-ira-prohibited-transactions.md)
- [Benefits of an IRA: Using your spouse’s income for IRA contributions](https://help.guideline.com/en/articles/8614857-benefits-of-an-ira-using-your-spouse-s-income-for-ira-contributions.md)
- [Benefits of an IRA: Flexible beneficiary distribution option](https://help.guideline.com/en/articles/8614848-benefits-of-an-ira-flexible-beneficiary-distribution-option.md)
- [Understanding traditional vs. Roth IRA contributions](https://help.guideline.com/en/articles/11689349-understanding-traditional-vs-roth-ira-contributions.md): Compare traditional and Roth IRA contributions and which option may make sense for you.
- [How contributing to an employer-sponsored retirement plan can impact tax-deductibility of traditional IRA contributions](https://help.guideline.com/en/articles/12060170-how-contributing-to-an-employer-sponsored-retirement-plan-can-impact-tax-deductibility-of-traditional-ira-contributions.md)
- [How much can I contribute to my IRA account this year?](https://help.guideline.com/en/articles/8640552-how-much-can-i-contribute-to-my-ira-account-this-year.md): The limit to how much you can contribute across all your traditional IRAs and Roth IRAs is $7,000 for 2025.
- [How to verify my bank account for IRA contributions](https://help.guideline.com/en/articles/8640300-how-to-verify-my-bank-account-for-ira-contributions.md)
- [How do I contribute to last year’s IRA limit in my account?](https://help.guideline.com/en/articles/8640287-how-do-i-contribute-to-last-year-s-ira-limit-in-my-account.md)
- [What are the income limits for Roth IRA and deductible traditional IRA contributions?](https://help.guideline.com/en/articles/8605033-what-are-the-income-limits-for-roth-ira-and-deductible-traditional-ira-contributions.md)
- [What are IRA recharacterizations and how do they work?](https://help.guideline.com/en/articles/11972629-what-are-ira-recharacterizations-and-how-do-they-work.md): Learn about IRA recharacterizations, including how they work, what contributions are eligible, and other important considerations.
- [How do I transfer or rollover other retirement accounts to my Gusto IRA?](https://help.guideline.com/en/articles/8640505-how-do-i-transfer-or-rollover-other-retirement-accounts-to-my-gusto-ira.md): This guide shares step-by-step instructions to complete an inbound rollover to move other retirement funds to your Gusto IRA.
- [How to roll over an external IRA to your 401\(k\) - \[Video\]](https://help.guideline.com/en/articles/8640726-how-to-roll-over-an-external-ira-to-your-401-k-video.md): Rolling over funds from an external IRA can help you consolidate your retirement savings. Here's how to move those funds to Gusto Retirement.
- [How to move money out of your Gusto IRA](https://help.guideline.com/en/articles/8640716-how-to-move-money-out-of-your-gusto-ira.md): Here are step-by-step directions on how to withdraw or transfer your IRA funds.
- [What is the difference between a transfer and rollover between IRAs?](https://help.guideline.com/en/articles/8932117-what-is-the-difference-between-a-transfer-and-rollover-between-iras.md)
- [How IRAs are handled in divorce settlements?](https://help.guideline.com/en/articles/8640522-how-iras-are-handled-in-divorce-settlements.md)
- [Can I move money from my 529 plan to my Roth IRA?](https://help.guideline.com/en/articles/9484394-can-i-move-money-from-my-529-plan-to-my-roth-ira.md): You can complete a rollover from a 529 plan to a Roth IRA, but there are specific rules in place. Here’s what you should know.
- [Do I have to pay taxes or penalties on Roth IRA distributions?](https://help.guideline.com/en/articles/9457026-do-i-have-to-pay-taxes-or-penalties-on-roth-ira-distributions.md): When you take a Roth IRA distribution, a portion could be subject to taxes and penalties. Here's how to determine when this will apply.
- [What is a qualified charitable distribution from an IRA?](https://help.guideline.com/en/articles/10561810-what-is-a-qualified-charitable-distribution-from-an-ira.md): A qualified charitable distribution allows you to make donations to qualified charities directly from your IRA.
- [When must I take required minimum distributions \(RMDs\) from my traditional or SEP IRA?](https://help.guideline.com/en/articles/8646511-when-must-i-take-required-minimum-distributions-rmds-from-my-traditional-or-sep-ira.md)
- [Should you withhold taxes from your IRA cash distribution?](https://help.guideline.com/en/articles/8604960-should-you-withhold-taxes-from-your-ira-cash-distribution.md)
- [What is IRS Form 8606?](https://help.guideline.com/en/articles/8593893-what-is-irs-form-8606.md)
- [What is IRS Form 5498 and when will I receive it?](https://help.guideline.com/en/articles/8593888-what-is-irs-form-5498-and-when-will-i-receive-it.md): Form 5498 reports IRA account balances, contributions, rollovers, and related transactions. You can expect it by May 31.
- [Key considerations when choosing your IRA beneficiaries](https://help.guideline.com/en/articles/8640275-key-considerations-when-choosing-your-ira-beneficiaries.md): This guide shares insights about who may be a beneficiary of your IRA account.
- [I’m inheriting a non-spouse traditional IRA beneficiary on or after the required beginning date \(RBD\)](https://help.guideline.com/en/articles/8604912-i-m-inheriting-a-non-spouse-traditional-ira-beneficiary-on-or-after-the-required-beginning-date-rbd.md)
- [I’m inheriting a non-spouse traditional IRA beneficiary, what should I know?](https://help.guideline.com/en/articles/8604910-i-m-inheriting-a-non-spouse-traditional-ira-beneficiary-what-should-i-know.md)
- [Am I eligible to participate in my employer’s SEP IRA plan?](https://help.guideline.com/en/articles/8597957-am-i-eligible-to-participate-in-my-employer-s-sep-ira-plan.md): Eligibility for a SEP IRA is based on age, years of service with the employer, and compensation.

### Gusto Retirement basics

- [Guideline has joined Gusto! FAQs about our recent acquisition](https://help.guideline.com/en/articles/12694322-guideline-has-joined-gusto-faqs-about-our-recent-acquisition.md): Guideline has been acquired by Gusto. Here are common questions and answers to help you know what to expect.
- [Support contact information and operating hours](https://help.guideline.com/en/articles/8604964-support-contact-information-and-operating-hours.md): If you need assistance from our support teams, here's how to contact us.
- [How do I share documents with Gusto Retirement?](https://help.guideline.com/en/articles/8640480-how-do-i-share-documents-with-gusto-retirement.md)
- [What's the difference between a standard 401\(k\) and an IRA?](https://help.guideline.com/en/articles/8605007-what-s-the-difference-between-a-standard-401-k-and-an-ira.md): Both a 401\(k\) and IRA are retirement savings vehicles. However, they have very different rules and requirements.
- [When should I start saving for retirement?](https://help.guideline.com/en/articles/8646521-when-should-i-start-saving-for-retirement.md)
- [Will social security be enough for retirement?](https://help.guideline.com/en/articles/8646549-will-social-security-be-enough-for-retirement.md)
- [What are investment fees?](https://help.guideline.com/en/articles/8605013-what-are-investment-fees.md)
- [What is a mutual fund?](https://help.guideline.com/en/articles/8593843-what-is-a-mutual-fund.md)
- [Tips for keeping your retirement account beneficiaries up to date](https://help.guideline.com/en/articles/8604983-tips-for-keeping-your-retirement-account-beneficiaries-up-to-date.md)
- [What is dollar-cost averaging?](https://help.guideline.com/en/articles/8593879-what-is-dollar-cost-averaging.md)
- [How direct and indirect rollovers work?](https://help.guideline.com/en/articles/8640234-how-direct-and-indirect-rollovers-work.md)
- [Why marital status matters when designating a beneficiary](https://help.guideline.com/en/articles/8646771-why-marital-status-matters-when-designating-a-beneficiary.md)
- [ERDs vs. NERDs: allowable rollover distributions and withholding requirements](https://help.guideline.com/en/articles/8615135-erds-vs-nerds-allowable-rollover-distributions-and-withholding-requirements.md): Find out the difference between eligible rollover distributions \(ERDs\) and non-eligible rollover distributions \(NERDs\).
- [What is a qualified distribution from a Roth 401\(k\) or IRA?](https://help.guideline.com/en/articles/8858900-what-is-a-qualified-distribution-from-a-roth-401-k-or-ira.md)
- [When to consider increasing your retirement contribution rate](https://help.guideline.com/en/articles/9062023-when-to-consider-increasing-your-retirement-contribution-rate.md): If you recently paid off bills, received a raise, or hit a major life event, it may be an opportunity to increase your retirement savings.
- [What’s the difference between a Roth 401\(k\) vs. Roth IRA](https://help.guideline.com/en/articles/11940073-what-s-the-difference-between-a-roth-401-k-vs-roth-ira.md): The key differences between Roth 401\(k\) and Roth IRA accounts, including contribution limits, income requirements, and withdrawal rules.
- [How an international address and citizenship may affect your eligibility and distributions for retirement accounts](https://help.guideline.com/en/articles/12977062-how-an-international-address-and-citizenship-may-affect-your-eligibility-and-distributions-for-retirement-accounts.md)
- [What tax documents do I need to file for a 401\(k\) or IRA?](https://help.guideline.com/en/articles/8604972-what-tax-documents-do-i-need-to-file-for-a-401-k-or-ira.md): Here are the IRS tax forms related to retirement accounts that may be require when you file your taxes.
- [What is IRS Form 1099-R and when can I expect to receive it?](https://help.guideline.com/en/articles/8593885-what-is-irs-form-1099-r-and-when-can-i-expect-to-receive-it.md): Form 1099-R is used when filing taxes to report a withdrawal from a 401\(k\) or IRA. Here's when it will be available and where to find it.
- [How the IRS Saver's Credit may help you save for retirement and now](https://help.guideline.com/en/articles/8640612-how-the-irs-saver-s-credit-may-help-you-save-for-retirement-and-now.md)
- [Understanding your Form 1099-R distribution codes](https://help.guideline.com/en/articles/12399961-understanding-your-form-1099-r-distribution-codes.md)
- [How do I reset my password?](https://help.guideline.com/en/articles/8576539-how-do-i-reset-my-password.md): Here's how to reset your Guideline password and the password requirements you'll need to meet for security purposes.
- [Two-factor authentication \(2FA\) troubleshooting tips](https://help.guideline.com/en/articles/9019324-two-factor-authentication-2fa-troubleshooting-tips.md): If you can't access your account due to two-factor authentication, these tips can help.
- [How do I set up two-factor authentication \(2FA\)?](https://help.guideline.com/en/articles/8640451-how-do-i-set-up-two-factor-authentication-2fa.md)
- [Where can I find my account number?](https://help.guideline.com/en/articles/8646555-where-can-i-find-my-account-number.md): You account number is required when communicating with our Customer Support teams. Here's where to find it within your dashboard.
- [What we do to keep your retirement accounts secure](https://help.guideline.com/en/articles/8605059-what-we-do-to-keep-your-retirement-accounts-secure.md)
- [How do I opt out of the sale of my personal information?](https://help.guideline.com/en/articles/8640429-how-do-i-opt-out-of-the-sale-of-my-personal-information.md)
- [Are my 401\(k\) assets protected?](https://help.guideline.com/en/articles/8598366-are-my-401-k-assets-protected.md): 401\(k\) accounts are protected by federal law in many scenarios. Here are common cases and which institutions may offer coverage.
- [How to keep your 401\(k\) account secure](https://help.guideline.com/en/articles/10589509-how-to-keep-your-401-k-account-secure.md): Tips to keep your retirement accounts protected.
- [Why does my bank account not match the information I entered into Gusto Retirement?](https://help.guideline.com/en/articles/11028804-why-does-my-bank-account-not-match-the-information-i-entered-into-gusto-retirement.md): A security measure called tokenization may be causing a variation in your account number. Here's when it may apply.
- [How do I log in to my Gusto retirement account?](https://help.guideline.com/en/articles/12044637-how-do-i-log-in-to-my-gusto-retirement-account.md): Here's how to access your saver or administrator retirement account with Gusto.
- [Common login issues and solutions](https://help.guideline.com/en/articles/12242752-common-login-issues-and-solutions.md): Troubleshooting tips and resources to help you regain access to your account.
- [Understanding Gusto Retirement's managed portfolios](https://help.guideline.com/en/articles/8605002-understanding-gusto-retirement-s-managed-portfolios.md): Gusto Retirement offers 6 managed investment portfolios – from Conservative to Very Aggressive. Here's how your recommended portfolio is selected.
- [What to consider when building a custom portfolio](https://help.guideline.com/en/articles/8646464-what-to-consider-when-building-a-custom-portfolio.md)
- [How to create a custom portfolio](https://help.guideline.com/en/articles/8640674-how-to-create-a-custom-portfolio.md)
- [How long does it take for portfolio changes to apply?](https://help.guideline.com/en/articles/8646536-how-long-does-it-take-for-portfolio-changes-to-apply.md): If you make changes to your portfolio, here's when you can expect reallocations to process.
- [Gusto Retirement's investment principles](https://help.guideline.com/en/articles/8648913-gusto-retirement-s-investment-principles.md)
- [What is portfolio rebalancing?](https://help.guideline.com/en/articles/8593899-what-is-portfolio-rebalancing.md): When the amount of your assets no longer aligns with your portfolio selection, rebalancing brings allocations back to the intended levels.
- [How is my portfolio performing?](https://help.guideline.com/en/articles/8640524-how-is-my-portfolio-performing.md)
- [Why does VMFXX show up as an investment in my portfolio?](https://help.guideline.com/en/articles/8646601-why-does-vmfxx-show-up-as-an-investment-in-my-portfolio.md)
- [What investment options are available with Gusto Retirement?](https://help.guideline.com/en/articles/8900905-what-investment-options-are-available-with-gusto-retirement.md)

### Gusto Retirement Pro

- [Gusto Retirement Pro: Frequently asked questions for accountants](https://help.guideline.com/en/articles/8615277-gusto-retirement-pro-frequently-asked-questions-for-accountants.md): Gusto Retirement Pro is a free program for accounting professionals. Here are answers to common questions about Gusto Retirement Pro for accountants.
- [Gusto Retirement Pro: Frequently asked questions for advisors](https://help.guideline.com/en/articles/8615281-gusto-retirement-pro-frequently-asked-questions-for-advisors.md): Gusto Retirement Pro is a free program for financial professionals. Here are answers to common questions about Gusto Retirement Pro for advisors.
- [How the Gusto Retirement Pro accountant rewards program works](https://help.guideline.com/en/articles/8576553-how-the-gusto-retirement-pro-accountant-rewards-program-works.md)
- [Support contact information and resources for Gusto Retirement Pro partners](https://help.guideline.com/en/articles/9401978-support-contact-information-and-resources-for-gusto-retirement-pro-partners.md): Find the right contact information and resources for you, your clients, and their employees.
- [Guideline Pro: Frequently asked questions for Gusto acquisition](https://help.guideline.com/en/articles/12713707-guideline-pro-frequently-asked-questions-for-gusto-acquisition.md)
- [How do I assign a firm member to a client account?](https://help.guideline.com/en/articles/8640261-how-do-i-assign-a-firm-member-to-a-client-account.md)
- [Can Gusto Retirement Pro connect with third-party data aggregators?](https://help.guideline.com/en/articles/9241706-can-gusto-retirement-pro-connect-with-third-party-data-aggregators.md): Gusto Retirement Pro can connect with third-party data aggregators to help advisors manage client data in one place.
- [Can I see my clients’ asset reports in Guideline Pro?](https://help.guideline.com/en/articles/9261145-can-i-see-my-clients-asset-reports-in-guideline-pro.md): The Quarterly Asset Detail Report provides visibility into your clients’ plans and can help you support them with retirement strategies.
- [How do I invite clients to set up a 401\(k\) through Guideline Pro?](https://help.guideline.com/en/articles/9391564-how-do-i-invite-clients-to-set-up-a-401-k-through-guideline-pro.md): Step-by-step instructions on how to add a new plan for clients within your Guideline Pro dashboard.

### Video library

- [Setup your 401\(k\) using the Guideline mobile app - Video](https://help.guideline.com/en/articles/10336220-setup-your-401-k-using-the-guideline-mobile-app-video.md): How to enroll in your 401\(k\) using our mobile app.
- [Navigating your administrator dashboard - Video](https://help.guideline.com/en/articles/10336374-navigating-your-administrator-dashboard-video.md): Key features and navigation in your administrator dashboard.
- [Safe harbor 401\(k\) plans & features - Video](https://help.guideline.com/en/articles/10301379-safe-harbor-401-k-plans-features-video.md): This video provides an overview of safe harbor plans and their benefits.
- [Compliance testing overview - Video](https://help.guideline.com/en/articles/10336205-compliance-testing-overview-video.md): Understanding compliance testing and how to view your compliance dashboard.
- [Upload payroll for a self-service plan - Video](https://help.guideline.com/en/articles/10336382-upload-payroll-for-a-self-service-plan-video.md): How self-service plan sponsors can upload payroll reports in their dashboard.

## Español

### Empleados

- [Cuentas del plan 401\(k\) y residentes no estadounidenses](https://help.guideline.com/es/articles/8571256-cuentas-del-plan-401-k-y-residentes-no-estadounidenses.md): Cómo la condición de residente puede afectar su capacidad de participar en un plan 401\(k\).
- [Guía de bienvenida para nuevos participantes del plan 401\(k\)](https://help.guideline.com/es/articles/10127196-guia-de-bienvenida-para-nuevos-participantes-del-plan-401-k.md): Si su empleador ofrece un plan 401\(k\) con Guideline, esta guía de bienvenida ofrece información importante sobre su cuenta de jubilación.
- [¿Cómo configuro mi cuenta del plan 401\(k\) de Guideline?](https://help.guideline.com/es/articles/8640476-como-configuro-mi-cuenta-del-plan-401-k-de-guideline.md)
- [¿Cómo puedo dejar de participar o dejar de contribuir a mi cuenta del plan 401\(k\)?](https://help.guideline.com/es/articles/8640431-como-puedo-dejar-de-participar-o-dejar-de-contribuir-a-mi-cuenta-del-plan-401-k.md): Si no desea invertir en su plan 401\(k\), aquí le indicamos cómo dejar de participar o contribuir.
- [Me inscribieron automáticamente en el plan 401\(k\) de mi compañía, ¿puedo recuperar mi dinero?](https://help.guideline.com/es/articles/8604905-me-inscribieron-automaticamente-en-el-plan-401-k-de-mi-compania-puedo-recuperar-mi-dinero.md): Si fue inscrito automáticamente en un plan 401\(k\) de Guideline, es posible obtener un reembolso de las contribuciones en algunos casos.
- [¿Qué es un préstamo del plan 401\(k\)? ¿Califico para solicitar uno a Guideline?](https://help.guideline.com/es/articles/8593670-que-es-un-prestamo-del-plan-401-k-califico-para-solicitar-uno-a-guideline.md): Una explicación de los préstamos del plan 401\(k\), incluida la elegibilidad, las limitaciones y cómo solicitar uno a Guideline.
- [¿Qué es un retiro por dificultades y cómo lo solicito?](https://help.guideline.com/es/articles/8593697-que-es-un-retiro-por-dificultades-y-como-lo-solicito.md): Un retiro por dificultades le permite retirar fondos de su plan 401\(k\) por necesidades financieras específicas aprobadas por el IRS.
- [¿Cómo retiro o transfiero fondos del plan 401\(k\) de Guideline?](https://help.guideline.com/es/articles/8640679-como-retiro-o-transfiero-fondos-del-plan-401-k-de-guideline.md): Esta guía explica cómo retirar fondos o hacer un traspaso de su plan 401\(k\).
- [¿Cómo designo quiénes serán los beneficiarios de mi plan 401\(k\)?](https://help.guideline.com/es/articles/8640330-como-designo-quienes-seran-los-beneficiarios-de-mi-plan-401-k.md): Cómo seleccionar a los beneficiarios de su 401\(k\) para que sus fondos se distribuyan como usted desea en caso de que fallezca.
- [Cómo se calcula la tarifa anual de la cuenta del plan 401\(k\) de Guideline](https://help.guideline.com/es/articles/8604833-como-se-calcula-la-tarifa-anual-de-la-cuenta-del-plan-401-k-de-guideline.md)

### Conceptos básicos de Guideline

- [Información de contacto y horario de atención](https://help.guideline.com/es/articles/8604964-informacion-de-contacto-y-horario-de-atencion.md): Si necesita asistencia de nuestros equipos de soporte, aquí le indicamos cómo comunicarse con nosotros.

### Videoteca

- [Cómo configurar tu 401\(k\) de Guideline](https://help.guideline.com/es/articles/11833371-como-configurar-tu-401-k-de-guideline.md)
- [Tipos de contribución 401\(k\)](https://help.guideline.com/es/articles/11833403-tipos-de-contribucion-401-k.md)