Participant Fees & Expenses
At Guideline, we believe in fixing retirement in America. As such, we make billing as transparent as possible and bring our participants ultra low-cost investments. Learn about how Guideline manages expenses here.
Expenses for general administration and maintenance of your 401(k) are paid for by your employer. Guideline does not charge these expenses to your individual participant account as long as you're employed by your company.
If, down the line, you leave your employer and would like to keep your funds with Guideline, the monthly fee that was previously paid by your employer will be charged to your account.
Guideline does not impose any AUM fees for its 401(k) services.
Certain individual services or transactions may incur a fee if you choose to use them. These individual fees are attributed only to you and may be charged to you either at the time of the transaction or be automatically deducted from your account assets.
You can view Guideline's current list of individual fees in our Fee Disclosure.
Your Guideline 401(k) account invests your contributions in mutual funds managed by investment management firms. These firms charge an annual net expense ratio, which is the amount deducted from your account to operate the fund, perform administrative duties, and advertise or market the fund to potential investors. These fees will be charged by the fund manager (in most cases, Vanguard) from your individual account and paid out of your fund assets.
Guideline does not charge a fee for its own investment management or advisory services, such as Guideline's professionally managed portfolios.
Guideline carefully chooses mutual funds that bring you ultra low-cost management fees. Our average expense ratio is 0.07% AUM, one of the lowest in the industry! This means that our 401(k) participants can save more of their hard earned cash for retirement.