Guideline 401(k) Provider Review

Guideline charges administrative fees that vary by plan size. Expense ratios range from 0.03% - 0.15%, and advisory fees are N/A - self-directed. Compare plans carefully as total costs depend on your plan size and investment selections.

You can log into your Guideline 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.

Guideline ranks #15 in our 2026 provider rankings with a score of 7.1/10. They manage $9 billion in assets and serve 700,000 participants. They are particularly strong for Small businesses, Cost-conscious employers, Hands-off plan sponsors, Index fund believers.

Yes, you can roll over your Guideline 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact Guideline or your new provider to initiate the transfer.

Guideline offers a range of investment options including Vanguard Index Funds, Target Date Funds, Bond Funds, Money Market. The specific fund lineup depends on your plan and may change periodically.

Guideline scores 7.1/10 overall with ratings of 4.7/5 for fees, 3.3/5 for investment options, 3.9/5 for customer service, and 4.0/5 for mobile app. Compare with other top providers on our comparison pages.

To roll into Guideline: Guideline accepts rollovers from 401(k), 403(b), and IRA accounts through their online dashboard. The process is fully digital and designed for simplicity. To roll out: Request an outbound rollover through the Guideline dashboard. Guideline processes direct rollovers to IRAs and new employer plans. No outgoing rollover fees. Use the Guideline Dashboard platform to manage your rollover.

Guideline offers withdrawals via Online via Guideline dashboard. Distribution options include Lump sum, Partial withdrawal, Rollover to IRA. Guideline handles all withdrawals digitally. Their streamlined platform processes requests quickly with automated compliance checks.

Guideline 401(k) plans do not offer participant loans. This design choice keeps plan costs low and administration simple, but participants who need emergency access to funds must take a withdrawal instead.