[Update 10/21/2025: Our Vestwell integration is live! Learn more on our changelog.]
Introducing seamless retirement benefits for Gusto Embedded partners from Guideline and Vestwell
Paying employees involves more than just a paycheck; it includes offering benefits such as health insurance and retirement planning. With this in mind, we’re excited to announce the launch of integrated 401(k) partnerships for Gusto Embedded, starting with Guideline and Vestwell.
Beyond Payroll: A Complete HR Solution
SMBs today need more than just payroll processing – they need integrated benefits that help them attract and retain talent. With these new 401(k) integrations, Gusto Embedded partners can now offer their SMB customers a solution that includes retirement benefits, health benefits, on-demand pay, accounting integrations, and workers’ compensation insurance, all within their existing platform.
Why a 401(k) Integration Matters
According to a Gusto Insights report, offering a retirement plan improves employee retention and can lead to cost savings for businesses. For SMBs competing for talent, offering a 401(k) plan isn’t just a nice-to-have — it’s essential and, in some states, a legal requirement.
Likewise, because 401(k) plans are automatic payroll deductions that are deposited into an employee’s 401(k) account, they need to connect with their payroll provider.
These 401(k) partnerships deliver several key benefits:
For Partners:
- Increased Revenue Opportunities: Add retirement benefits as a new revenue stream while increasing customer lifetime value
- Enhanced Customer Retention: Provide a more comprehensive solution that reduces customer churn
- Competitive Differentiation: Stand out in the market with integrated retirement offerings
- Seamless Implementation: Leverage our pre-built Flows for rapid deployment
For Our Partners’ SMB Customers:
- Streamlined Operations: Manage payroll and retirement benefits in one integrated platform
- Automated Administration: Automatic payroll deductions, year-end compliance testing, and data synchronization eliminate manual processes
- Employee Attraction & Retention: Offer competitive benefits packages that help recruit and retain top talent
- Compliance Support: Stay compliant with state retirement mandates and federal regulations
Our Launch Partners
Starting with our Guideline and Vestwell 401(k) integrations, and with more on the way, Gusto Embedded partners can choose the 401(k) provider that works best for their customers.
Guideline is an established Gusto partners with several options for SMB customers, including:
- Safe Harbor and traditional 401(k) plans
- Starter 401(k)s for smaller businesses
- Plans for self-employed individuals
Seamless Integration Experience
Our 401(k) integrations are built to ensure a seamless user experience.
For Partners:
- Simple Authentication Flow: We handle the OAuth processes, providing your customers with a smooth authentication experience
- Pre-built Components: Leverage our tested authentication flows and connection management tools
For Employers:
- One-Click Setup: Connect to 401(k) providers directly from your partner’s platform
- Automated Data Sync: Employee information and payroll data automatically flow to the 401(k) provider. When new employees join or leave your team, their information is automatically updated with your 401(k) provider
Get Started Today
The 401(k) integrations with Guideline and Vestwell are available now for all Gusto Embedded partners, with additional providers coming soon.
Ready to expand your offering and provide your SMB customers with comprehensive workforce solutions? If you’re an existing Gusto Embedded partner, check out the developer docs and reach out to your Gusto partner manager. If you’re thinking about adding payroll, benefits, and more to your platform, contact our sales team.
