{"id":932,"date":"2025-08-26T09:45:40","date_gmt":"2025-08-26T16:45:40","guid":{"rendered":"https:\/\/embedded.gusto.com\/blog\/?p=932"},"modified":"2025-10-21T13:48:03","modified_gmt":"2025-10-21T20:48:03","slug":"401k-retirement-plans-gusto-embedded","status":"publish","type":"post","link":"https:\/\/embedded.gusto.com\/blog\/401k-retirement-plans-gusto-embedded\/","title":{"rendered":"New: 401(k) Plans on Gusto Embedded"},"content":{"rendered":"<p><em>[<strong>Update 10\/21\/2025:<\/strong> Our Vestwell integration is live! <a href=\"https:\/\/docs.gusto.com\/embedded-payroll\/changelog\/added-vestwell-401k-integration-flow\">Learn more on our changelog.<\/a>]<\/em><\/p>\n<p><b>Introducing seamless retirement benefits for Gusto Embedded partners from Guideline and Vestwell<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Paying employees involves more than just a paycheck; it includes offering benefits such as health insurance and retirement planning. With this in mind, we&#8217;re excited to announce the launch of integrated 401(k) partnerships for Gusto Embedded, starting with Guideline and Vestwell.<\/span><\/p>\n<h2><b>Beyond Payroll: A Complete HR Solution<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">SMBs today need more than just payroll processing \u2013 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, <\/span><a href=\"https:\/\/embedded.gusto.com\/blog\/clair-on-demand-pay-via-gusto-embedded-payroll\/\"><span style=\"font-weight: 400;\">on-demand pay<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/embedded.gusto.com\/blog\/embedded-payroll-to-accounting-integration\/\"><span style=\"font-weight: 400;\">accounting integrations<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/embedded.gusto.com\/blog\/next-insurance-workers-comp-via-gusto-embedded-payroll\/\"><span style=\"font-weight: 400;\">workers\u2019 compensation insurance<\/span><\/a><span style=\"font-weight: 400;\">, all within their existing platform.<\/span><\/p>\n<h2><b>Why a 401(k) Integration Matters<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">According to a <\/span><a href=\"https:\/\/gusto.com\/resources\/gusto-insights\/one-secret-to-retaining-top-talent-offering-retirement-benefits\"><span style=\"font-weight: 400;\">Gusto Insights report<\/span><\/a><span style=\"font-weight: 400;\">, 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&#8217;t just a nice-to-have \u2014 it&#8217;s essential and, in some states, a legal requirement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Likewise, because 401(k) plans are automatic payroll deductions that are deposited into an employee\u2019s 401(k) account, they need to connect with their payroll provider.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These 401(k) partnerships deliver several key benefits:<\/span><\/p>\n<p><b>For Partners:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Increased Revenue Opportunities<\/b><span style=\"font-weight: 400;\">: Add retirement benefits as a new revenue stream while increasing customer lifetime value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enhanced Customer Retention<\/b><span style=\"font-weight: 400;\">: Provide a more comprehensive solution that reduces customer churn<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Competitive Differentiation<\/b><span style=\"font-weight: 400;\">: Stand out in the market with integrated retirement offerings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seamless Implementation<\/b><span style=\"font-weight: 400;\">: Leverage our pre-built Flows for rapid deployment<\/span><\/li>\n<\/ul>\n<p><b>For Our Partners\u2019 SMB Customers:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Streamlined Operations<\/b><span style=\"font-weight: 400;\">: Manage payroll and retirement benefits in one integrated platform<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automated Administration<\/b><span style=\"font-weight: 400;\">: Automatic payroll deductions, year-end compliance testing, and data synchronization eliminate manual processes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Employee Attraction &amp; Retention<\/b><span style=\"font-weight: 400;\">: Offer competitive benefits packages that help recruit and retain top talent<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliance Support<\/b><span style=\"font-weight: 400;\">: Stay compliant with state retirement mandates and federal regulations<\/span><\/li>\n<\/ul>\n<h2><b>Our Launch Partners<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Guideline is an established Gusto partners with several options for SMB customers, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe Harbor and traditional 401(k) plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starter 401(k)s for smaller businesses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plans for self-employed individuals<\/span><\/li>\n<\/ul>\n<h2><b>Seamless Integration Experience<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Our 401(k) integrations are built to ensure a seamless user experience.<\/span><\/p>\n<p><b>For Partners:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Simple Authentication Flow<\/b><span style=\"font-weight: 400;\">: We handle the OAuth processes, providing your customers with a smooth authentication experience<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre-built Components<\/b><span style=\"font-weight: 400;\">: Leverage our tested authentication flows and connection management tools<\/span><\/li>\n<\/ul>\n<p><b>For Employers:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>One-Click Setup<\/b><span style=\"font-weight: 400;\">: Connect to 401(k) providers directly from your partner&#8217;s platform<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automated Data Sync<\/b><span style=\"font-weight: 400;\">: 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<\/span><\/li>\n<\/ul>\n<h2><b>Get Started Today<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The 401(k) integrations with <\/span><a href=\"https:\/\/docs.gusto.com\/embedded-payroll\/docs\/401k-guideline\"><span style=\"font-weight: 400;\">Guideline<\/span><\/a> and <a href=\"https:\/\/docs.gusto.com\/embedded-payroll\/changelog\/added-vestwell-401k-integration-flow\">Vestwell<\/a><span style=\"font-weight: 400;\"> are available now for all Gusto Embedded partners, with additional providers coming soon.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to expand your offering and provide your SMB customers with comprehensive workforce solutions? If you\u2019re an existing Gusto Embedded partner, <\/span><a href=\"https:\/\/docs.gusto.com\/embedded-payroll\/docs\/401k-guideline\"><span style=\"font-weight: 400;\">check out the developer docs<\/span><\/a><span style=\"font-weight: 400;\"> and reach out to your Gusto partner manager. If you\u2019re thinking about adding payroll, benefits, and more to your platform, <\/span><a href=\"https:\/\/embedded-info.gusto.com\/contact-us\"><span style=\"font-weight: 400;\">contact our sales team<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>[Update 10\/21\/2025: Our Vestwell integration is live! Learn more on our changelog.] Introducing seamless retirement benefits for Gusto Embedded partners&#8230;<\/p>\n","protected":false},"author":18,"featured_media":935,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-932","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-updates"],"acf":{"exclude_from_embedded_resources":false,"popularity":0,"essentiality":0},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New: 401(k) Plans on Gusto Embedded - Embedded Blog<\/title>\n<meta name=\"description\" content=\"Gusto Embedded partners can now offer retirement plans to SMBs on their payroll plaform via our integration with Guideline and others.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/embedded.gusto.com\/blog\/401k-retirement-plans-gusto-embedded\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New: 401(k) Plans on Gusto Embedded - 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