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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Guideline

    Score8.4 out of 10
    N/AGuideline headquartered in San Mateo offers a cloud-based 401k management software for businesses priced on a per employee basis.N/A

    Gusto

    Score8.9 out of 10
    N/AGusto offers payroll, benefits and compliance capabilities. Gusto is scaled for small to mid-sized businesses, and emphasizes an easy to use interface.

    $49

    per month

    Pricing
    GuidelineGusto
    Editions & Modules
    No answers on this topic
    Simple: A streamlined set of automatic payroll features and benefits integrations
    $49/month + $6/mo per person
    per month
    Plus: Comprehensive payroll, benefits, and HR tools for employers building a great place to work
    $80/month + $12/mo per person
    per month
    Premium: Scalable payroll and benefits, expert HR, and dedicated support for the complex needs of growing teams
    $180/month + $22/mo per person
    per month
    Offerings
    Pricing Offerings
    GuidelineGusto
    Free Trial
    NoYes
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    NoYes
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsGusto offers three pricing plans for payroll, benefits, and HR.
    More Pricing Information
    Community Pulse
    GuidelineGusto
    Considered Both Products
    Guideline
    Chose Guideline
    We selected Guideline due to their relationship with Gusto, our payroll service. However, we did review alternative options for our 401k program and found them very competitive as to price and quality. We were thinking about going with one of the bigger companies like Schwab, …
    Incentivized
    Chose Guideline
    Easier setup, more functionality, integration with Gusto
    Incentivized
    Chose Guideline
    Guideline has a great interface, but with a system like ADP you can have full integration that is more agile since it is all housed within one system!
    Incentivized
    Gusto
    Chose Gusto
    Gusto has a better user experience than Paycor and is priced better than Paycor.
    Incentivized
    Chose Gusto
    Gusto has been my favorite option both as an end-user (ie. employee) and admin (ie. employer). It's easy to use, has all the features we need, integrates with Guideline (our preferred 401k provider), and priced well for great value.
    Incentivized
    Chose Gusto
    Gusto is WAY easier to use and I have had zero issues. Other payroll software I've used had multiple issues and requires way too much time being transferred from representative to representative to get the issues solved.
    Incentivized
    Chose Gusto
    We were manually processing payroll through ADP previously and we also acquired a business with another local payroll company. This acquired company also was paying 1099 contractors manually, so Gusto enabled us to consolidate all of our payroll for multiple entities into one …
    Incentivized
    Key User Insights
    Would buy again
    73%
    Would buy again
    8 Answers
    92%
    Would buy again
    563 Answers
    Delivers good value for the price
    90%
    Delivers good value for the price
    9 Answers
    93%
    Delivers good value for the price
    464 Answers
    Happy with the feature set
    73%
    Happy with the feature set
    8 Answers
    95%
    Happy with the feature set
    576 Answers
    Lived up to sales and marketing promises
    78%
    Lived up to sales and marketing promises
    7 Answers
    91%
    Lived up to sales and marketing promises
    316 Answers
    Implementation went as expected
    89%
    Implementation went as expected
    8 Answers
    94%
    Implementation went as expected
    376 Answers
    Features
    GuidelineGusto
    401(k)
    Comparison of 401(k) features of Guideline and Gusto
    Feature
    Guideline
    6.3
    3 Ratings
    19% below category average
    Gusto
    -
    Ratings
    Payroll Integration5.62 Ratings00 Ratings
    Compliance Maintenance6.02 Ratings00 Ratings
    Plan Flexibility7.52 Ratings00 Ratings
    Filings and Disclosures5.12 Ratings00 Ratings
    Ease of Enrollment7.53 Ratings00 Ratings
    Payroll Management
    Comparison of Payroll Management features of Guideline and Gusto
    Feature
    Guideline
    -
    Ratings
    Gusto
    9.1
    611 Ratings
    10% above category average
    Pay calculation00 Ratings9.5587 Ratings
    Support for external payroll vendors00 Ratings8.58 Ratings
    Benefit plan administration00 Ratings8.7417 Ratings
    Direct deposit files00 Ratings9.7592 Ratings
    Salary revision and increment management00 Ratings9.0462 Ratings
    Reimbursement management00 Ratings9.0196 Ratings
    Best Alternatives
    GuidelineGusto
    Small Businesses
    No answers on this topic
    Patriot Payroll
    Score8.6 out of 10
    Medium-sized Companies
    No answers on this topic
    APS
    Score5.7 out of 10
    Enterprises
    No answers on this topic
    ADP Streamline Payroll
    Score6.1 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    GuidelineGusto
    Likelihood to Recommend
    6.5
    (11 ratings)
    9.1
    (633 ratings)
    Likelihood to Renew
    -
    (0 ratings)
    10.0
    (14 ratings)
    Usability
    10.0
    (1 ratings)
    9.4
    (457 ratings)
    Support Rating
    1.0
    (3 ratings)
    4.2
    (27 ratings)
    Implementation Rating
    -
    (0 ratings)
    9.1
    (3 ratings)
    User Testimonials
    GuidelineGusto
    Likelihood to Recommend
    Guideline
    I believe that the only thing more broken than Guideline's product is their customer support. From initial contribution dates to the disastrous account closure that cost us personally thousands of dollars, this has been by far the worst SaaS and customer experience I've ever had in my career. If only 1) Guideline's product or 2) customer support had individually been broken, we would not have ended up in this state. I sent dozens and dozens of emails inquiring about oddities I was seeing in the product, but Guideline's reps only gave more conflicting and what ended up being grossly inaccurate feedback and status updates. I hope this review reaches anyone who is thinking of closing their Guideline account. Be extremely wary of what Guideline says and does in the account closure process and exact for detailed and exact timelines (you'll have to follow up many times...). For those of you who haven't yet selected a 401k provider, I'd recommend staying as far away from Guideline as possible.
    Incentivized
    Read full review
    Gusto
    I think Gusto is well-suited for any business, big or small, to use for accounting purposes. It makes it easy to keep track of many things, such as pay stubs, benefits, paid time off, and much more. Where I could see it being less useful is maybe for enterprise businesses with way more employees.
    Incentivized
    Read full review
    Pros
    Guideline
    • Administrate individual 401(k)
    • Understand the contributions accumulated in total and per year
    • Understand the percentage of salary being contributed per pay period.
    Incentivized
    Read full review
    Gusto
    • New employee/contractor onboarding - all the documents are stored and easily accessible (the same goes for off-boarding).
    • A one-click option for syncing hours worked with payroll.
    • The option to run payroll on auto-pilot.
    • Ensuring I'm tax compliant with the states we have employees in.
    • Always having digital records of payroll runs.
    Incentivized
    Read full review
    Cons
    Guideline
    • I feel that the customer support was abysmal - In my experience, we were consistently given conflicting advice and statuses as we closed our account with Guideline. Despite many, many follow-ups attempting to clarify our current status and remaining steps to close the account, Guideline's reps continued to provide, I believe, misleading and inaccurate steps. This cost us thousands and thousands of dollars given Guideline was not able to appropriately pull the funds before closing the account.
    • Guideline's integrations - I believe there is clearly a broken pipeline between Guideline and Rippling. In my experience, contributions were not funded as expected when we first opened the account, and when we closed our account, there was no communication between Guideline and Rippling. Guideline continued to expect contributions into perpetuity despite closure of the account
    • I feel that Guideline's product itself is just broken in critical places - most importantly, statuses of contributions were reflected incorrectly in the software (Guideline thought funds were transferred, but they were not and Guideline never attempted to pull the funds from our bank). This, combined with the terrible customer support, cost us thousands and thousands of dollars after we closed our account. There are many absolutely critical features that are broken -> to give just one of many examples, it was not possible to update the bank account information and no error message was thrown. I was told that our account ended up in an exceptional state given our last payroll contribution date and account closure, but these seem like very basic things a 401k provider has to get right if there are going to manage people's money.
    Incentivized
    Read full review
    Gusto
    • Digital compliance tools for remote teams
    • Gusto upsold us labor law posters, but I later found them available for free online. Since we’re a fully remote team, I had to manually download and distribute them digitally. It would be much more efficient if Gusto offered free, auto-distributed digital posters tailored to remote compliance.
    • Benefits setup is unintuitive for startups
    • While our rep was helpful, navigating the benefits system felt complex and not tailored to early-stage companies. More guided flows or simplified options for small, remote startups would be a big help.
    • Limited dashboard customization for remote workflows
    • As a fully online company, we’d benefit from dashboard options that highlight relevant tools for remote operations—like compliance tracking, digital communications, or onboarding checklists.
    Incentivized
    Read full review
    Likelihood to Renew
    Guideline
    No answers on this topic
    Gusto
    Unless they break it, I'm never leaving. It's just too easy. Gusto is also really affordable, and for what I pay, it's worth having the historical record within the system. I like that I can go back and pull up W2's for year's past. This sort of easy access reporting, has been helpful especially when getting reports for PPP loans.
    Read full review
    Usability
    Guideline
    Well thought out and intuitive user experience for employees and administrators. Educational documentation has been a plus
    Incentivized
    Read full review
    Gusto
    Gusto is pretty user-friendly, and the website is easy to navigate overall. They also offer good, responsive customer support and have helpful articles available when needed. So far, I have not had any major issues with the platform and am overall very happy with it.
    Incentivized
    Read full review
    Support Rating
    Guideline
    The few questions that we've had have been answered quickly and helpfully. The implementation was a breeze and the onboarding contacts were really helpful. There was some stuff I had to learn about 401(k)s in making the decision to implement Guideline, but the Guideline team was helpful in pointing me in the right direction.
    Incentivized
    Read full review
    Gusto
    Gusto's customer service has really deteriorated lately and they seem to have really changed their focus. It used to be when you called you were routed to an individual who knew about payroll, benefits, reporting, etc. but now you get someone who seems to have not received the correct training. My last call about a dismissal payroll took me over an hour of my time and the person still could not help me and finally transferred me to someone else.
    Incentivized
    Read full review
    Implementation Rating
    Guideline
    No answers on this topic
    Gusto
    Reach out to support immediately if you are having trouble setting up Gusto. Rather than being confused and trying to figure it out yourself, it's much better to talk to someone who knows what they are doing. Save yourself time and frustration and reach out to support
    Incentivized
    Read full review
    Alternatives Considered
    Guideline
    We selected Guideline due to their relationship with Gusto, our payroll service. However, we did review alternative options for our 401k program and found them very competitive as to price and quality. We were thinking about going with one of the bigger companies like Schwab, E*TRADE, Ally, etc., but found Guideline to be the best choice for us based on price and ease of use.
    Incentivized
    Read full review
    Gusto
    While I never actually got to the point of trying out ADP, I had several conversations with an ADP representative, and it seemed that they would be able to provide the same (if not less) level of service for a significantly higher price
    Incentivized
    Read full review
    Return on Investment
    Guideline
    • Allow small employees to enhance benefit package
    • Great recruitment tool for new employees
    • Connection with payroll vendor allowed for less manual work
    Incentivized
    Read full review
    Gusto
    • Time tracking + payroll calculations me 30-60 minutes every time I run payroll.
    • Integrated workers' comp, so I didn't have to find an outside carrier and get quotes—it's all taken care of in the same platform.
    • Improved employee experience with onboarding.
    Incentivized
    Read full review
    ScreenShots

    Gusto Screenshots

    Screenshot of Gusto's automated payrollScreenshot of the time-off tracking interfaceScreenshot of the source of truth for HR data