Your Gusto 401(k) account has two types of fees: an annual account fee and fund expense ratios. Here's how each fee works and where to find your rates.
Your Gusto 401(k) account has two main types of fees.
Gusto Investments, LLC charges all Gusto 401(k) participants an annual account fee based on assets under management (AUM). Your fee is typically between 0.15% and 0.35%, depending on:
The plan type chosen by your employer
When your company's plan was established
Your specific fee is listed in your Annual Disclosure document. See Find and view your fee information below.
The mutual funds in your portfolio also charge fees called expense ratios. These are a percentage of fund assets paid to the fund manager, not to Gusto Retirement or its affiliates.
Gusto Investments carefully selects no-load, passively managed mutual funds to keep costs low. Our managed portfolios have blended expense ratios ranging from 0.058% to 0.061% of AUM.²
Expense ratios are automatically withdrawn from your investments. You will not see a transaction in your account for these charges. You can find each fund's expense ratio in its prospectus and in our fund lineup.
Your annual account fee is divided into monthly deductions based on your balance on the last day of each calendar month.
Formula: (Annual account fee ÷ 12) × month-end balance = monthly fee
For example, if your annual account fee is 0.15% and your month-end balance is $10,000, your monthly fee would be $1.25.¹
Your annual account fee is listed in your Annual Disclosure document.
Choose the path that matches how you signed in.
Sign in to Gusto and go to Benefits. Under Savings, find 401(k) and select View, then select Manage 401(k)
Sign in directly at the Gusto Retirement sign-in page.
Once you're in your 401(k) dashboard, follow these steps to find your annual account fee rate.
Go to Documents in the main menu.
Select the Resource Library tab.
Scroll down to find the Annual Disclosure for the current year.
Select the download button.
Look for the section titled “What fees will apply to my account?”
To see monthly fee charges on the web:
Access your Gusto Retirement dashboard:
Sign in directly: Visit the Gusto Retirement sign-in page. Sign in with your Gusto Retirement credentials, or use Gusto Single Sign-On (SSO). Learn more about SSO.
From your Gusto homepage: Go to Benefits, find 401(k) under Savings, select View, then select Manage 401(k).your web browser:
Go to Transactions in the main menu of your dashboard.
Your account fees appear listed by the date they were processed.
To see monthly fee charges in the retirement mobile app:
Open the Guideline retirement mobile app and sign in.
On the Home screen, scroll down to Recent transactions.
Tap View all transactions to see more.
Important: If you leave your employer, Gusto Retirement will charge a $4 monthly maintenance fee after an initial 90-day grace period, or after the end of the blackout period if your plan was recently transferred to Gusto Retirement. This fee is in addition to your standard annual account fee and fund expense ratios.
To learn more, see our Pricing Page and ADV 2A Brochure.
Pricing applicable as of Feb 23, 2026. Plan costs may vary from legacy pricing depending on when a plan was initiated.
Investment advisory services for Gusto's 401(k) (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Gusto Investments, LLC, an SEC-registered investment adviser. For more information regarding fees and services, see Gusto Investments' ADV 2A Brochure and Form CRS.
1. This information is for illustrative purposes only and does not represent the actual costs you may incur. Information shown here assumes a static balance of $10,000 per month, an annual account fee of 0.15% on assets under management (calculated and deducted on a monthly basis at 1/12 of the annual stated rate), based on the month-end account balance. This example does not account for common factors that affect the value of your account balance over time, like gains, losses, distributions, or additional contributions, and is not intended to constitute investment advice nor an assurance or guarantee of future performance. The fee presented does not represent the account fee on all accounts, nor does it include other fees that a 401(k) participant may incur, including but not limited to mutual fund expense ratios and a monthly maintenance fee for 401(k) participants if applicable. You can learn more about fees here.
2. The managed portfolios have blended expense ratios ranging from 0.058% to 0.061% of assets under management. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup.