Integrate with Vestwell

If your company already has a plan with Vestwell, contact [email protected] to integrate it with Gusto.

If your company does not have a plan with Vestwell yet, contact Vestwell to set one up. Let your Vestwell onboarding specialist know you want to integrate with Gusto, and they’ll help you.

When Vestwell payroll deductions begin

Vestwell notifies you when your plan and the integration are active.

Four days before your first integrated payroll, Vestwell sends employee deduction rates to Gusto. On the next payroll, we automatically deduct employee contributions, record company contributions, and send all contributions to Vestwell.

You can find a record of all contributions by pay date and employee on the Contributions tab of your Vestwell employer portal.

After you connect Gusto and Vestwell, you can manage your plan through both platforms.

Change employee contributions

Employees must change their personal contributions directly in Vestwell. Vestwell automatically sends changes to Gusto in about 2 business days.

Change company contributions or plan settings

To manage your 401(k) or review plan settings, always do so in the Vestwell employer portal.

For more information about your ongoing responsibilities, visit the Vestwell Help Center.

Add new hires

Use Gusto as your system of record for new hires. When you add someone to Gusto, their info automatically syncs to Vestwell. After they meet any eligibility requirements (like a new-hire waiting period), Vestwell invites them to enroll, and we automatically add their deductions to payroll.

If contributions have not started for a new hire, they may not yet be eligible to enroll under your company’s plan eligibility rules. The employee might also have enrolled after you ran payroll for the pay period.

Handle employee dismissals

Employers: Use Gusto as your system of record for dismissals. When you enter a dismissal date in Gusto, it automatically syncs to Vestwell. The last day of the employee’s benefit will be the same as the dismissal date you enter in Gusto.

Employees: Learn more from Vestwell about what to do with your account when you leave your company.

Dismissal payrolls include regular 401(k) contributions. Severance payments are not eligible for 401(k) deductions, so we do not deduct from severance payments on a dismissal payroll.

Handle loans

If your plan allows loans, employees can request a loan through their Vestwell Saver Portal. After the employee reaches the repayment stage, they need to repay the loans through payroll deductions.

Employers need to set up loan repayment deductions in Gusto. Vestwell automatically debits the repayment amount from your company bank account.

Missing payroll deductions

Payroll deductions may be missing for several reasons:

• Your plan or integration has not started yet. Check with your Vestwell integration setup team to confirm the start date.

• The employee may not yet be eligible per your plan’s eligibility rules.

• Your company ran payroll before we processed the enrollment or deduction change. If an employee wants to correct for missed deductions, they can increase their contribution rate in the state employee portal.

• We apply taxes before deductions. The employee had $0 in net pay after taxes.

• The employee reached the IRS annual contribution limit.

Fix payroll data not syncing to Gusto

For payroll data to sync, you need to set Gusto as your payroll provider in Vestwell. If you’ve changed your payroll provider since starting your 401(k), contact Vestwell to update it.

Check out Vestwell’s Help Center for help with Vestwell’s online portal.

You can also email Vestwell:

• Employers: [email protected]

• Employees: [email protected]

• If you do not have a retirement plan through Vestwell yet: [email protected]