Welcome

Welcome to Vestwell!
Your new partner for
retirement savings
and beyond.

Access your plan setup toolkit Find your transition group

Who We Serve-Nov-12-2025-08-23-10-8359-PM

Enabling your team to build their financial future takes a partner who understands your goals, and makes it easy to get there.

Following Gusto’s acquisition of Guideline, Vestwell has acquired Accrue 401k (formerly serviced by Guideline), becoming the new home for your retirement plan. Vestwell is the modern savings platform helping businesses and employees save for life’s most important moments.

This resource hub is your one-stop shop for transition updates. Here, you’ll find clear information on what’s changing, what’s staying the same, important timelines, and the resources available to support you and your employees every step of the way.

We’re honored to be by your side.

Meet Vestwell

Closing the savings gap, together.

For nearly a decade, our mission has been steadfast: to close America’s $50 trillion savings gap and modernize how people access financial security. We’ve built the infrastructure to anticipate the needs of today’s savings economy: one grounded in connection, accessibility, and trust.

With a comprehensive savings suite, robust plan features, dependable support, and integration to your existing payroll system, Accrue 401k (formerly serviced by Guideline) chose Vestwell to power your long-term success.

This transition paves the way for a more connected, seamless savings experience. With our people, platform, and proven approach, we’re ready to help you Vestwell for the future.

Hear directly from Vestwell's CEO

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What’s Next

What to expect during your plan transition.

The transition from Accrue to Vestwell will take place between March 4 and May 6. To promote accuracy, continuity, and high-touch support, plans will migrate in cohorts (groups) rather than all at once. This phased approach allows our teams to give each plan the attention it deserves while minimizing risk.

Your group assignment and key dates will be communicated directly by email and reinforced in follow-up communications. You’ll be informed of exact transition timing before or during the week of March 2nd.

Each group will have a brief blackout period during which certain plan transactions will be temporarily paused to safely transfer assets and data. Your specific blackout dates will be clearly outlined in your transfer notice which will be sent via email.

Ahead of your plan’s transfer, we recommend completing any remaining 2025 compliance tasks in the Accrue 401k portal. Taking care of these items in advance helps support a smooth transition.

Find your transition group Access plan setup toolkit

Seamless Payroll Connections

Keep your payroll connected and your plan running smoothly.

Savings starts with the paycheck. That’s why we've built integrations with nearly 200 trusted payroll providers—ensuring that employee payroll and retirement savings are connected from the start.

Behind the scenes, Vestwell syncs payroll and retirement data in real time, so contributions, eligibility updates, and new hires flow seamlessly. That means fewer manual steps, reduced potential for errors, and more time back to focus on your business priorities.

During plan setup, your payroll integration between Vestwell and your payroll provider will be reconnected so that contributions continue as expected on day one.

Access payroll FAQs

Our Commitment to You

The partner you can count on.

Vestwell provides personalized support and subject-matter expertise for every plan.

Backed by accredited expertise

Great relationships start with great service. Over 290 professionals are in your corner providing retirement plan expertise when you need it. Our team holds advanced retirement plan and securities industry credentials, including Financial Industry Regulatory Authority (FINRA) licenses as well as Qualified 401(k) Administrator and Enrolled Retirement Plan Agent (ERPA) certifications.

Dedicated plan transfer support

From transferring retirement plan design and plan assets to handling plan notices and keeping your plan on track with the transition timeline, our specialized team for plan transfers handles the heavy lifting. Vestwell has transitioned thousands of plans seamlessly onto our platform of varying client profiles and sizes. You can feel confident your move will be just as smooth.

Built to grow with your needs

While there will be no changes to your existing retirement plan, our modern, fully in-house technology was built to adapt as your needs may change. A configurable platform allows for flexible features and easy expansion—from optimizing retirement plan design to enhancing your benefits package with new savings solutions, all under a unified portal. Our dedicated plan design team helps customize your plan to your goals.

Secure and protected data

Our platform was designed to prioritize security. We protect employee data, exceed Department of Labor (DOL) and Securities and Exchange Commission (SEC) guidelines, and undergo System and Organization Controls (SOC) audits with regulatory bank department oversight. We’ve never had a data breach, and we’re one of the only providers in our market to have our own trust company, enabling more direct oversight and control.

The Vestwell Advantage

Why we were selected over alternative providers.

When compared to other 401(k) providers, Vestwell outperformed alternatives on every dimension that matters—service, innovation, reliability, and long-term alignment with employers’ growth.

Key

Supported

Sometimes Supported

Unsupported

	What This Means for You	Vestwell	Other Providers
Personalized Support
24/7 Support	Always-on support with access to dedicated service specialists available via phone, email, and live chat, plus 24/7 AI chat assistance for instant answers.
Multilingual Retirement Portal and Call Support	Vestwell’s savings portal is available in 20 languages, and employees can receive live call support in 240+ languages.
Live Portal Demos	Our team can walk you through a real demo of the savings portal for employers and employees.
Seamless Plan Management
Comprehensive Payroll Connectivity	We can integrate with nearly 200 payroll systems. Your payroll and Vestwell retirement portal are connected from day one.
Mobile App	Anything employees can do on their web portal, they can do on the mobile app, making it easy to manage savings and track progress on the go.
Full 3(16) Administration and Fiduciary Services	Every plan includes end-to-end administration and 3(16) co-fiduciary management with you as the plan sponsor—meaning we take on much of the legal plan oversight.
Deep Plan Expertise	Our team has advanced certifications to deliver retirement plan expertise. If your plan needs evolve, you can get an in-depth session with a specialized plan design consultant.
Complimentary Audit Support	Our team provides full audit support as part of our standard services at no extra cost.
Compliance Testing Tools	We offer intuitive in-portal compliance trackers and tools to run annual test simulations and preview results.
Robust Savings Solutions
Goal-based Investing	We offer an investment option that provides a more personalized asset allocation into portfolios based on retirement and investment goals.
Self-directed Brokerage Accounts	We offer an optional feature for employees to invest their retirement savings in a broader range of assets via a linked external brokerage account.
Broad Suite of Savings and Benefits Options	With Vestwell, you can offer many savings benefits—from retirement plans to student loan repayment, tuition reimbursement, 529 education, ABLE disability, child, and emergency savings—all on one platform.
Emergency Savings	Enable your workforce to prepare for the unexpected via a dedicated account to save for emergencies with flexible employer contribution options.
529 Education Savings	Help employees save for a loved one’s future education by offering access and optional contributions to a tax-advantaged 529 account.
Retirement Match for Student Loans	You can match employees’ student loan payments with contributions towards their retirement accounts.
No Sponsored Fund Requirements	Many providers may lock you into their own investments for additional profit. At Vestwell, you can access over 19,000 funds with no Vestwell-sponsored fund requirements.
And More
Voluntary Customer Reviews	Vestwell does not pay for customer reviews. All Google and G2 reviews are voluntary, and we’re proud to back this with direct client testimonials.

Welcome to Vestwell! Your new partner forretirement savingsand beyond.