Welcome to Vestwell!
Your new partner for
retirement savings
and beyond.
Your new partner for
retirement savings
and beyond.
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.
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.
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.
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.
The partner you can count on.
Vestwell provides personalized support and subject-matter expertise for every plan.
Backed by accredited expertise
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Dedicated plan transfer support
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Built to grow with your needs
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Secure and protected data
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. | | |