Vestwell | Gusto Benefits

BASIC

$50 $0/month

+ $9 / month per active participant

Great for businesses setting up their first plan. Affordable, all-in price with easy administration.

Includes:

Payroll integration
3(16) Administration Services
1:1 Onboarding contact and dedicated service team
Optional loans, in-service and hardship withdrawals

PREFERRED

$150 $0/month

+ $9 / month per active participant

Best choice for a more flexible suite of plan design options. Balance of flexibility and price.

Everything in Basic, plus:

Expert plan design consultation and flexible plan design
Hours based eligibility
Optional discretionary match and profit sharing

Let's see your potential savings!

If you start a qualified retirement plan with auto-enrollment, you may qualify to earn more than $150,000 in tax credits over a three-year period.

Do you currently have a 401(k) plan?

Yes No

What year was it started?

If the plan is more than five years old, it may not be eligible for tax credits. But you may still be eligible for a $500 auto-enrollment credit!

How many employees (including owners) were paid more than $5,000 in W-2 wages last year?

If there are more than 100 employees, only the auto-enrollment credit may be applied.

How many of those employees will earn more than $100,000 this year?

Please enter number equal to or less than your total employee count.

How many of those employees are classified as owners (as defined by the IRS)?

Who will pay the monthly employee fees?

Employer Employee

Which plan type?

The maximum number of employees for a Solo plan is 1. Please adjust for accurate results.

Calculate Savings ›

Year 1

Year 2

Year 3

Total

Total recordkeeping fees

› Annual recordkeeping fees

› Setup fee

› Employee fee (optional)

Total tax credits up to

› Start-up credit

› Auto-enrollment credit

› Matching contributions*

Please note: this calculator is for illustration purposes only. It should not be construed as tax advice. Please consult a tax professional regarding specific tax needs. For further information please visit the IRS website. The tax credits available to your company may change based up on the number of HCEs. Also, the definition of HCE may change based on IRS rules.

Get Started

* Please note, this number does not take into account the total amount the employer would be contributing, just the possible tax credit they can receive. For example, if the average salary is $50,000 and there's a 3% match, that's a $1,500/yr contribution from the employer. If there's less than 50 employees, this tax credit would cover the first $1,000, leaving the employer with a $500 net contribution per employee.

VESTWELL.COM IS OWNED AND OPERATED BY VESTWELL HOLDINGS, INC. AND ITS SUBSIDIARIES. ("VESTWELL"), LOCATED IN NEW YORK, NY. INVESTMENT-RELATED CONTENT IS PROVIDED FOR GENERAL INFORMATION PURPOSES BY VESTWELL ADVISORS, LLC, AN SEC-REGISTERED INVESTMENT ADVISER, AND IS NOT INTENDED TO BE CONSTRUED AS INVESTMENT ADVICE. INVESTMENTS INVOLVE RISK AND ARE NOT GUARANTEED. READ OUR PRIVACY POLICY. VIEW THE FORM ADV PART 1 AND FORM ADV PART 2 FOR VESTWELL ADVISORS, LLC.

*NOTE: This cost can be passed on to the employee.

*Footnote: See 401(k) Averages Book, 24th Ed. (2023) based on the industry average, including recordkeeping, investment management, and fund expenses, for plans with 25 participants and a $250,000 average account balance. Expense ratios vary and are subject to change.

gusto@vestwell.com

CASE STUDY

Don’t just take our word for it.

Hear directly from Gusto customers on how Vestwell’s payroll integration makes it easy to manage their plan.

Build your offering confidently with Gusto and Vestwell.