Welcome to Accrue 401k, Inc. (“Accrue”) – we’re excited you’re here! If your 401(k) recently moved to Accrue from Guideline, we understand that you might have some questions.

Here’s what to expect and how this transition may impact your account.

Why was my account moved to Accrue?

Guideline has recently been acquired by Gusto, Inc. (“Gusto”). Due to the acquisition, any clients that did not use a Gusto payroll system have moved to Accrue. We’re happy to be continuing your 401(k) services with us moving forward.

Is Accrue the same company as Guideline?

No. Accrue is an unaffiliated entity that is not owned or controlled by Guideline. Accrue has entered into an agreement that will enable it to continue providing services without interruption.

Will I still have access to my dashboard?

Yes, both plan sponsors and participants can access the 401(k) dashboard at any time at my.accrue401k.com/login. You’ll find that the dashboard and user experience remain familiar. Additionally, if you've already set up your account, your same login credentials will provide you access into your dashboard.

Will I still have access to historical documents?

Yes, you will have access to all documentation within your dashboard.

Who do I reach out to if I have questions?

Accrue’s dedicated support team is here to assist you with any questions regarding your account. Here’s where you can reach us:

Do I have to take any action to move my funds?

No action is required on your part to move your 401(k) funds to Accrue. Your plan assets can be viewed within your account.

Does Accrue have a mobile app?

At this time, Accrue does not offer a mobile app.

Will this delay my contributions, distributions, or rollovers?

We are committed to processing all of your financial transactions in a timely manner. You can expect your transactions to be handled promptly within similar timeframes as your previous provider.

Is my retirement account secure with Accrue?

We take the security of your account and personal information extremely seriously.

Your funds remain at Benefit Trust Company (BTC), a third-party custodian. Custodians are regulated entities and hold plan assets in compliance with relevant regulations.

Will there be any changes to my investments or allocations?

No, there will be no changes to your investments at this time. Your holdings and asset allocation are unaffected by this transition, and your money remains invested according to your chosen strategy.

Will my AUM fees change?

No pricing changes are planned at this time.

Why is Guideline Investments, LLC no longer providing 3(38) investment management services for my plan? (Only applicable to non-consenting plans)

During the acquisition process, some plan sponsors or trustees did not consent to the assignment of the Investment Management Services Agreement with Guideline Investments, LLC that resulted due to the change in ownership. If this applies to your plan, 3(38) investment management services are no longer available and any associated fees will not be charged. As a result, Guideline Investments cannot provide investment recommendations to plan participants and there is no party actively monitoring or making changes to the plan's investment options.

You will know if this change applies to you because it was specifically detailed in your transition announcement email. Please be assured that your existing funds and asset allocation remain invested according to your chosen strategy. You can still manage your holdings and update portfolio selections at any time through the dashboard. If you have questions related to this non-consent, please contact your employer’s internal 401(k) administrator.

Will anything change for my company?

The core features and day-to-day operations of your plan are expected to continue operating substantially in the same manner. We are focused on providing a smooth transition with minimal disruption.

My payroll provider is not integrated with Accrue, how do I manage my plan?

If you receive notification that your plan would be transitioning to a self-service model, there are several administrative and fiduciary changes that will apply. Please learn more about self-service plans and responsibilities here.

Will my plan pricing change?

No pricing changes are planned at this time.

Is there a service agreement I can review?

Your Guideline Service Agreement is still applicable, but it was assigned to Accrue. The amendment documenting this assignment is available in your dashboard within the Resource Library.

Are there any changes to our billing?

Monthly invoices will now be processed by Accrue for your existing pricing plan. No pricing changes are planned at this time.

​