# Guideline

**Canonical:** https://apis.io/providers/guideline/  
**Website:** https://guideline.com  
**APIs profiled:** 0

Guideline (now offered as "Gusto 401(k) powered by Guideline") is a retirement benefits provider that delivers full-service, low-cost 401(k) and IRA plans to small and mid-sized businesses, tightly integrated with payroll so employee deductions and employer contributions sync automatically. Through its SEC-registered investment adviser subsidiary it offers managed, low-cost index-fund portfolios, recordkeeping, compliance and plan administration. Guideline reports serving 40,000+ businesses and 700,000+ savers with $10B+ in assets under management. It exposes no public developer API; this profile captures its identity, security posture, and machine-readable surfaces (security.txt, llms.txt) for the API Evangelist network.

## Kin Score — 20.0 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 20.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (3)

- **Guideline Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Guideline Vulnerability Disclosure** — security.txt · contact published
- **Guideline Trust Center** — SOC 2 Type II

## Tags

Company, Retirement, 401k, IRA, Financial-Services, Fintech, Payroll, Investing, Wealth Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/guideline/). Scores are computed from the provider's own public artifacts under a published rubric.