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# Benefits Archives

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**How to build a robust benefits package** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/employee-benefits-package/index.html) \\
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**How do retirement benefits and participation compare by company size?** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/benefits-by-company-size/index.html) \\
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**How Gusto Retirement simplifies multi-entity 401(k) plan compliance** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/multi-entity-401k-plan-compliance/index.html) \\
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**How accountants can help their clients unlock 401(k) success** \\
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Caleb Newquist \| CPA (inactive) \| Editor-at-Large, Gusto \| Former Founding Editor, Going Concern](/content/resources/articles/benefits/401k/accountant-client-success/index.html) \\
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**An end-of-year checkup: 8 tips for 401(k) plan sponsors** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/end-of-year-tips-for-plan-sponsors/index.html) \\
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**Contribute to Last Year's IRA with Carryback Contributions** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/ira-carryback-contributions/index.html) \\
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**The Case for Auto-Enrollment: How It Can Boost Participation and Retirement Readiness** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/automatic-enrollment/index.html) \\
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**What are Starter 401(k) plans?** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/starter-401k/index.html) \\
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**Breaking down the difference between Traditional and Roth 401(k) Contributions** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/traditional-vs-roth-401k/index.html) \\
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**401(k) Eligibility Playbook: An Employer's Guide to Rules, Requirements, and Tracking** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/eligibility-requirements/index.html) \\
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**IRA 101: What they are and how they can help you save for retirement** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/ira-basics/index.html) \\
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**401(k) plans vs. Roth IRAs: Everything savers need to know** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/roth-ira-vs-401k/index.html) \\
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**Safe Harbor 401(k) Plans: A Guide for Business Owners in 2026** \\
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Aliza Altman](/content/resources/articles/benefits/401k/safe-harbor-401k-plan/index.html) \\
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**The Ultimate Guide to Solo 401(k)s** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/solo-401k/index.html) \\
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**What is a 401(k) Plan and Should You Participate?** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/should-i-invest-in-401k/index.html) \\
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**Safe Harbor + small business: a look at the data** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/safe-harbor-small-business/index.html) \\
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**How to balance paying off student loans while saving for retirement** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/student-debt-vs-retirement-saving/index.html) \\
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**401(k) vs. 403(b) plans: A guide for employers** \\
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Elizabeth Bell](/content/resources/articles/benefits/retirement/403b-retirement/index.html) \\
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**Everything You Need to Know About Offering Health Insurance** \\
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Emily Starbuck Gerson](/content/resources/articles/benefits/health-insurance/guide-offering-health-insurance/index.html) \\
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**How to choose a small business 401(k) provider** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/how-to-choose-small-business-401k-provider/index.html) \\
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**Is it time to rebalance my 401(k)?** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/rebalance-401k/index.html) \\
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**Taking care of business: ERISA fiduciary duties of a 401(k) plan sponsor** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/erisa-fiduciary-duties/index.html) \\
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**401(k) glossary: Your guide to retirement terminology** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/retirement-terms/index.html) \\
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**The basics of compound interest and dollar-cost averaging** \\
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Aliza Altman](/content/resources/articles/benefits/401k/compound-interest-retirement/index.html) \\
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**Evolution and history of the 401(k)** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k-history/index.html) \\
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**401(k) vs Profit Sharing: What You Need to Know** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/profit-sharing-vs-401k/index.html) \\
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**401(k) vs. SIMPLE IRA: Which retirement plan is better for your business?** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/simple-ira-vs-401k/index.html) \\
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**401(k) Nondiscrimination Tests: How to Stay Compliant** \\
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Aliza Altman](/content/resources/articles/benefits/401k/nondiscrimination-testing/index.html) \\
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**401(k) vs. IRAs: What's the difference and which is better for saving for retirement?** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/ira-vs-401k/index.html) \\
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**401(k) Profit Sharing Plans: How they Work for Everyone** \\
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Elizabeth Bell](/content/resources/articles/benefits/401k/profit-sharing/index.html) \\
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**Years of Service Awards: Tips for Recognizing Employee Tenure** \\
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Paige Smith](/content/resources/articles/hr/team-management/years-of-service-awards/index.html) \\
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**What Are Voluntary Benefits?** \\
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Nora Marsh](/content/resources/articles/benefits/voluntary-benefits/index.html) \\
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**What Is Earned Wage Access?** \\
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Barbara C. Neff](/content/resources/articles/benefits/earned-wage-access/index.html) \\
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**Find Out if You’re a Business Owner and an Employee—and How This Impacts Your Taxes & Benefits** \\
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Paige Smith](/content/resources/articles/business-finance/self-employed-employee/index.html) \\
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**State Retirement Mandates in 2026: A Current Breakdown by State** \\
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Gusto Editors](/content/resources/states/retirementmandates/index.html) \\
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**17 Employee Benefits That Are Actually Worth the Investment** \\
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Susan Shain](/content/resources/articles/benefits/creative-employee-benefits/index.html) \\
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**How Small Businesses Can Offer Childcare Benefits** \\
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Sarah Hall](/content/resources/articles/benefits/child-care-benefit/index.html) \\
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**April 2026: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/april-2026-compliance-tax-deadlines/index.html) \\
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**March 2026: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/march-2026-compliance-tax-deadlines/index.html) \\
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**March Benefits Brief: Smarter Benefits Renewals and Tax-Wise Benefits Tips** \\
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Leah Brite](/content/blog-support/march-benefits-brief/index.html) \\
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**What is a 1099-R? A Guide to Understanding IRS Form 1099-R for Employers** \\
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Feli Oliveros](/content/resources/articles/taxes/what-is-a-1099-r/index.html) \\
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**What is CalSavers? Your Guide to California’s Retirement Savings Program** \\
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Feli Oliveros](/content/resources/states/california/calsavers/index.html) \\
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**Crime Victim Leave Rights: What Employers Should Know in 2026** \\
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Feli Oliveros](/content/resources/articles/hr/team-management/crime-victim-leave-laws/index.html) \\
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**What’s a 529 Plan? Can I Offer a 529 Plan as an Employee Benefit?** \\
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Matt Mansfield](/content/resources/articles/benefits/529-college-savings-plan/index.html) \\
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**January 2026: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/january-2026-compliance-tax-deadlines/index.html) \\
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**February 2026: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/february-2026-compliance-tax-deadlines/index.html) \\
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**The Complete Guide to Employee Health Benefits for 2026** \\
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Olivia Jones](/content/resources/articles/benefits/employee-health-benefits/index.html) \\
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**18 Employee Benefit Examples to Consider Offering in 2026** \\
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Gusto Editors](/content/resources/articles/benefits/employee-benefit-examples/index.html) [**December Benefits Brief: Smarter Benefits, Made for What’s Next** \\
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Leah Brite](/content/resources/newsletter/december-benefits-brief/index.html) \\
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**December 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/december-2025-compliance-tax-deadlines/index.html) \\
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**Small Businesses Continue to Offer Health Insurance, Despite Soaring Costs** \\
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Tom Bowen](/content/resources/gusto-insights/smbs-continue-to-offer-health-insurance/index.html) \\
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**Can You Allow Employees to Have a Negative PTO Balance?** \\
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Matt Mansfield](/content/resources/articles/benefits/pto/negative-pto-balance/index.html) \\
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**A Simple Guide to Health Insurance Enrollment: How to Select the Right Coverage for You** \\
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Conor Ryan](/content/resources/articles/benefits/health-insurance/choose-health-insurance-employees/index.html) \\
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**November 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/november-2025-compliance-tax-deadlines/index.html) \\
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**What’s California State Disability Insurance (CASDI)?** \\
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Jennifer Keck](/content/resources/articles/payroll/what-casdi/index.html) \\
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**October 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/october-2025-compliance-tax-deadlines/index.html) \\
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**September Benefits Brief: Open Enrollment, Made Easier** \\
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Leah Brite](/content/resources/newsletter/september-benefits-brief/index.html) \\
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**September 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/september-2025-compliance-tax-deadlines/index.html) \\
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**August 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/august-2025-compliance-tax-deadlines/index.html) \\
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**What’s the Difference Between Fully-Insured, Self-Insured, and Level-Funded Health Plans?** \\
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Barbara C. Neff](/content/resources/articles/benefits/self-insured-vs-fully-insured-health-plans/index.html) \\
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**The Employer’s Guide to Vermont’s VT Saves Program** \\
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Christine Porretta](/content/resources/states/vermont/vt-saves/index.html) \\
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**The Employer’s Guide to RetirePath Virginia** \\
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Christine Porretta](/content/resources/states/virginia/retirepathvirginia/index.html) [**The Quarterly Benefits Feature Picks** \\
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Leah Brite](/content/company-news/quarterly-benefits-features/index.html) \\
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**The Employer’s Guide to New York’s Secure Choice Savings Program** \\
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Christine Porretta](/content/resources/states/new-york/secure-choice-savings/index.html) \\
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**July 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/july-2025-compliance-tax-deadlines/index.html) \\
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**June Benefits Brief: Simpler Renewals, More Carriers, and Compliance Help** \\
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Leah Brite](/content/resources/newsletter/june-benefits-brief/index.html) \\
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**What Are Employee Benefits? Your Complete Guide** \\
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Olivia Jones](/content/resources/articles/benefits/what-are-employee-benefits-the-complete-guide/index.html) \\
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**The Employer’s Guide to New Mexico’s Work and Save Act** \\
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Christine Porretta](/content/resources/states/new-mexico/work-and-save-act/index.html) \\
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**June 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/june-2025-compliance-tax-deadlines/index.html) \\
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**The Employer’s Guide to Massachusetts’ CORE Plan** \\
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Christine Porretta](/content/resources/states/massachusetts/coreplan/index.html) \\
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**May 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/may-2025-compliance-tax-deadlines/index.html) \\
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**What is MERIT? Your Guide to Maine’s Retirement Savings Program** \\
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Feli Oliveros](/content/resources/states/maine/merit/index.html) \\
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**What is the Colorado SecureSavings Program?** \\
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Feli Oliveros](/content/resources/states/colorado/securechoice/index.html) \\
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**The Employer’s Guide to Illinois’ Secure Choice Program** \\
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Christine Porretta](/content/resources/states/illinois/securechoice/index.html) \\
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**The Employer’s Guide to the Hawaii Retirement Savings Program** \\
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Christine Porretta](/content/resources/states/hawaii/hawaiiretirementsavings/index.html) \\
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**The Employer’s Guide to Connecticut’s Retirement Savings Program: MyCTSavings** \\
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Christine Porretta](/content/resources/states/connecticut/myctsavings/index.html) \\
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**The Employer’s Guide to the Washington Saves Program** \\
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Christine Porretta](/content/resources/states/washington/washingtonsaves/index.html) \\
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**The Employer’s Guide to MarylandSaves** \\
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Christine Porretta](/content/resources/states/maryland/marylandsaves/index.html) \\
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**April 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/april-2025-compliance-tax-deadlines/index.html) \\
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**March 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/march-2025-compliance-tax-deadlines/index.html) \\
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**The Employer’s Guide to The New Jersey Secure Choice Savings Program** \\
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Christine Porretta](/content/resources/states/new-jersey/secure-choice-savings-program/index.html) \\
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**February 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/february-2025-compliance-tax-deadlines/index.html) \\
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**January 2025: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/january-2025-compliance-tax-deadlines/index.html) \\
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**December 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/december-2024-compliance-tax-deadlines/index.html) \\
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**November 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/november-2024-compliance-tax-deadlines/index.html) \\
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**What is OregonSaves? Guide to Oregon’s Retirement Savings Program** \\
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Feli Oliveros](/content/resources/states/oregon/oregonsaves/index.html) \\
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**October 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/october-2024-compliance-tax-deadlines/index.html) \\
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**September 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/september-2024-compliance-tax-deadlines/index.html) \\
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**August 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/august-2024-compliance-tax-deadlines/index.html) \\
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**When Cybersecurity Leaders Depart: Offboarding Best Practices** \\
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Jeanine Johnson](/content/resources/articles/hr/team-management/offboard-cso-cio/index.html) \\
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**Simplify Benefits Management with Gusto’s Latest Features** \\
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Gusto Editors](/content/resources/articles/benefits/benefits-management-with-gusto-features/index.html) \\
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**How Does Mileage Reimbursement Work?** \\
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Gusto Editors](/content/resources/articles/benefits/mileage-reimbursement/index.html) \\
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**July 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/july-2024-compliance-tax-deadlines/index.html) \\
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**New National Labor Relations Board (NLRB) Joint Employer Rule Explained** \\
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Paulette Stout](/content/resources/articles/hr/team-management/joint-employer-rule/index.html) \\
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**June 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/june-2024-compliance-tax-deadlines/index.html) \\
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**California’s New Paid Sick Leave Law: What Employers Need to Know** \\
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Paulette Stout](/content/resources/articles/hr/team-management/california-sick-leave-law/index.html) \\
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**Tips for Employers to Help Workers Reduce Work from Home (WFH) Burnout** \\
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Paulette Stout](/content/resources/articles/hr/team-management/reduce-wfh-burnout/index.html) \\
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**May 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/may-2024-compliance-tax-deadlines/index.html) \\
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**How Do I Set up a 401(k) for My Small Business?** \\
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Jenna Lee](/content/resources/articles/benefits/401k/how-do-i-set-up-a-401k-for-my-company/index.html) \\
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**12 of the Most Common Employee 401(k) Questions, Answered** \\
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Feli Oliveros](/content/resources/articles/benefits/401k/10-of-the-most-common-employee-401k-questions/index.html) \\
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**How to Create the Best Work From Home (WFH) Office Setup** \\
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Paulette Stout](/content/resources/articles/hr/team-management/best-home-office-setup/index.html) \\
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**April 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/april-2024-compliance-tax-deadlines/index.html) \\
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**Looking to Offer a 401(k)? Here Are the Tax Benefits and Credits You Can Bank On** \\
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Gusto Editors](/content/resources/articles/benefits/401k/401k-tax-benefits-credits/index.html) \\
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**Small Business 401(k) Plans: What to Know as an Employer** \\
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Jamie Wiebe](/content/resources/articles/benefits/401k/401k/index.html) \\
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**March 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/march-2024-compliance-tax-deadlines/index.html) \\
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**February 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/february-2024-compliance-tax-deadlines/index.html) \\
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**January 2024: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/january-2024-compliance-tax-deadlines/index.html) \\
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**The Economy Explained: What to expect in Austin, Texas in 2024** \\
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Tom Bowen](/content/resources/states/texas/economy-explained-austin/index.html) \\
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**All Equity Isn’t Created Equally: How to Explain Equity Compensation to Attract Top Talent** \\
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Brett Wysopal](/content/resources/articles/business-finance/how-to-explain-equity/index.html) \\
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**October 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/october-2023-compliance-tax-deadlines/index.html) \\
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**November 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/november-2023-compliance-tax-deadlines/index.html) \\
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**December 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/december-2023-compliance-tax-deadlines/index.html) \\
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**The Employer’s Guide to Illinois Mandatory Paid Leave** \\
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Kim Porter](/content/resources/articles/benefits/pto/illinois-mandatory-paid-leave/index.html) \\
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**July 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/july-2023-compliance-tax-deadlines/index.html) \\
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**September 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/september-2023-compliance-tax-deadlines/index.html) \\
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**August 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/august-2023-compliance-tax-deadlines/index.html) \\
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**Gusto Survey: More New Businesses Offered Health Insurance Than Flexible Work in 2022** \\
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Caleb Newquist \| CPA (inactive) \| Editor-at-Large, Gusto \| Former Founding Editor, Going Concern](/content/resources/articles/hr/hiring/health-insurance-vs-flexible-work/index.html) \\
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**June 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/june-2023-compliance-tax-deadlines/index.html) \\
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**What Benefits Do New Businesses Provide for Employees?** \\
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Caleb Newquist \| CPA (inactive) \| Editor-at-Large, Gusto \| Former Founding Editor, Going Concern](/content/resources/articles/hr/hiring/new-business-employee-benefits/index.html) \\
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**The Patient-Centered Outcomes Research Institute, Explained** \\
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Isabel Tejada](/content/resources/articles/benefits/health-insurance/pcori-form-720/index.html) \\
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**Can I have an FSA and an HSA at the same time?** \\
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Barbara C. Neff](/content/resources/articles/benefits/health-insurance/fsa-hsa/index.html) [**What’s CalSavers?** \\
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Jamie Wiebe](/content/resources/articles/benefits/retirement/calsavers-retirement-savings/index.html) \\
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**May 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/may-2023-compliance-tax-deadlines/index.html) \\
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**What’s a 409A Valuation and Do I Need One?** \\
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Paige Smith](/content/resources/articles/business-finance/409a-valuation/index.html) \\
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**Employee Retention Bonus: What Is It and How Does It Work?** \\
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Gusto Editors](/content/resources/articles/hr/team-management/retention-bonus/index.html) \\
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**Types of Employee Benefits: An Updated 2023 Guide for Employers** \\
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Olivia Jones](/content/resources/articles/benefits/types-of-employee-benefits/index.html) \\
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**April 2023: The Small Business Owner’s HR, Benefits, Payroll, and Tax Compliance Deadlines** \\
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Paige Smith](/content/resources/articles/taxes/april-2023-compliance-tax-deadlines/index.html) \\
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**When Laying off Employees, Here’s How to Include Equity in Your Severance Packages** \\
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Frederik Mijnhardt](/content/resources/articles/hr/team-management/equity-in-severance-agreement/index.html) \\
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**How to Set Up a Small Business Employee Benefits Program in 2023** \\
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Feli Oliveros](/content/resources/articles/benefits/small-business-employee-benefits/index.html) \\
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**Why Employee Benefits are Important in 2023** \\
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Olivia Jones](/content/resources/articles/benefits/why-employee-benefits-are-important/index.html) \\
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**The 15 Best Employee Benefits to Offer in 2023** \\
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Feli Oliveros](/content/resources/articles/benefits/best-employee-benefits/index.html) \\
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