401(k) (Vestwell)

What is Vestwell?

Vestwell is a digital retirement platform that provides 401(k) plans designed specifically for small and medium-sized businesses. Vestwell offers automated plan administration, fiduciary support, and employee engagement tools to help businesses provide competitive retirement benefits while minimizing administrative burden.

Vestwell's platform integrates seamlessly with your payroll system to automatically sync employee data, contributions, and deductions, making 401(k) administration simple and efficient for employers.

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How to demo this flow

If you would like to try out the Vestwell flow, please contact your partner support team.

Launch a Vestwell flow

For onboarded companies, you can generate a link for employer payroll admins to access Vestwell by using our pre-built flows. Use the company_retirement_benefits value for the flow_type body parameter when calling the POST companies/{company_uuid}/flows endpoint.

When creating the flow, you must include the "provider": "vestwell" as an option:

curl --request POST \
--url https://api.gusto-demo.com/v1/companies/company_uuid/flows \
--header 'accept: application/json' \
--header 'content-type: application/json' \
--data '{
  "flow_type": "company_retirement_benefits",
  "options": {
    "provider": "vestwell"
  }
}'

Employer view

1. Connect to Vestwell

After the flow has launched, you'll see options to either connect an existing Vestwell account or set up a new 401(k) plan. The Vestwell integration provides a streamlined connection process:

1. Existing account: If your company already has a Vestwell account, clicking Connect will verify your company EIN in the Vestwell system and connect the account to Gusto.
2. New account: If you don't have an existing Vestwell account, you'll be directed to sign up for a new account

2. Authenticate your account

After you click Connect, Vestwell will:

1. Verify your company's account status
2. Establish secure access to sync payroll data

Vestwell account setup (New customers)

Employers who don’t already have a Vestwell account will need to sign up for Vestwell before establishing a connection.

Manage your 401(k) (Existing customers)

If you already have a Vestwell account, you should manage your 401(k) plan directly in the Vestwell experience, which is accessible via the flow.

Employee onboarding

Employee benefits for new employees are created once an eligible employee has elected contributions through Vestwell's employee portal.

• Employees receive access to Vestwell's self-service portal for enrollment
• Contribution elections are automatically synced to Gusto Embedded
• Any contribution updates made after initial creation will be reflected in Gusto through daily API synchronization

No additional manual intervention is required by the payroll admin.

Disconnecting from Vestwell

If you need to disconnect your Vestwell integration:

1. Access the same flow URL used for initial setup
2. Click Disconnect in the connected state
3. Confirm the disconnection when prompted

After disconnection, Vestwell will no longer have access to sync payroll data. Existing benefit configurations will remain in your system but won't update automatically.

You can reconnect at any time.

Companies ending service

If a company ends their service with Vestwell, their benefits will automatically be updated in Gusto Embedded after Vestwell's final synchronization.

After a plan has ended services with Vestwell and completed their final payroll on the plan, Vestwell will deactivate benefits through their API integration.

No additional manual intervention is required by the payroll admin.