![]() Health savings account (HSA): $2.50 per participant, per month.529 college savings: $6 per participant, per month (with an $18 monthly minimum).Commuter benefits: $4 per participant, per month (with a $20 monthly minimum).Retirement plans: Starts at $49 monthly, plus $8 per participating employee.You also have to pay participation fees for the following: Add-on costs: Gusto doesn’t charge administration fees for its health insurance and pay-as-you-go workers’ compensation plans, but you have to pay the applicable premium costs.Contractor-only plan: If you have only contractors in your workforce, Gusto lets you process payroll for them for $6 per person, per month.It also has a Complete tier ($39 plus $12 per employee monthly) and a Concierge option ($149 plus $12 per employee monthly) that include additional features like time tracking, next-day direct deposits, and access to certified HR experts. Software fees: Gusto offers a Core plan ($39 plus $6 per employee monthly) that comes with unlimited pay runs, wage garnishments, benefits administration, automated payroll taxes, paid time off (PTO) tracking, and new hire reporting. ![]() We also recommend it to those looking for the best HR payroll software and contractor payroll services. It’s our top choice for small business payroll software. Gusto’s affordability and solid payroll tools are just some of the reasons it ranks well in our buyer’s guides.
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