ERISA & 401(k) Compliance Specialist

Gusto, Inc.; Denver (CO); Hybrid; USD 67,000 - 83,000; Full time

Job summary

Gusto, Inc. is seeking a Retirement Compliance Specialist to serve as the ERISA subject-matter expert within Retirement Services.

You will ensure 401(k) plan administration stays compliant, translate complex plan provisions into actionable guidance for Sales, Conversion Ops, and Customer Experience, and lead quality assurance in plan reviews. You’ll partner with Legal & Compliance on high-risk changes, develop internal training, and drive AI-enabled improvements to speed up reviews while

Qualifications

• 3–5 years of experience in 401(k)/defined contribution plan administration, compliance, or ERISA
• Strong working knowledge of IRS and ERISA regulations governing retirement plans, including eligibility, testing, and corrections
• Experience reviewing plan documents (Adoption Agreements, plan provisions) and translating them into operational guidance
• Comfort partnering cross-functionally with Sales, Conversion Ops, and Legal & Compliance on ambiguous, escalated issues
• Strong written and verbal communication skills — able to distill complex ERISA concepts for audiences without a compliance background
• Experience building training materials or documentation for non-specialist teams
• AI literacy: comfortable using and helping refine AI-assisted tools for plan review and setup
• Exceptional attention to detail and organizational skills, even under deadline pressure
• Professional designations such as QKA, QPA, CRPS, or C(k)P are a plus, but not required.

Responsibilities

• Serve as the ERISA/compliance escalation point for Conversion Ops and Sales on complex plan provisions, eligibility questions, and Adoption Agreement interpretation
• Own end-to-end quality assurance for the plan review process — validating each build against the signed Adoption Agreement, and developing the internal tooling and business rules that support the review process at scale
• Conduct plan reviews for new and converting 401(k) plans, translating complex legal plan documents into clear, accurate guidance for internal teams and customers
• Build and deliver internal training and reference materials so Conversion Ops, Sales, and Customer Experience teams can handle routine plan questions independently
• Partner with Legal & Compliance on regulatory interpretation and sign-off for higher-risk plan changes
• Identify and champion opportunities to use AI tools and automation to reduce manual review time while strengthening accuracy across plan setup and compliance workflows

Skills

ERISA compliance

401(k) plan administration

Regulatory knowledge

Cross-functional collaboration

Training materials creation

AI literacy

Attention to detail

Job description

Gusto, Inc. is seeking a Retirement Compliance Specialist to serve as the ERISA subject-matter expert within Retirement Services.

You will ensure 401(k) plan administration stays compliant, translate complex plan provisions into actionable guidance for Sales, Conversion Ops, and Customer Experience, and lead quality assurance in plan reviews. You’ll partner with Legal & Compliance on high-risk changes, develop internal training, and drive AI-enabled improvements to speed up reviews while