Gusto is a cloud-based HR and payroll platform designed for small and medium-sized businesses. Core products include payroll processing (all 50 US states), benefits administration (health insurance, 401k, workers' comp), employee onboarding, time tracking, and HR compliance. Gusto serves 400K+ employer customers ranging from 1-person shops to mid-sized businesses with hundreds of employees. The platform is known for its intuitive UX and competes with Rippling, ADP, Paychex, and QuickBooks Payroll. Gusto expanded significantly into benefits administration — acting as an insurance broker for health plans and 401k providers — which provides high-margin revenue on top of the core payroll subscription. Founded by Josh Reeves, Tomer London, and Eugene Svis in 2011 in San Francisco, Gusto has raised over $1.1B from Sequoia, General Catalyst, Y Combinator, and others.