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Human Interest vs. 401go

Human Interest beats 401go.

Your employees deserve a retirement plan tailored to their needs. Human Interest simplifies set up and onboarding, and our flexible, competitively priced options ensure your plan remains a valuable asset as you grow.

1. The displayed ratings are current as of 8/15/25 and reflect Human Interest scores from Better Business Bureau (4.6), Google (4.3), QuickBooks (4.4), G2 (4.3), and TrustRadius (8.7) alongside 401go's scores from G2 (4.8) and Google (3.7). Ratings fluctuate in real-time. Ratings are primarily based on client testimonials, which are unique to individual experiences and may not represent typical results. Past success does not guarantee future performance. Human Interest actively solicited reviews across these platforms and offered nominal non-cash compensation. Human Interest offered nominal cash compensation (gift cards) for reviews on G2 (8/23/22-12/31/22), with a higher value for non-anonymous testimonials. While BBB reviews were solicited, no compensation was provided. Solicitation and compensation can influence reviews favorably. BBB ratings are determined by factors beyond customer reviews. For detailed methodologies and full disclosures, please see our full disclosures.

See how we compare to 401go

Don't let your 401(k) responsibilities become another job.

What sets us apart

A modern 401(k) that makes retirement planning simple

  • A flexible plan you won’t outgrow: Customize eligibility, matching, and profit sharing, with the ability to change it at no additional cost.

  • Clear, upfront pricing: Human Interest eliminated 30+ transaction fees typically charged by 401(k) providers.8 Plus, Human Interest Advisors' model portfolios are built with low-cost funds across a wide range of asset classes.12

  • Award-winning customer service: When you or your employees need support, our 250+ US-based specialists are standing by—99.6% of customer calls are answered in 3 minutes or less.

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Why 40,000+ businesses choose us

Human Interest solicited clients for testimonials in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation will make a client more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. Read our full disclosures here.

Launch your Human Interest 401(k) plan

Give your team the retirement they deserve and the edge your business needs.

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Disclosures

  1. 1

    The displayed ratings are current as of 8/15/25 and reflect Human Interest scores from Better Business Bureau (4.6), Google (4.3), QuickBooks (4.4), G2 (4.3), and TrustRadius (8.7) alongside 401GO's scores from G2 (4.8) and Google (3.7). Ratings fluctuate in real-time. Ratings are primarily based on client testimonials, which are unique to individual experiences and may not represent typical results. Past success does not guarantee future performance. Human Interest actively solicited reviews across these platforms and offered nominal non-cash compensation. Human Interest offered nominal cash compensation (gift cards) for reviews on G2 (3/3/25-3/28/25), with a higher value for non-anonymous testimonials. While BBB reviews were solicited, no compensation was provided. Solicitation and compensation can influence reviews favorably. BBB ratings are determined by factors beyond customer reviews. For detailed methodologies and full disclosures, please see our full disclosures.

  2. 2

    Human Interest internal calculations as of 9/25/24.

  3. 3

    401GO does not publish a guaranteed response time; ‘same-day’ is solely from a verbal statement by a representative.

  5. 5

    3% cash back is available to eligible individuals making the median household income of $60,000 or less in gross income and contributing at least 8% of every paycheck to an eligible Human Interest plan over a 12-month period. Must submit a claim form to claim the award. Minimum award is $100 and max is $250. Additional requirements apply. See terms and conditions. This program is administered and offered by Human Interest, and Human Interest’s asset-based fees will increase if you participate in this program. If Human Interest’s wholly owned subsidiary and registered investment adviser, Human Interest Advisors LLC (“HIA”), provides services to the Plan, HIA’s asset-based fees will also increase if you participate in this program.

  6. 6

    3(21) clients can select from a universe of over 3,000 funds, while 3(38) clients are limited to the funds available on our 3(38) fund menu.

  7. 7

    “401(k) Investment Funds.” 401go.com/resources/401k-investment-lineup.

  8. 8

    Applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.

  10. 10

    “401(k) Pricing, Costs & Fees.” 401go.com/401k-pricing.

  11. 11

    This does not apply to expenses related to the required annual financial audit for large plans.

  12. 12

    Model Portfolios are available to plans that select Human Interest Advisors (HIA) as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on HIA's investment advisory services, please visit https://humaninterest.com/hia/.