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Human Interest vs Guideline

Human Interest beats Guideline.

Your employees deserve more than a one-size-fits-all 401(k). Human Interest makes it easy to start the right plan. And as your business grows, our flexible plans and competitive pricing help ensure your 401(k) is an asset, not a burden.

1. The displayed ratings are current as of 8/15/25 and reflect Human Interest scores from Better Business Bureau (4.6/A+), Google (4.3), QuickBooks (4.4), and G2 (4.3), alongside Guideline's scores from Better Business Bureau (1.0/NR), Google (3.9), QuickBooks (3.8), and G2 (4.5). 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.

See how we compare: Don't let your 401(k) responsibilities become another job

What sets us apart

A modern 401(k) that makes retirement planning simple

  • Start a flexible plan you won’t outgrow:  Customize eligibility, matching, and profit sharing). Plus, change it at any time at no additional cost.

  • Clear, upfront pricing for both employers and employees: 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.11

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

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Why 40,000+ businesses trust us12

Testimonials may be solicited for nominal non-cash compensation. Active solicitation and non-cash compensation makes 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.

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/A+), Google (4.3), QuickBooks (4.4), and G2 (4.3), alongside Guideline's scores from Better Business Bureau (1.0/NR), Google (3.9), QuickBooks (3.8), and G2 (4.5). 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

    Guideline’s website indicates this time is based on “internal statistics as of 12/2023”.

  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.https://www.guideline.com/funds

  8. 8

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

  9. 9

    3(16) fiduciary services reserved for Concierge & Complete pricing plans. Subject to our Terms of Service.

  10. 10

    401(k) Pricing, Costs & Fees. https://guideline.com/pricing

  11. 11

    Investment Advisory services are provided through Human Interest Advisors LLC, a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit http://www.humaninterest.com/hia/.

  12. 12

    As of October 2025