Disclosures

Last updated: May 28, 2026

The following disclosures apply only to Human Interest Inc. and its recordkeeping services. For disclosures relating to Human Interest Advisors LLC’s investment advisory services, click here.

General disclosure

Human Interest Inc. is an affordable, full-service 401(k) and 403(b) provider that seeks to make it easy for small and medium-sized businesses to assist their employees with investing for retirement. For more information, please visit humaninterest.com.

This content has been prepared for informational purposes only, and should not be construed as tax, legal, or individualized investment advice. Neither Human Interest Inc., nor Human Interest Advisors LLC, provides tax or legal advice. Consult an appropriate professional regarding your situation. The views expressed are subject to change. In the event third-party data and/or statistics are used, they have been obtained from sources believed to be reliable; however, we cannot guarantee their accuracy or completeness. Investing involves risk, including risk of loss. Past performance does not guarantee future results.

Fee disclosures

For information about Human Interest’s pricing, please refer to our Pricing Page, which describes the fees charged for administrative services.

Disclosures about relationships, endorsements, and testimonials

Human Interest maintains relationships with plan sponsors, participants, and third parties who have an economic relationship with Human Interest. From time to time, they may make statements or provide information about Human Interest and may have received non-cash compensation or gift cards from Human Interest in exchange for providing such statements or information. From time to time, Human Interest may also provide information about its services and products which are created or supplemented, in whole or in part, using the statements or information that have been provided by one or more current customers or other third parties and which are used to solicit or refer potential customers to Human Interest or otherwise indicate approval, support, or recommendation of, or describe the experience with, Human Interest. When considering these statements and information, and when evaluating Human Interest’s advertising, products, and services, you should be aware that the relationship creates a conflict of interest which creates an incentive for the statements or information to be presented in a fashion that is favorable to Human Interest.

Any non-cash compensation arrangements are of a de minimis nature in the form of small gifts, tchotchkes, or other tokens of appreciation. Any gift cards are nominal in value. The cost of these incentives are paid directly by Human Interest and be charged to any of Human Interest’s customers. Human Interest expects the good faith value of these items to remain below $250 on a rolling 12-month basis per entity.

Human Interest may also request and receive approval from certain customers for use of the customer’s logo and/or other intellectual property, hyperlinks, or other shared content. The use of this information creates a conflict of interest because the customer may approve such use to help portray Human Interest in a favorable light in order to receive or enhance beneficial treatment in the relationship.

Human Interest asks customers to place reviews, positive or negative, on certain third-party websites. While comments are not approved by Human Interest and are subject to the terms of those sites, an actively solicited testimonial creates a conflict of interest as it can encourage a customer to provide a review that speaks favorably of Human Interest or recommend a product or service of Human Interest. Additionally, Human Interest previously offered, on certain review platforms, a small gift card of a de minimis nature, in exchange for a written review, whether positive or negative. This creates a conflict of interest because the customer is financially incentivized to leave a positive review of Human Interest’s products and services. Below is a list of the review platforms Human Interest maintains a presence where reviews were solicited.

Human Interest third-party endorsements

Human Interest has the most 5-star reviews compared to other top 401(k) providers. This comparison is based on reviews of Human Interest from G2, Google, and BBB as of 05/2026, as compared to reviews on the same sites for Betterment, Guideline, Empower, Vestwell, ForUsAll, and Ubiquity. This determination is based on Human Interest’s analysis of publicly available data and ratings may fluctuate in real-time. Human Interest solicited clients for reviews on BBB, with no compensation provided. Human Interest solicited clients for reviews on Google and G2 in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer 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. Previously, Human Interest offered de-minimis cash compensation as an incentive for customers to complete reviews. A higher value was offered for non-anonymous testimonials. Read our full disclosures here.

G2's Top Rated 401(k) Provider

The G2 Grid^® maps qualifying companies into quadrants based on User Satisfaction rating and a Market Presence score that considers G2 user review data and online sources, including, among other criteria, the company’s social and web presence. To be included, a product must have 10 or more G2 reviews in its category. As of 5/6/26, of the 23 listed products, six products qualified. Solicited clients for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer 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. Previously, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher value was offered for non-anonymous testimonials. G2 Grid is updated daily. Click here for full methodology and here for most recent rating. Read our full disclosures here.

Google

Human Interest solicited clients for Google reviews in exchange for nominal non-cash compensation from 10/3/23-10/16/23. Rating primarily based on client testimonials. Testimonials may not be representative of the experience of others, and past success does not guarantee future results. Clients solicited for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer more likely to portray Human Interest favorably. Read our full disclosures here.

TrustRadius

From August 23, 2022 to December 31, 2022, Human Interest offered gift cards as an incentive for customers to complete reviews. Please visit this page to view our most recent overall rating and reviews.

Better Business Bureau^® (“BBB”)

BBB customer review rating of 4.56 as of 5/6/26. Clients solicited to provide reviews. No compensation provided. Solicitation may make a customer more likely to portray Human Interest favorably. Read our full disclosures here.

Referral arrangements

Solicitation information provided by third parties may, in addition to the type of de minimis relationship noted above, involve direct cash compensation which is paid to third parties who have an agreement with Human Interest to refer 401(k) plan recordkeeping business opportunities (“Referring Partner”). While a Referring Partner and its representatives are not affiliated with or employed by Human Interest, the agreement may provide for the Referring Partner to receive either fees that are a percentage of Human Interest’s recordkeeping/administrative fees or a flat fee per qualified referral (collectively, “Referral Fees”). The cost of incentives and Referral Fees are paid directly by Human Interest and are not charged to any of Human Interest’s customers or their plan assets. The Referring Partner, in introducing and/or recommending Human Interest’s recordkeeping services to customers, has a conflict of interest with regard to both its relationship with Human Interest and with regard to the Referral Fees or incentives that the Referring Partner or its representatives may receive in connection with making such introductions and/or recommendations. The Referring Partner and Human Interest may also utilize an integrated technology platform that facilitates the sharing of employee/participant information for payroll and employee benefit plan processing.

In addition, there are situations where a third party advisor that provides investment advisory services can refer customers to Human Interest and Human Interest will facilitate payments to the third-party advisor from plan assets as directed by the plan. Such third-party advisor fees are separately negotiated between the third party advisor and the plan.

Human Interest may provide lists of prospective professional firms and their services, including accounting firms. Human Interest makes no representation as to the competence of any accountants or firms on the lists, and by providing the lists to you, Human Interest does not recommend or endorse any of the firms on the lists. We simply are providing the lists as a resource. You are responsible for evaluating your provider. Human Interest does not receive any compensation or other benefit by providing the lists.

Accolades

Recognized by J.D. Power for “Outstanding Customer Service Experience” for Phone Support: J.D. Power 2025 Certified Customer Service Program^SM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards.
2025 Silver Stevie Award: Customer Service Department of the Year - Financial Services: Human Interest was awarded the "Silver Stevie Award" medal in the 2025 American Business Awards^Ⓡ for "Achievement in Customer Service." Winners were determined by the average scores of more than 250 professionals worldwide in the three-month judging process. Read more about the winning organizations: http://stevieawards.com/aba/2023-stevie-award-winners and criteria for the award here: https://stevieawards.com/aba/judging-awards-process. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.
Forbes 2026 Fintech 50: Human Interest was selected as an honoree on the 11th annual Forbes Fintech 50 list, which recognizes top private companies that are improving the efficiency of and people’s access to financial services. The 2026 list was based on several criteria, including sales and customer growth, product innovation, leadership team diversity, and other factors. For more information and to view the full list, visit www.forbes.com/lists/fintech50.
Dalbar 2025 Plan Participant Service Award: Human Interest received the Dalbar Plan Participant Service award in April 2025. The award was based on an independent review of 100 phone calls to the Human Interest Support Center. The calls happened on days randomly selected by Dalbar. Human Interest redacted personally identifiable information from call recordings. For additional information on the award, please visit https://www.dalbar.com/dalbar_awards.