401(k) questions? We can help.

Employers/Plan Administrators can start a plan in as little as 15 minutes on the web. We send all documents electronically for approval and eSigning.

$120 per month base fee + $4 per employee per month. For more information on pricing.

Need help? Schedule a call with us here.

1. Sales:

   To reach our dedicated sales team immediately, you can call us Monday-Friday, 6am to 5pm PT / 9am to 8pm ET at 877 475-0179

2. Support:

    For any other questions, please email us at [email protected]

With Human Interest, Employers and Employees have access to funds from every major asset class and risk category, including those from Vanguard, Charles Schwab, BlackRock, Fidelity, and many more. You can find our full line-up here.

Human Interest offers automated investment advice that recommends a portfolio based on each individual's responses to a series of questions. Employees who want more flexibility can choose and manage their own funds. The choice is theirs.

Our digital advice solution allows employees to diversify globally, rebalance automatically, and avoid hidden fees.

Businesses starting a 401(k) or other reitrement plan may be eligible for tax credits including:

• The Retirement Plans Startup Costs Tax Credit, which allows eligible employers to claim 50% of their ordinary and necessary startup costs up to $5,000 per year for up to three years. Employers may choose to start claiming the credit in the tax year before the tax year in which the plan becomes effective.

• Expenses incurred by employers to educate employees about the plan are also 

  .

For more information on tax credits for businesses that offer a 401(k).

Outside of the tax deductions given to employers for making contributions to their employees’ retirement accounts, the employer match is a powerful recruiting tool to attract top talent.

Matching employer contributions, especially safe harbor matches, ensure employers are complying with IRS and less likely to fail non-discrimination testing.

No, employers are not required to provide a match, though many do! Matching can be a powerful incentive for employees and there are major tax incentives for employers that offer a match.

For more information.

A safe harbor 401(k) plan is a type of tax-deductible 401(k) plan that ensures all employees at a company have some set of minimum contributions made to their individual 401(k) plans, regardless of their title, compensation, or length of service. Employers make annual contributions on behalf of their employees without a vesting period.

There are three different “types” of safe harbor 401(k) plans, and two of them also have employer match programs. For more information.

We make it easy for employees to save. The majority of employees choose to save for retirement with a Human Interest 401(k).

We hear from our SMB customers just how important it is to find a retirement savings plan that works for them and their employees. Here are some of the top features of a plan they’re looking for.

A plan that…

• Is easy to use for both employees and employers;

• Has clear and affordable pricing;

• Comes with tools to help guide employees, ranging from trustworthy investment advice to financial wellness education to customer support;

• Does NOT add to the administrative burden for the employer (including the ability to sync with payroll, help with compliance or employee notification, etc.);

• Has flexible plan design, including giving employers the ability to set vesting schedules, matching options, and more;

• Has the ability of the plan to scale with a company’s growth;

• Will help employees save for the future; and

• Will help the employer compete for and retain talent.