Product Features
Innovations for a modern 401(k).
Explore how Human Interest innovations take the hassle out of managing your company’s 401(k) with best-in-class features.
Setting the new standard for retirement plans
We’re challenging the typical retirement experience from initial launch to on-going service. Plus, our platform automates contributions, eligibility, and compliance to save your team over 75 hours of work every year.1
Customer Experience Guarantee
Trust us to deliver great service or we'll make it right with this first-of-its-kind guarantee.2
Audit Relief®
Reduce the costs and stress of annual audits — so you can free up time to focus on your business.
Price Match Guarantee
Ensure transparent plan pricing with a first-of-its-kind guarantee. We will match the total cost of any verified offer from a competing retirement plan provider.3
(k)ickstart®
(k)ickstart® your employees’ retirement with the first 401(k) with 3% cash back on contributions, up to $250.4
Rollover Concierge®
Find and consolidate past retirement accounts with just a few clicks, providing your employees clarity and control over their financial future.
Zero Transaction Fees
Eliminate hidden transaction fees for you and your employees. We’re revolutionizing 401(k)s to offer predictable and affordable retirement savings for all, including $0 in transaction fees included in our bundled pricing.5
QuickDeposit®
Participants can securely withdraw money from their account fast and without fees, reducing stress and unnecessary expenses.
Tax Savings Maximizer
Receive maximum financial savings with built-in tools that identify tax credits - and remind you where and when to file.
Compliance Monitoring
Get alerts if your plan is at risk of compliance issues and failures that could result in costly penalties.
Employee Data Alerts
Prevent incorrect employee data from pulling your plan out of compliance. Receive proactive alerts to avoid costly penalties.6
Notice Delivery Protection
Remove the burden of physical notice delivery. Let us take on this responsibility for you with paper mail coverage based on your plan size.6
DOL Audit Defense
Prepare your business in case of a DOL audit. Gain peace of mind with up to $50,000 in qualified expense coverage.7
401(k) plans are complex. Let Human Interest guide you.
Get guidance on 401(k) plan administration, IRS testing, and government filings with expertise from Human Interest.
In-house recordkeeping
Automated plan administration tracks participation, contributions, distributions, and more.
Regulatory support
We provide support by preparing select government filings. And for some clients, we sign and file the Form 5500.8
On-demand reporting
Get a 360-degree view of your plan, access reports, and see which employees have joined.
Plan compliance & testing
Don’t stress about IRS testing and regulatory deadlines. We’ll help handle them for you.
A 401(k) may be more affordable than you think.
Human Interest plans come with transparent pricing—and zero transaction fees.*
Monthly pricing starting at only:
base fee
per eligible employee
A one-time setup fee of $499 may apply. A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee's account according to the HII Terms of Service and HIA Terms of Service. All prices are exclusive of applicable taxes. If the plan sponsor elects to hire an external investment advisor, the plan sponsor will pay such advisor as agreed between the plan sponsor and advisor. For more information, please see our pricing page.
* Applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.
BUILT FOR YOU
Flexible, customized retirement plans
We offer Traditional and Roth 401(k)s, 403(b)s, safe harbor plans, and profit-sharing plans — we’ll help you figure out what’s right for you. Employers can customize matching and vesting options at no additional cost.
Low-cost 401(k) with transparent pricing
Sign up for an affordable and easy-to-manage 401(k).