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A NEW INDUSTRY STANDARD

Introducing the Human Interest Compliance Guarantee.

We’re raising the bar for the retirement industry. Again. With our Compliance Guarantee, we promise to meet key compliance timelines, monitor your plan and predict testing outcomes. Get true peace of mind that your plan’s compliance requirements are handled with less stress and surprises for you.


Terms and conditions apply. See if your plan qualifies.

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Moving beyond reactive compliance

Compliance is often treated as a point-in-time stressor—a scramble to meet deadlines or deal with unexpected filings. Roughly 30% of non-safe harbor 401(k) plans fail at least one required nondiscrimination test each year, making the traditional reactive approach outdated1. We’re changing the industry standard. We aren't just here to process your plan; we’re here to provide the ongoing, proactive administration necessary to help keep your plan on track and alert you of changes.

The commitment: Our 'no surprise' guarantee

If we don’t deliver the service you deserve, we make it right. Our commitment includes:2

Annual form 5500 filing

Guaranteed on-time filing delivery for 3(16) customers and at least 30 days ahead of the deadline for Non-3(16) customers.

Annual compliance testing

Guaranteed on-time delivery of mandatory annual testing (ADP, ACP, Top Heavy, 402(g), and more).

Large plan audits

Reliable audit package delivery by 5/1, plus access to auditors through our Audit Relief marketplace.

AI powered Predictive Compliance Monitoring

Monthly updates on your plan’s compliance status for key tests, keeping you informed through the year rather than surprised at the end.

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How it works: The promise

Administer

We handle the complex compliance work throughout the year.

Monitor

Using Predictive Compliance Monitoring, we project your plan's testing results throughout the year, so you can see risk coming while there's still time to act.

Guarantee

If we miss a commitment for an eligible plan, we will issue a credit to the plan for $10,000.2


Resolution: If we miss a promise

The process:

Step 1

Submit a request and all supporting information through the Customer Support Center.

Step 2

Our team reviews the claim and ensures resolution within the scope of the guarantee.

Step 3

We’ll resolve the claim and issue compensation if all terms are met.


Setting the new standard for retirement plans

Get peace of mind for your business. A 401(k) that works for you, not against you.

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Notes

1

The ADP and ACP Tests - What You Need to Know. Employee Fiduciary, January 2025. https://www.employeefiduciary.com/blog/401k-nondiscrimination-testing-study

2

See full terms and conditions. Annual Compliance Testing and Large Plan Audit Package are available on the Concierge package only; the Form 5500 commitment applies to both 3(16) and Non-3(16) customers. Predictive Compliance Monitoring shows projected results for Top Heavy, ADP, and ACP, refreshed monthly; these are estimates to help you plan and may not match your year end results. For Annual Compliance Testing, the credit applies only if a late delivery by Human Interest causes the plan to miss the applicable deadline and, as a result, the plan incurs an excise tax reported on a filed IRS Form 5330. The benefit is a single $10,000 credit to the plan's ERISA spending account, once per plan for the life of the plan. It does not limit any right you have under ERISA or applicable law. No outcome guarantee: Human Interest cannot guarantee that a plan will never fail a compliance test or avoid a corrective contribution/distribution, excise tax, or penalty, as failure can sometimes be a byproduct of specific tax or savings strategies. Responsibility: To qualify, you must provide complete, accurate, and timely data and take any corrective action needed. Additional requirements apply.