Human Interest offers a low-cost, full-service 401(k) to small and medium sized businesses.

Sign up

Complete company registration and other preliminary steps, such as establish an ACH connection to payroll.

Customize your plan

Work with your implementation manager to design your company’s plan, review and sign IRS plan documents, as well as review and approve census data.

Employees launch individual Human Interest accounts

Human Interest will send an email to your employees asking them to sign up. Employees can find details about the plan, check balances, set up contributions, initiate rollovers, take advantage of built-in investing. They’re now building their financial future.

Ongoing support

Your dedicated account management team will be there to support you along the way, including setup and with every employee change. You can reach us by phone or email for support.

In just a few minutes, you can offer a 401(k) plan to your employees

401(k)s aren’t expensive anymore

What do employers pay?

$120 per month base fee + $4 per employee per month.

What do employees pay?

0.50% of account balance per year + 0.07% average fund fees.

Low-cost, high-service 401(k) provider

We can offer a retirement savings plan for less than the cost of a single employee’s health insurance.

Rest assured that we have your financial security and privacy top of mind

Human Interest was founded to help address the #1 financial concern for Americans: not having enough money for retirement.

With Human Interest, you get a 401(k) that’s…


Our plans are easy to start and even easier to use. Sign up in just a few minutes.


Our plans come with transparent pricing. Plan costs $120 per month + $4 per eligible employee, with a $499 setup fee.


Administrative aspects, like enrollment, payroll sync, and compliance are streamlined or automated.


A dedicated account management team will oversee the set-up process and support your plan administrator, as well as employees.