How it Works

An affordable, full-service 401(k).

We sync to your payroll and handle recordkeeping and compliance so you don’t have to.

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Take the manual work out of your 401(k)

We do the heavy lifting

Payroll sync

We seamlessly integrate with 300+ payrolls to eliminate the burden of processing employee contributions.

Administrative compliance

Never worry about IRS or DOL reporting or compliance – we can handle all of that for you.

Investment management

We help you choose low-cost, diversified funds for your company’s plan (self-directed options are also available).

IRS documents

We prepare, sign, and file your IRS forms so you don’t have to deal with the paperwork or liability associated with missed requirements.


Get a 360-degree view of the plan from the admin dashboard, view reports, and see which employees have joined.

Easy onboarding

Employees can sign up within minutes – no paperwork, no confusion.

Built-in education

We recommend a contribution rate and investment portfolio based on each employee’s circumstances and offer nudges that drive better decisions. See our investment philosophy.

Automated portfolio management

We put your funds in a diversified, low-cost portfolio and rebalance quarterly. Employees who want more flexibility can choose and manage their own funds.

Easy to navigate interface

Employees can easily check their balance, change contributions, and update portfolio preferences. It’s so easy, we see 2x the industry average participation rate.1

Ongoing support

We’ll be here to support you along the way. You and your employees can email or call us anytime with questions.

Help your employees save for the future

401(k)s aren’t expensive anymore

You can offer retirement benefits for less than the cost of one employee’s health insurance.2

Within minutes, you can offer a 401(k) to your employees

Sign up & 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 open their account. Our simple onboarding process makes it easy to start saving in a matter of minutes.

Ongoing support

We’ll be here to support you along the way. You and your employees can email or call us anytime with questions.



Bureau of Labor Services; Employee Benefits in the United States, March 2020. Human Interest; Participant Data 2021."