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.
Take the manual work out of your 401(k)
We do the heavy lifting
Payroll sync
We seamlessly integrate with 50+ 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.
Reporting
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 advice
We recommend a contribution rate and risk setting 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 risk settings. 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
Get StartedWithin 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.