401(k) retirement plans for restaurants
Help your team prepare for retirement with a 401(k) plan.
Get a customized retirement plan for both full-time and part-time food and beverage industry employees.


Plans built for restaurant owners
Focus on running your restaurant. Not your 401(k) plan.
Customizable 401(k) plans. Flexible plan design allows you to set eligibility and add employer match options.
Comprehensive payroll integration. We integrate with more than 400+ payroll providers.
Drive employee loyalty. A Human Interest study found that a retirement plan is the most-wanted benefit, after health insurance.1

HELP Your Team SAVE FOR THE FUTURE
Give your employees the retirement benefit they deserve.
Sign up in minutes. Employees can sign up online—or on their phones—in less than five minutes.
Flexible investment options. Employees can choose model portfolios that automatically rebalance—or build their own lineup.
Built-in education. Enrollment webinars and online resources help your team get the most from plans.
We simplify administrative and regulatory compliance.
Experts at Human Interest can make restaurant retirement plan
recordkeeping and compliance easier.
In-house recordkeeping
Automated plan administration tracks participation, contributions, distributions, and more.
Regulatory support
We reduce fiduciary liability by preparing select government filings. And for some clients, we sign and file the Form 5500.2
On-demand reporting
Get a 360-degree view of your plan, access reports, and see which employees have joined.
Plan compliance & training
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
Employee fee: In the event that the plan sponsor elects to use Human Interest Advisors’ advisory services, an advisory Fee of 0.50% of plan assets per year is billed to the plan and allocated to the employee’s account. In addition, employees pay underlying fund fees. If the plan sponsor wants to bring in a third-party advisor, the third-party advisor fee would be defined as part of a separate agreement. For more information, please see our pricing page.
The SMB 401(k) with the most payroll integrations3
Help take the burden off your HR team. We sync with 450+ payrolls to help streamline administrative tasks.
Having Sexy Pizza provide access to a 401(k) plan made a big difference in deciding where I wanted to work. Most employers don't offer this benefit, so having it makes me feel valued as an employee, and that Sexy Pizza truly cares about my long-term financial security and well-being.

Jacob Wyatt
Shift Lead at Sexy Pizza
Human Interest solicited clients for testimonials. Active solicitation may make a customer more likely to portray Human Interest favorably. Testimonials are unique to an individual, may not be representative of the experience of others, and past success does not guarantee future results.
Maximize tax savings for your restaurant
Earn up to $5,000 per year in tax credits when you set up a 401(k).
Restaurant owners may be eligible for tax credits of up to $5,000/year for three years for setting up a new 401(k) + $500/year for three years for setting up auto-enrollment.4
Clear, affordable pricing
Customized 401(k) and 403(b) retirement plans start at $120 per month + $4 per employee per month.
Get Started401(k) resources
for restaurant owners
401(k) for restaurants
How retirement plans can help your restaurant, bar, or quick-service establishment.
Starting a 401(k) plan
Discover how small business owners can start and manage a 401(k) plan, boosting savings and attracting talent.
Integrating payroll with 401(k)
Save time and reduce headaches by integrating your payroll & 401(k).