401(k) Provider Comparison Guide

Running your business takes enough of your time—managing your 401(k) shouldn't feel like a second job. Legacy retirement providers frequently leave employers stranded with manual payroll uploads, surprise transaction fees, and unmanaged fiduciary risks.

This comparison guide equips you with the essential questions to evaluate prospective vendors across five core benchmarks, demonstrating how Human Interest handles the administrative heavy lifting while keeping costs transparent and predictable.

Key Evaluation Benchmarks

• Don't take on a second job: Your provider should handle the work of running your plan, not you.
• Don’t pay extra to comply: Required annual testing, filings, notices and audits shouldn't land on you or come with added fees.¹
• Count on customer service: Dedicated US-based customer service held to measurable standards, or you get compensated.²
• Offer a plan you're proud of: Prioritize low cost strategies. Lower earners get at least 3% cash back on contributions.³
• Get simple, predictable pricing: Flat monthly fees to run your plan.⁴ If a comparable plan costs less, that price should be matched.⁵