2,700+ FIVE-STAR RATINGS · MOST OF ANY PROVIDER
Bring your small business 401(k) into the modern era.
The 401(k) built for the way you actually work
On G2, Google, and Trustpilot, as of 6/9/26. “Highest-rated” on G2. Client reviews incentivized with non-cash compensation.
Estimate your 401(k) plan costs
Employers may be eligible to receive tax credits up to $16,500 for starting a new 401(k) plan with auto-enroll.2
401(k) plans for small business
Streamline 401(k) retirement benefits for small business
Get an affordable, full-service 401(k). Trusted by 47,000+ businesses.3
Easy to start, easy to use: Admin dashboards provide clear insight into plan participation, reporting, and payroll status without extra manual work.
Automate administration: Recordkeeping, 401(k) plan compliance, Form 5500 filing, and select fiduciary services — all included to eliminate surprises.4
Customize your plan: Flexible plan design — including matching and vesting options — tailored to your business goals.
Humans when you need it, automation when you don't.
Reduce manual work: Integration with 600+ payroll providers keeps employee data in sync and processes contributions automatically.5
Count on customer service: Get dedicated U.S.-based support backed by our Customer Experience Guarantee — if we miss our service standards, you get compensated.6, 7
Give your employees the 401(k) plan they deserve.
Easy onboarding: Employees can sign up in minutes with zero paperwork and no confusion.
Easy-to-navigate dashboard: Participants can check balances, update contribution preferences, and view low-cost investment options at any time.
Built-in education: Interactive webinars and online resources empower employees to confidently save for retirement.
The 401(k) for small businesses with the most payroll integrations6
Help take the burden off your HR team. We sync with 600+ payrolls to help streamline administrative tasks.
(K)ICKSTART EMPLOYEE SAVINGS
The first 401(k) with 3% cash back on contributions7
(k)ickstart® your employees’ retirement with:
3% cash back on employee contributions (min. $100, max. $250), a special perk for those making $60,000 or less per year
Financial education via (k)ickstart® classroom, a free 10-part course featuring bite-sized videos designed for first-time savers
Award-winning customer service, enrollment webinars in Spanish & English, and a mobile-optimized experience
A 401(k) may be more affordable than you think.
Human Interest 401(k) plans come with transparent pricing—and zero transaction fees*.
Monthly pricing starting at only:
base fee
per eligible employee
A one-time setup fee of $499 may apply. A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee's account according to the HII Terms of Service and HIA Terms of Service. All prices are exclusive of applicable taxes. If the plan sponsor elects to hire an external investment advisor, the plan sponsor will pay such advisor as agreed between the plan sponsor and advisor. For more information, please see our pricing page.
* Applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.
Recognized as a leader.
Human Interest is the #1 rated 401(k) software on G28
8. G2’s “Highest Rated 401(k) Software” list ranking as of 10/5/26. Ratings are based on the product’s satisfaction score, which is calculated by a proprietary algorithm that factors in real-user satisfaction ratings from review data. Of the 23 listed 401(k) software products, six products qualified. Human Interest’s overall G2 score is 4.3 out of 5, as of 10/5/26. Ratings fluctuate in real-time. Solicited clients for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. Previously, Human Interest offered gift cards as an incentive for customers to complete reviews. A higher value was offered for non-anonymous testimonials. Read our full disclosures here.
You run your business. We run your plan.
Design your plan
Pick a popular option or customize your own.
Connect your payroll and bank account
Find your payroll provider from our 600+ integrations and link your bank account.
Human Interest handles the rest
Compliance, IRS filings9, co-fiduciary oversight, employee support, and more.