401(k) for small business
Bring your 401(k) into the modern era.
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.1
401(k) plans for small business
Streamline 401(k) retirement benefits for business
Get an affordable, full-service 401(k). Trusted by 40,000+ SMBs.
Easy to start, easy to use: Admin dashboards provide insight into plan participation, reporting, and more.
Automate administration: Recordkeeping, 401(k) plan compliance, and select fiduciary services—all included.2
Customize your plan: Flexible plan design—including matching and vesting options—to meet your needs.
Humans when you need it, automation when you don't.
Reduce manual work: Integration with 500+ payroll providers streamlines essential tasks.
Award-winning customer service: When you or your employees need support, our US-based specialists are standing by.
Give your employees the 401(k) they deserve.
Easy onboarding: Employees can sign up in minutes—no paperwork, no confusion.
Easy-to-navigate dashboard: Employees can quickly check balances and update preferences.
Built-in education: Enrollment webinars and online resources help employees get the most from plans.
The SMB 401(k) with the most payroll integrations3
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 contributions4
(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 G25
5. G2’s “Highest Rated 401(k) Software” list ranking as of 7/24/26. 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 7/24/26. 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.
Start your 401(k) in as little as 10 minutes
1
Provide your information
Enter basic details
2
Customize your plan
Choose from flexible designs
3
Launch your 401(k) plan
We'll connect & launch your plan