Don’t let the state decide your clients’ retirement.
Have them take control with a Human Interest 401(k).
By December 31, 2025, California employers with one or more employees must offer a retirement plan.
Reach out to your Account Manager to learn more or email [email protected]!
Not a partner? Click here.
The mandate vs. Human Interest
Letting your clients settle for the bare minimum is not beneficial!
CalSavers: Meeting the minimum
California employers are mandated to offer a retirement savings plan. CalSavers is the state-sponsored option, designed to meet the basic requirements. But is "basic" enough?
CalSavers: Meeting the minimum
Limited investment options: A handful of predetermined funds.
Limited plan types: Primarily focuses on Roth IRA accounts.
No employer contributions: Employers cannot contribute to employee accounts.
Less customization: One-size-fits-all approach.
Human Interest: Going beyond just compliance
Extensive investment choice: Human Interest's subsidiary and registered investment advisor, Human Interest Advisors (HIA), offers employers access to a wide range of diversified funds, including target-date funds, CITs, and mutual funds.1
Flexible plan types: Offers 401(k)s (including Roth deferral options), safe harbor 401(k)s, and even solo 401(k)s.
Employer contribution options: Attract and retain top talent by offering matching or profit-sharing contributions.
Personalized experience: Plans tailored to your clients’ business needs and employee demographics
First-of-its kind Customer Experience Guarantee2: If we don’t deliver the exceptional service your clients deserve, we’ll make it right.
Why should your clients choose Human Interest?
Choosing a retirement plan is about more than just checking a box. It's an investment in your clients’ employees and their business's future. Not only is Human Interest the highest-rated 401(k) plan provider on G23, but we also power approximately one in every four new 401(k) plans!4
Why choose Human Interest?
For your clients
Attract and retain top talent: A robust 401(k) with employer contributions is a highly valued benefit that can set your clients apart from competitors. In fact, a retirement plan is the most wanted benefit after health insurance!5.
Tax benefits for their business: Employer contributions to a 401(k) plan are often tax-deductible for them
Fiduciary support: Human Interest Inc. can act as a select 3(16) administrator6, while HIA can act as a 3(21) investment advisor or 3(38) investment management fiduciary, taking on some of your clients’ fiduciary responsibility and reducing their administrative burden.
Seamless integration: Easy setup and ongoing administration with 500+ payroll providers7, saving your clients time and resources.
Scalability: Plans designed to grow with your clients’ businesses.
Why choose Human Interest?
For your clients’ employees
More savings potential: The ability for employer contributions means employees can build a meaningfully larger nest egg.
Tax advantages: Offer both pre-tax and Roth deferral (post-tax), allowing employees to choose what best suits their financial situation.
Thanks to catch-up contributions, individuals aged 50 or over can contribute up to $31,000 (and those aged 60-63 can save up to $34,750).
Financial wellness: Access to educational resources and support to help them make informed decisions about their retirement.
Portability: Their 401(k) can often be rolled over into a new employer's plan or an IRA if they change jobs.
The Human Interest difference: Simplicity, support, and savings.
We believe offering a great retirement plan shouldn't be complicated or expensive.
Easy setup and management
Our intuitive platform makes it simple to set up and manage your plan, with dedicated support every step of the way.
Zero transaction fees!4
Transparent and affordable pricing: Zero transaction fees!4 And no unexpected fees or complex cost structures. Your clients know exactly what they’re paying.
Education
Our team is here to answer questions and help your clients understand the features of their retirement plan.
Potential savings with tax credits
CalSavers vs. Human Interest
CalSavers Roth IRA | Human Interest 401(k) |
|---|---|
| $7,000 contribution limit. $8,000 if 50 and older.9 | $23,500 contribution limit. $31,000 if 50 and older.10 |
| Few payroll integration partners. | 500+ payroll integration partners.11 |
| 75+ hours of administration work on average per year.12 | Administrative and payroll processing time savings can equal $7,500 per year.12 |
| Little flexibility with rigid rules around lower contribution limits and one-size-fits-all plan features. | Adaptable and scalable, including profit sharing, higher contribution limits, safe harbor, and more! |
| Very little to no support. | Award-winning, dedicated customer support. Our US-based, 250-person team is ready to assist with any questions or concerns. |
| Zero access to tax credits or sheltering opportunities. | Claim tax deductions on employer contributions, reducing your taxable income. Plus, new plans can qualify for up to $16,500 in tax credits over three years.13 |
Share this resource with your clients
Don't let them settle for only meeting the minimum requirements. Help them avoid potentially hefty fines by meeting the December 31, 2025 deadline. Reach out to your Account Manager to learn more or email [email protected]!
Click HereFor California employers: See how much your new 401(k) plan really costs
Get tax credits up to $16,500 ($5,500/yr up to 3 years) for starting a new 401(k) plan with auto-enroll.13