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Fastest growing 401(k) with Gusto customers*

$0 employer fees and 0.00% asset-based fees for 12 months.

See why we have the highest G2 Satisfaction Score in 401(k).2 Open or switch to a Human Interest 401(k) by 08/31/2026 to take advantage of this offer.1 Get started in just a few minutes.

1. For 12 months, Human Interest Inc. will waive its monthly administration fee, price per employee fee and recordkeeping and custody-related asset-based fee and other fees paid by plan sponsor for optional services and features, and Human Interest Advisors LLC (HIA) will waive its monthly investment advisory asset-based fee if HIA is selected by the plan as its investment advisor. This promotion excludes underlying fund fees and fees for certain optional services paid by participants. Other fees, costs, and expenses could apply. Must launch plan within 6 months of signing up. See terms and conditions below.

2. 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. As of 11/24/2025 Guideline was purchased by Gusto and is now known as "Gusto 401k powered by Guideline". Plans that did not utilize Gusto's payroll services were transitioned to a separate, unaffiliated recordkeeper, Accrue 401(k). Accrue 401(k)'s 3(38) investment advisory services are provided by Guideline Investments, LLC.

* Source: Gusto, as of 4/15/25.

Most popular 401(k) Gusto partner in 20253

Essentials

Special Offer

$85

$0

/month

$4

$0

/per eligible employee

An affordable all-in-one 401(k) solution with a full $23,500 employee contribution limit.

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Complete

Special Offer

$85

$0

/month

$6

$0

/per eligible employee

End-to-end 401(k) with Human Interest performing key administrative and compliance tasks on your behalf.

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Concierge

❤️ Most Popular

$85

$0

/month

$8

$0

/per eligible employee

Our ultimate 401(k) solution, offering a Dedicated Account Manager and tools that reduce your workload and your costs.

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For 12 months, Human Interest Inc. (Human Interest) will waive its monthly administration fee, price per employee fee, recordkeeping and custody related asset-based fee and other fees paid by Plan Sponsor for optional services and features, and Human Interest Advisors LLC (HIA) will waive its monthly investment advisory asset-based fee if HIA is selected by the plan as its investment advisor. This promotion excludes underlying fund fees and fees for certain optional services paid by participants. Must launch plan within 6 months of signing up. See terms and conditions below. Other fees, costs and expenses could apply, see the HII Terms of Service and HIA Terms of Service for more information.

0% monthly asset-based fees for 12 months on both new contributions and transferred assets

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Other fees, costs, and expenses may apply.

Help turn uncertainty into peace of mind

Seamless Gusto integration means no extra manual 401(k) work. Now with no employer fees.1

Most 5-star reviews vs other modern 401(k) providers14

3-minute response times and award-winning customer service from our U.S.-based, 250-person support team.15

3% cash back for qualifying employees (up to $250)8

The only 401(k) provider to offer cash back for qualifying employees at no extra cost to you. (Terms Apply)

Up to $5,500 per year in tax credits up to 3 years

Tax credits almost entirely offset plan costs for the vast majority of our customers.16

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14. On G2 and Google compared to Betterment, Empower, Vestwell, ForUsAll, Ubiquity. All G2 Ratings as of 4/19/26. Human Interest, Empower, Betterment, Vestwell, ForUsAll, Ubiquity. All Google Ratings as of 4/19/26. View the most recent ratings here: Human Interest, Empower, Betterment, Vestwell, ForUsAll, Ubiquity. G2 and Google ratings fluctuate in real-time. Human Interest solicited clients for G2 and Google reviews in exchange for de-minimis non-cash compensation. Active solicitation and non-cash compensation makes 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. From 5/25/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher de-minimis value was offered for non-anonymous testimonials. Read our full disclosures.

What sets us apart

Why 1 in 3 new 401(k)s created in the U.S. choose Human Interest17

  • Start a flexible plan you won’t outgrow: Customize eligibility, matching, and profit sharing. Plus, adapt your plan as needed with our complimentary amendment services.

  • Clear, upfront pricing for both employers and employees: Human Interest eliminated 20+ transaction fees18 typically charged by 401(k) providers. Plus, Human Interest Advisors' model portfolios are built with low-cost funds across a wide range of asset classes.19

  • Award-winning customer service: When you or your employees need support, our U.S.-based team is standing by—99.6% of customer calls are answered in 3 minutes or less.

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Hear from Gustomers

I was expecting a lengthy application process and was shocked at how fast and simple it was to get set up. Pricing is highly competitive, and the investment funds offered are great. Overall, it is a really great product, and excited to keep working with them.

Daniel C.

VP of Finance

Human Interest integrates beautifully with Gusto. We started six months ago, and I haven't had to do anything.

Stanley Chen

President at BerryClean

We're a small business of under ten employees. My main fear was how much paperwork, legalese, etc., would go into managing a 401(k). So, when I found out Human Interest integrated with Gusto, it was a no-brainer. It was super easy onboarding and worked seamlessly with Gusto. It has not added any more work on our side and is working very smoothly.

Steve N.

Gusto Customer

Human Interest solicited clients for testimonials. Active solicitation may make a client 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. Read our full disclosures here.

Fast track a more secure financial future

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Recognized as a leader

J.D. Power 2025 Certified Customer Service - Phone badge

J.D. Power 2025 Certified Customer Service Program (SM) recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards.

G2 Leaders: as of 3/26/26. To qualify a product must place in the “Leaders Quadrant" of the G2 Grid at the end of the quarterly evaluation period. The G2 Grid maps qualifying companies into quadrants based on User Satisfaction rating and a Market Presence score that considers data from online sources, including, among other criteria, the amount of reviews and web presence. A product must have 10 reviews to be considered. In this period, 6 out of the 23 products listed in the 401(k) software category on G2 qualified. 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 G2 reviews. A higher value was offered for non-anonymous reviews. The G2 Grid is updated daily. Click here for full methodology and here for most recent rating. Read our full disclosures here.

Human Interest was awarded the “Gold Stevie Award" medal in the 2025 Stevie AwardsⓇ for Sales & Customer Service in “Customer Experience.” The company was awarded a “Silver Stevie Award” in “Customer Service Employer of the Year.” Winners were determined by the average scores of more than 170 professionals worldwide in the three-month judging process. Read more about the winning organizations: https://stevieawards.com/sales/2025-stevie-award-winners#CustomerServiceTeam and criteria for the award here: https://stevieawards.com/aba/judging-awards-process. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.

Human Interest Inc. is honored to be recognized as one of Fast Company's Most Innovative Companies in Finance and Personal Finance for 2025. See the full list here.

Notes

1

Special Gusto introductory pricing for plans that sign up by 06/30/26


Employer cost: For the first 12 months, Human Interest will waive its monthly administration fee and price per employee fee, resulting in the employer paying as little as $0/mo +$0/mo per eligible employee. See Gusto Pricing for more details.


Employee cost: For the first 12 months, Human Interest will waive its recordkeeping and custody-related asset-based fee and Human Interest Advisors will waive its monthly investment advisory asset-based fee (if HIA is selected by the plan as its investment advisor). While employers are responsible for payment of these fees, they may be deducted monthly from employee accounts. Other fees may apply, see the HII Terms of Service and HIA Terms of Service for more information.


The special offer is available to Gusto customers that complete setting up and launching their Plan with Human Interest Inc. (Human Interest) (i.e., sign all Plan documents and successfully connect their bank account) within 6 months of signing the Order Form. Other fees, costs, and expenses may apply. The offer is subject to the following additional terms and conditions: This offer excludes underlying fund fees and fees for certain optional services paid by participants. Fees charged by any third-party advisors retained by the Plan remain the responsibility of the Plan Sponsor. Human Interest and HIA may seek adjustment of fees in accordance with the Human Interest Terms of Service and HIA Terms of Service. All fees are exclusive of applicable taxes. The promotion (a) cannot be combined with other offers, (b) is void where prohibited by law, (c) applies to new Human Interest customers only and (d) does not apply to previous purchases. The promotion is available to Gusto customers who complete setting up auto-enroll and meet the applicable promo terms and conditions. If auto-enroll is declined, pricing may revert to the Concierge for Complete promotion pricing for one (1) year and a new order form will need to be signed. Plan Sponsor must remain a customer of both Gusto and Human Interest for the promotion to continue to apply. If the promotion no longer applies or expires, pricing will adjust to Human Interest’s then-current pricing for the applicable service tier or product. Promotion is subject to change or cancellation at any time. If the promotion is canceled, Human Interest will honor the discount for those who have qualified at the time of cancellation, in accordance with the terms of the offer.

Disclosures

2. G2’s “Highest Rated 401(k) Software” list ranking as of 4/22/26. 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 4/22/26. 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. As of 11/25/2025 Guideline was purchased by Gusto and is now known as "Gusto 401k powered by Guideline". Plans that did not utilize Gusto's payroll services were transitioned to a separate, unaffiliated recordkeeper, Accrue 401(k). Accrue 401(k)'s 3(38) investment advisory services are provided by Guideline Investments, LLC.


3. Source: Gusto, as of 4/15/25.


4. Unknown as of 11/25/2025


5. Better Business Bureau® (“BBB”) customer review rating of 4.6 as of 4/19/2026. Clients solicited to provide reviews. No compensation provided. Solicitation may make a customer more likely to portray Human Interest favorably. Google Rating as of 4/19/26. Ratings fluctuate in real-time. Click here for most recent rating. Rating primarily based on client testimonials. Human Interest solicited clients in exchange for nominal non-cash compensation from 10/3/23-10/16/23. Active solicitation and non-cash compensation could possibly make a customer more likely to portray Human Interest favorably. Read our full disclosures here.


6. Human Interest internal calculations as of 9/25/24.


7. Accrue 401(k) Pricing. https://www.accrue401k.com/pricing


8. 3% cash back is available to eligible individuals making $60,000 or less in gross income and contributing at least 8% of every paycheck to an eligible Human Interest plan over a 12-month period. Must submit a claim form to claim the award. Minimum award is $100 and max is $250. Additional requirements apply. See terms and conditions. This program is administered and offered by Human Interest, and Human Interest’s asset-based fees will increase if you participate in this program. If Human Interest’s wholly owned subsidiary and registered investment adviser, Human Interest Advisors LLC (“HIA”), provides services to the Plan, HIA’s asset-based fees will also increase if you participate in this program.


9. 3(21) clients can select from a universe of over 3,000 funds, while 3(38) clients are limited to the funds available on our 3(38) fund menu.


10. 401(k) Investment Funds. https://www.accrue401k.com/funds


11. Includes all employees of Human Interest customers, regardless of participation in the employer sponsored plans, as of Oct 1, 2025.


12. 3(16) fiduciary services reserved for Concierge & Complete pricing plans. Subject to our Terms of Service.


13. Investment Advisory services are provided through Human Interest Advisors LLC (HIA) to plans that select HIA as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit https://www.humaninterest.com/hia/.


14. On G2 and Google compared to Betterment, Empower, Vestwell, ForUsAll, Ubiquity. All G2 Ratings as of 4/19/26. Human Interest, Empower, Betterment, Vestwell, ForUsAll, Ubiquity. All Google Ratings as of 4/19/26. View the most recent ratings here: Human Interest, Empower, Betterment, Vestwell, ForUsAll, Ubiquity. G2 and Google ratings fluctuate in real-time. Human Interest solicited clients for G2 and Google reviews in exchange for de-minimis non-cash compensation. Active solicitation and non-cash compensation makes 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. From 5/25/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher de-minimis value was offered for non-anonymous testimonials. Read our full disclosures.


15. Human Interest was awarded the “Gold Stevie Award" medal in the 2025 Stevie AwardsⓇ for Sales & Customer Service in “Customer Experience.” The company was awarded a “Silver Stevie Award” in “Customer Service Employer of the Year.” Winners were determined by the average scores of more than 170 professionals worldwide in the three-month judging process. Read more about the winning organizations: https://stevieawards.com/sales/2025-stevie-award-winners#CustomerServiceTeam and criteria for the award here: https://stevieawards.com/aba/judging-awards-process. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.


16. Retirement Plans Startup Costs Tax Credit. IRS.gov. https://www.irs.gov/retirement-plans/retirement-plans-startup-costs-tax-credit


17. Calculation based on an independent analysis of recordkeepers reporting to PLANSPONSOR as of 12/31/23 and/or the National Association of Plan Advisors as of 6/30/23. Human Interest estimates these sources cover over 98% of industry-wide 401(k) plans, verified against Department of Labor Form 5500 Pension Plan Bulletins data extracted on 7/26/23 using data as of 2021. 2023 estimates calculated by subtracting prior-year numbers from the total number of 401(k) plans self-reported by each recordkeeper in the current data release.


18. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.


19. Model Portfolios are available to plans that select Human interest Advisors (HIA) as the investment adviser.


Human Interest Inc. is an affordable, full-service 401(k) and 403(b) provider that seeks to make it easy for small and medium-sized businesses to assist their employees with investing for retirement. For more information, please visit humaninterest.com. Investment Advisory services are provided through Human Interest Advisors LLC, a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit http://www.humaninterest.com/hia/.


This content has been prepared for informational purposes only, and should not be construed as tax, legal, or individualized investment advice. Neither Human Interest Inc. nor Human Interest Advisors LLC provides tax or legal advice. Consult an appropriate professional regarding your situation. The views expressed are subject to change. In the event third-party data and/or statistics are used, they have been obtained from sources believed to be reliable; however, we cannot guarantee their accuracy or completeness. Investing involves risk, including risk of loss. Past performance does not guarantee future results.


Gusto has a partnership with Human Interest Inc. and will be compensated if you hire Human Interest Inc. Gusto and its representatives are not affiliated with or employed by Human Interest Inc. For the full disclosures, please refer to https://humaninterest.com/disclosures/.