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 Pay $0 employer fees for 12 months when you open or switch to a Human Interest 401(k) by 08/31/2026.1
1. For 12 months, Human Interest Inc. will waive its monthly administration fee, price per eligible employee fee and recordkeeping services, 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.
Discover the benefits of a solo 401(k)
Leap ahead in 2025 with a Human Interest solo 401(k), which allows contributions up to nearly 10x the amount of an IRA.
Maximize contribution ceiling
Supercharge your retirement savings with a 2025 contribution ceiling set at $70,000, enabling you to maximize tax-advantaged growth.2
Maximize tax savings
Contributions to a solo 401(k) can reduce your taxable income now, while earnings grow tax-deferred until you take distributions in retirement.
Open fund architecture
Embrace the freedom to diversify with our solo 401(k) plan, featuring an extensive selection of funds that help cater to your unique investment strategy and retirement vision.
Most popular 401(k) with Gusto customers in 20253
Sign up by June 30, 2026, and pay $0 in employer fees. Then, tax credits could cover 100% of plan costs the next 2 years.*
For 12 months, Human Interest Inc. (Human Interest) will waive its monthly administration fee, price per eligible employee fee and recordkeeping and custody related asset-based fee, 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 does not apply to service fees for optional features. See terms and conditions below. Other fees may apply, see the HII Terms of Service and HIA Terms of Service for more information.
* This content is for informational purposes only and is not intended to be taken as tax advice. Please consult a tax professional to determine what types of tax credits or deductions your company is eligible to claim.
A solo 401(k) plan that can scale with your business
Our solo 401(k) plan is designed for small business growth. It offers a flexible structure that adapts as you hire employees, ensuring compliance without the complexities of nondiscrimination testing and payroll adjustments.
A Human Interest solo 401(k) plan provides a hassle-free solution for ambitious, growing businesses.
From solopreneur to six figures
Scale your business with a Human Interest Solo 401(k)
Read the story of Epaulette, a consulting agency founded by one woman who wanted a solo 401(k) to get her business off the ground...
Human Interest solicited client for testimonial. Solicitation may make a client 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. Read our full disclosures here.
Solo 401(k) contribution limit
How to maximize your contribution limits
If you're a business owner without any employees, you're wearing two hats as the employee and the employer. Here's what that means for your contributions in the 2025 tax year:4
Elective deferrals: Think of this as your personal contribution. You can contribute up to 100% of your earnings with a cap of $23,500. The catch-up contribution rules vary by age: if you're 50-59 or 64+ you can contribute an additional $7,500 (bringing your total to $31,000), and if you're 60-63, you can contribute an additional $11,500 (bringing your total to $34,750).
Employer contributions: As an employer, you can contribute up to an additional 25% of your compensation on behalf of your business.
Note: Total contributions are limited to $70,000 for 2025. This means if you take the full $23,500 for the elective deferral, you are limited to making $46,500 in employer profit-sharing contributions. These limits are separate from any catch-up contributions you may be eligible for based on your age.
Don’t wait to start saving for your future
Sign up for a solo 401(k) in under 10 minutes today.
Get startedRecognized as a leader
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 9/30/2025. 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.
Better Business Bureau® (“BBB”) customer review rating of 4.6 as of 11/12/2025. Clients solicited to provide reviews. No compensation provided. Solicitation may make a customer more likely to portray Human Interest favorably. Read our full disclosures here.