401(k) plans for small business owners.
You can get a customized, full-service 401(k) plan for $120 per month + $5 per employee per month.
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 OWNERS
Focus on running your business. Not your 401(k) plan.
Reduce manual work: Integration with 500+ payroll providers streamlines essential tasks.1
Easy to start, easy to use: Admin dashboards provide insight into plan participation, reporting, and more.
Automate administration: Recordkeeping, compliance, and select fiduciary services—all included.
COMPLETE 401(K) SOLUTION FOR SMALL BUSINESS OWNERS
Get an affordable, full-service 401(k). Trusted by 30,000+ SMBs.
Customize your plan: Flexible plan design—including matching and vesting options—to meet your needs.
Remain compliant: Human Interest can act as your 3(16) fiduciary to limit liability.
Ongoing support: Dedicated account managers oversee your set-up process and can support your plan.
HELP EMPLOYEES SAVE FOR THE FUTURE
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.
A 401(k) may be more affordable than you think.
Human Interest plans come with transparent pricing—and zero transaction fees.
Monthly pricing starting at only:
base fee
per eligible employee
An investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets and a separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Both fees are deducted on a monthly basis from the employee's account according to the HII 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.
A 401(k) is the most-wanted benefit, after health insurance3
Start your 401(k) in a few easy steps
Get StartedRecognized 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 2/20/25. Ratings are based on the product’s satisfaction score, which is based on user testimonials. Of the 23 listed 401(k) products, 6 qualified. Human Interest’s overall G2 score is 4.3 out of 5, as of 2/20/25. Ratings fluctuate in real-time. See G2.com for most recent rating. Human Interest solicited some clients for G2 reviews in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation could 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. From 5/25/22-12/31/22, Human Interest offered gift card incentives for customer G2 reviews, including a higher nominal value for non-anonymous reviews. Please see G2.com for a complete list and 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
