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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.


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.

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Get an affordable, full-service 401(k). Trusted by 20,000+ 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.

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See how much your new 401(k) plan really costs after tax credits

Employers may be eligible to receive tax credits up to $16,500 for starting a new 401(k) plan with auto-enroll.2


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.

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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

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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

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See what customers are saying about our software on G2

Hear how a Human Interest 401(k) or 403(b) can make a difference for your business
through honest reviews from our customers.

G2 Rating of 4.2 as of 04/11/2024. Ratings fluctuate in real-time. Visit G2 for most recent rating. Human Interest solicited clients for G2 reviews in exchange for a nominal gift card. A higher nominal value offered for non-anonymous testimonials. Active solicitation and financial incentives will 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. Read our full disclosures here.

Start your 401(k) in as little as 10 minutes


Provide your information

Enter basic details


Customize your plan

Choose from flexible designs


Launch your 401(k) plan

We'll connect & launch your plan



Refer to for a list of integrated payroll providers.


Retirement Plans Startup Costs Tax Credit.


401(k) plans are the most-wanted benefit after health insurance. Human Interest, 2022.