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The industry benchmark

Welcome to the
New 401(k) Standard

We redefined what employers should expect from a 401(k)

See what employers should get

Old 401(k)s place the burden on the employer. Not this one.

BEFORE

A product built around provider limitations. A long time ago.

The 401(k) was born in the 1980s using the technology available at the time — mainframe computers, fax machines, paper forms, and manual processes.

Only large employers had enough resources to absorb the complexity and cost.

NOW

The 401(k) of the future,
designed for employers

We set a new standard with industry-first guarantees that remove pain points employers were previously forced to accept.

The New 401(k) Standard

We set a new standard
for 401(k) providers

Five measurable benchmarks every provider should hit. Open any to see how Human Interest delivers.

The standard
The benchmark to hit

How Human Interest delivers:

How Human Interest delivers:

How Human Interest delivers:
  • We give you a named Account Manager who knows your plan
  • We walk you through 401(k) requirements so you don't have to figure it out on your own
  • Our support team is U.S.-based, staffed by trained employees with expertise in retirement
  • We guarantee our service standards, with compensation if we miss - Customer Experience Guarantee

How Human Interest delivers:

How Human Interest delivers:
  • Simple pricing published on our pricing page - See pricing
  • No added employer fees7 for plan amendments, profit-sharing, or annual Form 5500 filing - Zero Transaction Fees
  • No added employee fees7 for distributions, loans, roll-ins - Zero Transaction Fees
  • Predictable, consistent costs you can plan around
  • Offers on a comparable plan are matched8, so you get the best price - Price Match Guarantee

Industry first

We built what didn’t exist

Our disruptive innovations have redefined what employers should expect from a 401(k)

Zero Transaction Fees

We eliminated the 20+ per-transaction fees other providers may still charge employers and employees.7

See the fees we eliminated

Employee Cash Back Incentive

We offer 3% cash back (up to $250) to help lower-wage employees start saving.6

Learn about (k)ickstart®

Money-Backed Customer Experience Guarantee

We publish measurable service standards — and compensate you if we miss them.

See our Customer Experience Guarantee

Large Plan Audit Relief

We cover the cost of the independent audit required for plans with 100+ participants.4

Learn about Audit Relief®

DOL Audit Defense

We provide legal referrals and reimburse expenses if the Department of Labor audits your plan.4

Learn about DOL Audit Defense

Notice Delivery Protection

We absorb the cost and admin of mailing your required participant notices via USPS.

Learn about Notice Delivery Protection

You deserve a higher standard

Easy
Administration
Covered
Compliance
Dedicated
Service
Delightful
Experience
Simple
Pricing
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Notes

1

Actual time spent on monthly plan administration may differ. Human Interest internal data as of February 28, 2025. Calculations are based on customer information, including 50 hours of 401(k) administration management per year and one hour of payroll management per pay cycle.

2

3(16) Fiduciary Services and ERISA fidelity bond procurement are available for customers on our Complete and Concierge packages only.

3

Tax Savings Maximizer, Notice Delivery Protection, Audit Relief, and DOL Audit Defense are available for customers on our Concierge package only.

4

Audit Relief® excludes additional fees charged by the Auditor related to the Plan sponsor’s or Auditor’s errors, delays, fraud or other administrative issues (e.g., missed or late payroll contributions) or related to atypical events or demographics during the Audit Year (e.g., mergers or spin-offs, multiple payroll providers, controlled groups, or leaving Human Interest). Additional terms and conditions apply, see terms and conditions. DOL Audit Defense is available for customers on our Concierge plan. Up to $50,000 in qualified expense coverage such as attorney or CPA fees. For more information on Human Interest's DOL Audit Defense read our terms and conditions.

5

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 www.humaninterest.com/hia/.

6

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.

7

Zero transaction fees for employers and employees applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.

8

Our Price Match Guarantee is available on all plans. See terms and conditions.