Skip to main
Human Interest LogoHuman Interest Logo
Get started
City skyline silhouette beneath a massive dark blue and glowing orange sunrise sky.

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

Price Match Guarantee

We will match the total cost of any verified offer from a competing retirement plan provider.8

Learn about our Price Match Guarantee

Compliance Guarantee

Get true peace of mind that your plan’s compliance requirements are handled with less stress and surprises for you.9

Learn about our Compliance Guarantee

Large Plan Audit Relief

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

Learn about Audit Relief®

Explore Human Interest

Everything you need to understand how our 401(k) works and why it’s different.

Simple, predictable

Pricing

Flat monthly fees to run your plan. If a comparable plan costs less, that price will be matched.10

View pricing

Reviews

See why we’re named a leader in the 401(k) software category.

Learn more

Payrolls

600+ integrations that automatically enroll employees and process contributions.

Find your payroll

Features

Reduce your workload, lower your compliance risk, and help your employees succeed.

See our features

Become a partner

We set a high standard. That’s why advisors, payroll providers, accountants, and brokers choose us as their preferred 401(k) provider.

Partner with us

401(k) Plan Cost Calculator

Estimate the cost of offering a Human Interest 401(k) plan for your business and discover how much you could save with SECURE Act 2.0 tax credits.

Calculate your savings

You deserve a higher standard

Easy
Administration
Covered
Compliance
Dedicated
Service
Delightful
Experience
Simple
Pricing
Get started in minutes
Or
Talk to an expert

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.

9

Terms and conditions apply. See if your plan qualifies.

10

A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee’s account according to the HII Terms of Service 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. An automatic rollover feature is available as an optional add-on to all plans for +$10/mo. With this feature, terminated employees with low balances are automatically rolled into an IRA.