401(k) Solution for Banking Partners

A people-first 401(k) partner for banks & credit unions.

Give your clients and members a 401(k) built for small to medium-sized businesses.

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20,000+ businesses have chosen Human Interest

Cost and value

We offer bundled 401(k) and 403(b) solutions at a low cost with zero transaction fees.

Admin experience

Access to a “No-Touch” integration with 500+ payroll providers.1 We sync to payroll, handle recordkeeping, and administration so your clients don’t have to.

Complete solution

We can take on some of the responsibility and liability as your 3(16), 3(21), or 3(38) Fiduciary Services provider, handling the day-to-day operation and some compliance-related tasks.2

Employee experience

Employees will have access to a selection of low-cost mutual funds, from multiple asset classes and risk categories. Not to mention easy navigation, built-in financial education and ongoing support.

Transparent pricing

We offer bundled, small-plan 401(k), 403(b) solutions at a low cost with zero transaction fees.3

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 local retirement partner you can lean on

Local partner support. We have dedicated Partner Account Managers across the country who can answer ongoing questions and provide retirement planning resources for you and your clients.

Stay competitive and strengthen your service offering. Offer an affordable, competitive retirement plan option, helping you stand out against larger competitors.

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A modern 401(k) for banking partners

Robust reporting. Through an advisor portal, access to customized reporting allowing you to easily monitor and prepare for plan reviews. 

Marketing support & client education. Get access to co-branded assets, educational presentations, event support, and retirement planning resources for bank staff and clients. 

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Resources for banking partners

State mandate hub

Many states have passed legislation mandating retirement benefits. What’s required in yours? Here's the latest on state-sponsored plans. 

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SECURE Act tax credits

Passed in 2019, the SECURE Act increased incentives for small businesses to offer retirement plans. Read about the latest updates.

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Complimentary benchmarking

Benchmarking current plans helps companies evaluate how their current plan stacks up against other plans.

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Want to learn more about partnering with Human Interest?

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