401(k) solution for HR professionals
Simplify your retirement plan administration.
Reduce administrative burden, tedious manual entry, and compliance liability with a simple, fully automated 401(k) partner that employers and employees love.
See how Human Interest simplifies 401(k)s for HR teams
Discover why retirement plans are the most-wanted benefit after health insurance,1 and how our modern platform frees up your team's time.
Upgrade to a modern retirement experience
Outdated 401(k) systems force HR teams to manually manage tedious benefits tasks, legal exposure, and unpredictable costs. Human Interest replaces legacy complexity with smart automation and fiduciary support, giving you time back to focus on your employees.
| The old way | Human Interest (The new standard) |
|---|---|
| Manual data entry: Paper processing and tedious, repetitive payroll reconciliation. | No-touch integration: Automatic sync with 600+ payroll providers.2 |
| Transaction fees: Hidden charges burdened on plans and participants. | Transparent pricing: Clear, upfront costs with zero transaction fees.3 |
| Full compliance liability: HR teams shoulder the entire fiduciary burden and ERISA compliance risks alone. | Built-in 3(16) protection: Human Interest acts as a fiduciary, reducing your liability and protecting your business.4 |
| Lack of support: Slow response times and a lack of accountability when issues arise. | Guaranteed support: Fast, reliable support backed by our money-back Customer Experience Guarantee.5 |
Key benefits built for HR teams:
75+ hours saved annually
We can help customers save a significant 75+ hours annually across 401(k) administration and payroll processing, which can equal $7,500 in savings.6
Compliance Guarantee
Get true peace of mind that your plan’s compliance requirements are handled with less stress and surprises for you.7
Large plan Audit Relief®
We cover the cost of the independent audit required for plans with 100+ participants.8
Price Match Guarantee
We will match the total cost of any verified offer from a competing retirement plan provider.9
High-impact talent & engagement tool
Attract top talent and drive participation with custom plan designs, automated onboarding, and accessible employee management tools.
Get simple, predictable pricing with zero transaction fees*
Human Interest reduces your workload, lowers your compliance risk, and helps you save money.
Monthly pricing starting at only:
base fee
per eligible employee
A one-time setup fee of $499 may apply. 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.
*Applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.
Resources for HR professionals
State mandate hub
Many states have passed legislation mandating retirement benefits. What’s required in yours? Here's the latest on state-sponsored plans.
SECURE Act tax credits
Passed in 2019, the SECURE Act increased incentives for small businesses to offer retirement plans.
Complimentary benchmarking
Transitioning plans? Benchmark your current 401(k) fees and features against industry standards.
Ready to simplify your benefits administration?
Offer a modern 401(k) that your HR team can manage effortlessly and your employees will love.