Human Interest + Tough Leaf

Making it easier to save for retirement.

Tough Leaf, a platform that empowers minority-owned, women-owned, and disadvantaged businesses to grow by connecting them with project opportunities and capacity-building services has partnered with Human Interest, a 401(k) provider for small and medium-sized businesses, to add an affordable retirement service to your benefits offering.

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Retirement benefits made simple

Founded in 2015, Human Interest works with employers in all lines of work to provide retirement benefits to their employees. Get guidance on 401(k) plan administration, IRS testing, and government filings with expertise from Human Interest.

In-house recordkeeping

Automated plan administration tracks participation, contributions, distributions, and more.

Regulatory support

We reduce fiduciary liability by preparing select government filings. And for some clients, we sign and file the Form 5500.1

On-demand reporting

Get a 360-degree view of your plan, access reports, and see which employees have joined.

Plan compliance & testing

Don’t stress about IRS testing and regulatory deadlines. We’ll help handle them for you.

Why Human Interest

With Human Interest, Tough Leaf customers receive

  • Easy setup and administration with continuous account management

  • Affordable, low-cost investment options2

  • Transparent pricing and zero transaction fees

  • Plan design flexibility

  • “No-touch” 401(k) integrations with 500+ payroll providers3

Get Started

Interested in starting a retirement plan with Human Interest?

Reach out to us today.

Get Started



We prepare select government filings (e.g., the Form 5500). Signing on behalf of customer reserved for Concierge & Complete pricing plans.


For information about Human Interest’s pricing, please refer to their Pricing Page, which describes the fees charged for administrative and advisory services. Fees for investment advisory services are billed according to the Terms of Service. Fees are typically up to 0.50% annually, and include custody fees. Mutual fund annual operating expenses are established by each individual mutual fund and disclosed in the relevant prospectus, as well as through fee disclosures provided to Participants. Mutual fund fees are embedded in each mutual fund’s net asset value and are borne equally by each fund shareholder, including those plan participants who elect to purchase shares. The average fee for the mutual funds available through the Human Interest model is .07% per year, but is subject to change based upon the expenses set by each particular mutual fund.


Refer to for a list of integrated payroll providers.