Gusto 401(k) Payroll Integration

The most popular 401(k) with Gusto customers in 2025.

See why we have the highest G2 Satisfaction Score in 401(k).¹ Get started in just a few minutes.

1. G2’s “Highest Rated 401(k) Software” list ranking as of 10/23/25. Ratings are based on the product’s satisfaction score, which is calculated by a proprietary algorithm that factors in real-user satisfaction ratings from review data. Of the 23 listed 401(k) software products, six products qualified. Human Interest’s overall G2 score is 4.3 out of 5, as of 10/23/25. Ratings fluctuate in real-time. Solicited clients for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. Previously, Human Interest offered gift cards as an incentive for customers to complete reviews. A higher value was offered for non-anonymous testimonials. Read our full disclosures here.

Source: Gusto, as of 4/15/25

What sets us apart

Why 5,000+ Gusto customers choose Human Interest

Start a flexible plan you won’t outgrow: Customize eligibility, matching, and profit sharing). Plus, change it at any time at no additional cost.
Clear, upfront pricing for both employers and employees: Human Interest eliminated 30+ transaction fees⁴ typically charged by 401(k) providers. Plus, Human Interest Advisors' model portfolios are built with low-cost funds across a wide range of asset classes.²
Award-winning customer service: When you or your employees need support, we have 250+ US-based specialists standing by—over 2x as many as other providers in Gusto’s marketplace.

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Automate admin work

We sync employee data, process contributions, and sign important IRS forms for you.³

Maximize employees savings

Help your employees save more for retirement with zero transaction fees⁴ and fully transparent pricing.

Delight your employees

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Hear from Gustomers

I was expecting a lengthy application process and was shocked at how fast and simple it was to get set up. Pricing is highly competitive, and the investment funds offered are great. Overall, it is a really great product, and excited to keep working with them.

Daniel C.

VP of Finance

Human Interest integrates beautifully with Gusto. We started six months ago, and I haven't had to do anything.

Stanley Chen

President at BerryClean

We're a small business of under ten employees. My main fear was how much paperwork, legalese, etc., would go into managing a 401(k). So, when I found out Human Interest integrated with Gusto, it was a no-brainer. It was super easy onboarding and worked seamlessly with Gusto. It has not added any more work on our side and is working very smoothly.

Steve N.

Gusto Customer

Human Interest solicited clients for testimonials. Active solicitation may make a client more likely to portray Human Interest favorably. Testimonials are unique to an individual, may not be representative of the experience of others, and past success does not guarantee future results. Read our full disclosures here.

Launch your retirement plan in minutes

Create a profile

Create an account to streamline employee management and payroll deductions

Select a match level

Choose from expertly crafted plan design options to support your business goals

Select a service level

Choose from three options, each with transparent pricing and flexibility

Review plan documents

Review your 401(k) details and sign electronically

Connect your bank

Securely & quickly connect your bank to automate contributions every payroll cycle

Get excited for enrollment day

We'll notify employees about enrollment and help them learn about saving for retirement

Start a 401(k) in a few steps

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Gusto 401(k) payroll integration frequently asked questions

How does Human Interest’s integration with Gusto’s payroll work?

Human Interest’s integration with Gusto’s payroll is a direct, two-way payroll integration that allows for easy 401(k) deferrals from payroll in real time. A powerful integration streamlines benefit management. For example, it pre-populates employee information for fast employee onboarding, automatically detects employee eligibility, improves accuracy of data transfer, and saves time, especially at signup. On an ongoing basis, the Human Interest + Gusto integration detects and processes ongoing changes to contribution rates and employee details on your behalf to ensure information is up-to-date.

Is the integration easy to set up and maintain?

How much does the integration cost?

Will changing my payroll to or from Gusto affect my Human Interest 401(k) integration?

How will Human Interest’s integration with Gusto’s payroll impact employees?

Human Interest’s integration with Gusto’s payroll helps simplify the process of retirement savings for employees. The seamless integration automates the contribution process, meaning employees can opt for deductions to be made directly from their paychecks without having to take any additional action. Employees can view their 401(k) balance, adjust contribution rates, or make changes to their investment choices anytime through their Human Interest account, granting them control and flexibility over their retirement planning. In addition, Human Interest understands that retirement planning can be complex. To support employees in this journey, we offer a suite of educational resources, including easy-to-understand articles and guides, webinars, and dedicated support specialists.

Award-winning 401(k) provider

G2 Leaders as of 8/15/25. To qualify a product must place in the “Leaders Quadrant" of the G2 Grid at the end of the quarterly evaluation period. The G2 Grid maps qualifying companies into quadrants based on User Satisfaction rating and a Market Presence score that considers data from online sources, including, among other criteria, the amount of reviews and web presence. A product must have 10 reviews to be considered. In this period, 6 out of the 22 products listed in the 401(k) software category on G2 qualified. During this period, Human Interest solicited clients for G2 reviews in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation will make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. From 5/25/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher nominal value was offered for non-anonymous reviews. The G2 Grid is updated daily. View g2.com for the most recent grid results, here for full methodology, and our reviews for most recent rating.

TrustRadius Rating of 8.7 out of 10, as of 8/15/25. Ratings fluctuate in real-time. Visit here for most recent rating. Human Interest solicited clients for reviews in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation will make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. From 8/23/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete reviews. “Top Rated 2023” award criteria: based entirely on customer reviews, 10 reviews required, trScore of 7.5 or higher, and must earn >0.5% of all site traffic in the category. Winter 2023 “Best of” badges: 10 reviews required. Based on customer reviews and ratings on Key Insights: “Best Value for Price”, “Best Feature Set” and “Best Relationship”, per category. If additional vetting was necessary, newest review volume was heavily weighted.

Human Interest was awarded the “Gold Stevie Award" medal in the 2025 Stevie AwardsⓇ for Sales & Customer Service in “Customer Experience.” The company was awarded a “Silver Stevie Award” in “Customer Service Employer of the Year.” Winners were determined by the average scores of more than 170 professionals worldwide in the three-month judging process. Read more about the winning organizations: https://stevieawards.com/sales/2025-stevie-award-winners#CustomerServiceTeam and criteria for the award here: https://stevieawards.com/aba/judging-awards-process. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.

These recognitions are not indicative of Human Interest’s future performance. Read our full disclosures here: www.humaninterest.com/disclosures/.