Human Interest & Thera: 401(k) Payroll Integration
Power your 401(k) with Thera.
We provide affordable, full-service, automated retirement benefit plans for Thera users.
G2’s “Highest Rated 401(k) Software” list ranking as of 11/20/25. 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 11/20/25. 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. As of 11/24/2025 Guideline was purchased by Gusto and is now known as "Gusto 401k powered by Guideline". Plans that did not utilize Gusto's payroll services were transitioned to a separate, unaffiliated recordkeeper, Accrue 401(k). Accrue 401(k)'s 3(38) investment advisory services are provided by Guideline Investments, LLC.
How our 401(k) payroll integration works
Our powerful "No-Touch" integration with Thera reduces your administrative work
Accurate, fast, reliable data transfer.
Reduce manual work. Get time back.
Automatically process 401(k) contributions.
Affordable, transparent pricing
Human Interest 401(k) and 403(b) plans come with transparent pricing—and zero transaction fees.*
Monthly pricing starting at only:
base fee
per eligible employee
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.
* Applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.
Estimate your 401(k) plan costs
Get tax credits up to $16,500 ($5,500/yr up to 3 years) for starting a new 401(k) plan with auto-enroll.1
Offering a retirement benefit can be easy
Simplified retirement plan administration
Automate tasks such as deferral rate changes, employee census data updates, and contribution deductions.
Support you can count on, and call
Get peace of mind with award winning, live customer support backed by the industry’s first Customer Experience Guarantee.
Increased plan flexibility to maximize your options
Get the right 401(k) for your business. We offer robust plan design options with no amendment fees.
Explore Thera plans
Get StartedRecognized as a leader
G2 Leaders: as of 9/30/2025. 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 23 products listed in the 401(k) software category on G2 qualified. 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 G2 reviews. A higher value was offered for non-anonymous reviews. The G2 Grid is updated daily. Click here for full methodology and here for most recent rating. Read our full disclosures here.
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.
Better Business Bureau® (“BBB”) customer review rating of 4.6 as of 11/12/2025. Clients solicited to provide reviews. No compensation provided. Solicitation may make a customer more likely to portray Human Interest favorably. Read our full disclosures here.
Thera payroll integration
frequently asked questions
