Company update:

Captain401 is now Human Interest!

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The Modern 401(k)

Human Interest and Payroll Systems are partnering to help you offer a great 401(k) to your employees.

Payroll Systems discount: Waived $499 setup fee and one month free. Schedule a time to chat with our team to get started.

Or give us a call at 1-855-622-7824

Easy to start and scale

Our team will walk you through all the details and help you pick the best plan for your budget. We take the hassle out of the day-to-day operations of managing your 401(k). We’ll ensure that that compliance testing and paperwork is completely taken care of. We’re here for your company now and in the future. Employee onboarding and payroll syncs are all automated, making it easy for a growing company to offer a robust 401(k) with the staff you have today.

Low fees and 30,000+ funds

For about half of what you might pay with a large financial institution, we give you investment options from nearly every fund on the market, as well as Roth, Traditional, 403(b), safe harbor, or profit sharing 401(k) plans. Grow savings efficiently by offering access to Admiral shares and other ultra low-cost fund options. Your startup may even be eligible for up to $1,500 in tax credits for setting up a new plan.

Learn more about our transparent pricing

Automate the HR work

Getting started with a 401(k) can be confusing for employees. An easy interface and phone support make it easy for them to confidently manage their savings. We offer automated investment advising through Human Interest Advisors, an SEC-registered investment adviser, at no additional cost. Through Human Interest Advisors, we also serve as a plan fiduciary, which means we always put your employees’ best interests first and never receive kickbacks from any funds.

Learn more about our investment philosophy

Interested in you

Our focus is on you: the small businesses across the United States. Whether your company has two people or two hundred, we stand by our commitment to helping you provide your employees with an affordable, personalized retirement savings plan.

Learn more about our clients