401(k)s with clear, affordable pricing
Human Interest makes it easy to offer retirement benefits, including a 401(k), 403(b), profit-sharing plan, or safe harbor plan.Get started
Find the best plan for your business
End-to-end 401(k) administration to reduce your liability
$150 per month base fee
+$6 per eligible employee
Everything in Essentials, plus:
Human Interest procures your ERISA bond
Human Interest serves as your plan administrator and 3(16) fiduciary
Human Interest signs and files your IRS documents
A dedicated account manager to guide you, monitor your plan, and assist with participant education
$150 per month base fee
+$8 per eligible employee
Everything in Complete, plus:
Dedicated account management
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0.50% per year2
+ 0.07% average fund fees
Compared to 1.89% average for small 401(k) plans.3
No matter which plan you choose, the cost to your employees remains the same. Read more about our investment philosophy.
With Human Interest, your employees can:
Open an account and start saving for retirement in a few easy steps
Access built-in investment advising and automatic portfolio rebalancing
Check balances or change contributions at any time
Receive phone and email support for rollovers, loans, and hardship withdrawals
Access low-cost funds from every major asset class and risk category
Our model is very intentionally designed to
Make retirement plans affordable for employers to help people in all lines of work.
Provide built-in investment advice for employees* while keeping fees far below the industry average.
Take care of administration, paperwork, and compliance so you can spend your time building your business, not managing your retirement plan.
Frequently asked questions
We bill for eligible employees, which means employees on payroll (not 1099s) who work roughly 20+ hours per week.
A 3(16) fiduciary is a service provider that is hired by the employer to handle the time-consuming administration of a 401(k), including: 1) All of the steps involved to set up and manage according to ERISA requirements, 2) Signing and submitting Form 5500 and other required government filings, and 3) Employee communications.
You can switch at any time by contacting [email protected].
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Notes and disclosures
Flexible plan design, including safe harbor plans, profit-sharing plans, Roth & Traditional 401(k)s, 403(b)s; vesting schedules, automatic enrollment, plan eligibility, optional discretionary employer matching contributions, etc. A one-time setup fee of $499 may apply.
A Human Interest Advisory Fee of 0.50% of plan assets per year is billed quarterly to the employee's account. In the event that the plan sponsor wants to bring in a third party advisor, the third party advisor fee would be defined as part of a separate agreement.
Source: 401(k) Averages Book, 18th Edition.
* Disclosure: Advisory services are offered by Human Interest Advisors LLC (HIA), a subsidiary of Human Interest Inc. HIA is a registered investment advisor with the Securities and Exchange Commission ("SEC"). SEC registration does not imply a certain level of skill or training. Additional Information can be found in the company's Form ADV Part 2A. For full disclosures, visit humaninterest.com/disclosures