Company update:

Captain401 is now Human Interest!

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We believe in transparent and fair pricing. Our model is designed very intentionally to do three specific things:

  • Make it affordable for employers to offer a 401(k) without hiding any fees in the fine print.
  • Keep fees low for employees, in addition to providing advising, so they can save as much money as possible.
  • Charge enough so that we don’t cut corners in the administration and security of your 401(k).

We’re in it with you and your employees for the long haul: just as saving and investing should be!


We are a low-cost, high-service 401(k) provider. For perspective, we can help you offer a retirement savings plan for your entire company for less than the cost of a single employee’s health insurance!

Learn more about our investment philosophy

Employer price breakdown

Base price
Per month
Per employee
Per month

One-time setup fee of $499 may apply.

Automated administration

  • Automated 401(k) administration, payroll sync, and recordkeeping
  • Automated signup and onboarding for new and existing employees

HR & compliance services

  • IRS Form 5500 and plan document preparation and filing
  • Participant disclosures, QDIA, and annual plan notifications
  • IRS non-discrimination testing and monitoring

Full account support & customization

  • Dedicated account manager
  • Flexible plan design and options: safe harbor, profit-sharing, Roth & Traditional, 403(b), vesting, automatic enrollment, eligibility, discretionary match, etc.
  • Seamless conversion process for existing 401(k) plans

Employee price breakdown

Of account balance
Per year
Average fund fees

Compared to 1.89% average for small 401(k) plans. Source: 401(k) Averages Book, 18th Edition.

401(k) account designed for employees

  • 15-minute online signup process
  • Check your balance or change your contributions online at any time
  • Support for loans and hardship withdrawals
  • Free incoming and outgoing qualified rollovers
  • Ongoing email and phone support

Investment advising services

  • Automated investment advising and portfolio rebalancing
  • Financial literacy training and resources
  • Access to low-cost index funds and 30,000+ fund options from Charles Schwab, Vanguard, BlackRock, Fidelity, etc.
  • 3(38) or 3(21) fiduciary status to protect your assets
  • Investment advising and fiduciary status are provided through Human Interest Advisors, LLC

Low-cost 401(k) with transparent pricing

Sign up for an affordable and easy-to-manage 401(k).

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