Skip to main
Human Interest LogoHuman Interest Logo
Get started

Your 401(k) provider should do the work

Human Interest reduces your workload, lowers your compliance risk, and helps you save money

Essentials

The basics, done right
$80
/mo base
+$5/mo per eligible employee
Affordable 401(k) to get your team saving.
Get started
  • Integration With 600+ Payrolls
  • U.S.-Based Support
  • Customer Experience Guarantee
  • Employee Cash Back Incentive
+$0 Transaction fees

Complete

Less on your plate
$180
/mo base
+$7/mo per eligible employee
End-to-end 401(k) that takes on the burden of compliance, so you don’t have to.
Get started
Includes all Essentials features, plus:
  • 3(16) Fiduciary Services
  • IRS Form 5500 Signed & Filed
  • ERISA Fidelity Bond
  • Loan & Distribution Approval
  • Employee Disclosures Prepared & Sent
+$0 Transaction fees
Most popular

Concierge

Fully managed plan
$280
/mo base
+$9/mo per eligible employee
The ultimate 401(k) - dedicated service, compliance oversight, plus tax and audit savings
Get started
Includes all Complete features, plus:
  • Named Account Manager
  • Compliance Monitoring
  • DOL Audit Defense
  • Tax Savings Maximizer
  • Audit Relief®
+$0 Transaction fees

A one-time setup fee of $499 may apply. A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee’s account according to the HII Terms of Service and HIA Terms of Service. Learn more.

Compare plans by feature

Essentials
Get started
Complete
Get started
Most popular
Concierge
Get started

Easy Administration

Integration with 600+ payrolls: included in Essentials
Integration with 600+ payrolls: included in Complete
Integration with 600+ payrolls: included in Concierge
Payroll contributions processed automatically, employee data kept in sync — no manual file uploads See all payrolls
Fund lineup management: included in Essentials
Fund lineup management: included in Complete
Fund lineup management: included in Concierge
Human Interest Advisors (HIA) selects investment options available in your plan, monitors performance, and assumes fiduciary liability2 Investment philosophy and fund lineup
Loan & distribution approval: not included in Essentials
Loan & distribution approval: included in Complete
Loan & distribution approval: included in Concierge
We approve employee loans & distributions — so you don’t have to 3(16) Fiduciary services
Employee Data Alerts: not included in Essentials
Employee Data Alerts: not included in Complete
Employee Data Alerts: included in Concierge
We continuously monitor employee data and flag errors and inconsistencies Employee Data Alerts
Tax Savings Maximizer: not included in Essentials
Tax Savings Maximizer: not included in Complete
Tax Savings Maximizer: included in Concierge
We help you file for up to $16,500 in tax credits3 on your plan Tax Savings Maximizer

Covered Compliance

IRS Form 5500 signed & filed: not included in Essentials
IRS Form 5500 signed & filed: included in Complete
IRS Form 5500 signed & filed: included in Concierge
We sign, file, and own the deadline for your annual IRS Form 5500 (and any associated penalties), at no cost to you 3(16) Fiduciary services
ERISA fidelity bond: not included in Essentials
ERISA fidelity bond: included in Complete
ERISA fidelity bond: included in Concierge
We procure and pay for the required ERISA fidelity bond to protect your plan assets
Compliance monitoring: not included in Essentials
Compliance monitoring: not included in Complete
Compliance monitoring: included in Concierge
We test your plan mid-year and flag risks early, so you have time to course-correct 360 Degree Compliance Monitoring
Notice Delivery Protection: not included in Essentials
Notice Delivery Protection: not included in Complete
Notice Delivery Protection: included in Concierge
We prepare and deliver required employee disclosures and notices on your behalf and send via paper mail when needed Notice Delivery Protection
DOL Audit Defense: not included in Essentials
DOL Audit Defense: not included in Complete
DOL Audit Defense: included in Concierge
If you get audited by the government, we cover up to $50k in expenses4 DOL Audit Defense
Audit Relief®: not included in Essentials
Audit Relief®: not included in Complete
Audit Relief®: included in Concierge
We cover the cost of annual CPA audits5 required for plans with more than 100 participants ($10,000–$15,000 value) Audit Relief®

Dedicated Service

U.S.-based support from our employees: included in Essentials
U.S.-based support from our employees: included in Complete
U.S.-based support from our employees: included in Concierge
Staffed by people trained in retirement regulations — not an offshore or outsourced call center reading from a script
Customer Experience Guarantee: included in Essentials
Customer Experience Guarantee: included in Complete
Customer Experience Guarantee: included in Concierge
Our service standards are measurable and published, with compensation owed to you if they’re missed6 Customer Experience Guarantee
Named Account Manager: not included in Essentials
Named Account Manager: not included in Complete
Named Account Manager: included in Concierge
Your account manager runs periodic reviews and proactively flags things you need to know about

Delightful Experience

Employee cash back incentive: included in Essentials
Employee cash back incentive: included in Complete
Employee cash back incentive: included in Concierge
Lower-wage employees receive 3% cash back7 for saving (up to $250) — at no cost to you (k)ickstart®
Easy enrollment: included in Essentials
Easy enrollment: included in Complete
Easy enrollment: included in Concierge
Employees are enrolled automatically — no action needed — or can customize their setup in a few clicks Auto-enrollment
Diversified investment options: included in Essentials
Diversified investment options: included in Complete
Diversified investment options: included in Concierge
If bundled with HIA’s investment services, employees can use pre-built model portfolios or build a custom portfolio from their plan’s investment lineup8 Investment philosophy and fund lineup
Fast access to savings: included in Essentials
Fast access to savings: included in Complete
Fast access to savings: included in Concierge
Employee distributions and loan disbursements paid within two business days Customer Experience Guarantee
Rollover support: included in Essentials
Rollover support: included in Complete
Rollover support: included in Concierge
Employees can consolidate old 401(k)s to see their full retirement picture in one place Rollover Concierge

Simple Pricing

Simple fee structure: included in Essentials
Simple fee structure: included in Complete
Simple fee structure: included in Concierge
Employers pay a flat monthly base fee plus a per-employee fee. Employees pay a percentage of assets.
Zero transaction fees for employers: included in Essentials
Zero transaction fees for employers: included in Complete
Zero transaction fees for employers: included in Concierge
Employers pay $0 in transaction fees9 for plan amendments, profit-sharing, and annual IRS form preparation Zero Transaction Fees
Zero transaction fees for employees: included in Essentials
Zero transaction fees for employees: included in Complete
Zero transaction fees for employees: included in Concierge
Employees pay $0 in transaction fees9 on loans, distributions, rollovers, and check reissues Zero Transaction Fees
Price Match Guarantee: included in Essentials
Price Match Guarantee: included in Complete
Price Match Guarantee: included in Concierge
We match verified offers on a comparable retirement plan10 — so you know you’re getting the best price Price Match Guarantee
Get started

Easy Administration

Payroll contributions processed automatically, employee data kept in sync — no manual file uploads See all payrolls
Human Interest Advisors (HIA) selects investment options available in your plan, monitors performance, and assumes fiduciary liability2 Investment philosophy and fund lineup
We approve employee loans & distributions — so you don’t have to 3(16) Fiduciary services
We continuously monitor employee data and flag errors and inconsistencies Employee Data Alerts
We help you file for up to $16,500 in tax credits3 on your plan Tax Savings Maximizer

Covered Compliance

We sign, file, and own the deadline for your annual IRS Form 5500 (and any associated penalties), at no cost to you 3(16) Fiduciary services
We procure and pay for the required ERISA fidelity bond to protect your plan assets
We test your plan mid-year and flag risks early, so you have time to course-correct 360 Degree Compliance Monitoring
We prepare and deliver required employee disclosures and notices on your behalf and send via paper mail when needed Notice Delivery Protection
If you get audited by the government, we cover up to $50k in expenses4 DOL Audit Defense
We cover the cost of annual CPA audits5 required for plans with more than 100 participants ($10,000–$15,000 value) Audit Relief®

Dedicated Service

Staffed by people trained in retirement regulations — not an offshore or outsourced call center reading from a script
Our service standards are measurable and published, with compensation owed to you if they’re missed6 Customer Experience Guarantee
Your account manager runs periodic reviews and proactively flags things you need to know about

Delightful Experience

Lower-wage employees receive 3% cash back7 for saving (up to $250) — at no cost to you (k)ickstart®
Employees are enrolled automatically — no action needed — or can customize their setup in a few clicks Auto-enrollment
If bundled with HIA’s investment services, employees can use pre-built model portfolios or build a custom portfolio from their plan’s investment lineup8 Investment philosophy and fund lineup
Employee distributions and loan disbursements paid within two business days Customer Experience Guarantee
Employees can consolidate old 401(k)s to see their full retirement picture in one place Rollover Concierge

Simple Pricing

Employers pay a flat monthly base fee plus a per-employee fee. Employees pay a percentage of assets.
Employers pay $0 in transaction fees9 for plan amendments, profit-sharing, and annual IRS form preparation Zero Transaction Fees
Employees pay $0 in transaction fees9 on loans, distributions, rollovers, and check reissues Zero Transaction Fees
We match verified offers on a comparable retirement plan10 — so you know you’re getting the best price Price Match Guarantee

Estimate your plan costs

Starting fresh

Start a 401(k)

Explore tax credits that can reduce — or even eliminate — the first three years of plan expenses.
  • Instant cost estimate
  • Three service level options
  • Up to $16,500 in startup tax credits
Estimate your cost
Switching providers

Get a better 401(k)

We’ll benchmark your plan’s fees and features against Human Interest for free — and map out a smooth transition.
  • Side-by-side fee benchmark
  • Transaction fee & fund review
  • White-glove migration in as few as 8 business days
Get a free plan benchmark

How our pricing works

Employers pay

A flat monthly fee

One predictable fee covers everything it takes to run your plan — no asset-based admin fees.
Example: Essentials, 10 employees
Base fee
$80 / mo
Per eligible employee
$5 / mo × 10 employees
$50 / mo
Your total
Essentials
As low as
$130 / mo
Your monthly cost depends on two things:
1. The number of eligible employees in your plan
2. The service level you choose
This example assumes 10 employees and Essentials.
+
Employees pay

A percentage of assets

Employees pay asset-based fees for advisory services and recordkeeping.
Advisory services
Human Interest Advisors (HIA)
0.01% / mo
Recordkeeping
Human Interest Inc. (HII)
0.05% / mo
Total Human Interest fees
0.06% / mo
Fund fees are separate
Like any 401(k), the funds in employee accounts carry their own expense ratios — set by the fund managers, not by us.
See HIA’s fund lineup and investment philosophy ›

Why Concierge is our most popular plan

It takes the burden off the employer and unlocks savings that can help cover its cost

Don’t take on a second job

Spend minutes per month, not hours12

Human Interest
The old way
Employee data accuracy
We keep employee data in sync with payroll
You have to catch errors yourself
Employee contributions
We process contributions automatically
You manually upload files every pay period
Fund lineup
We select investments, monitor performance, and take on the fiduciary liability13
You find external advisors to manage your fund lineup, and still retain some liability
Loans & distributions
We handle approvals when employees request a loan or distribution
You review and approve every request
Tax credits
We provide all the IRS calculations to your CPA
You do your own calculations

Employee data accuracy

Human Interest

We keep employee data in sync with payroll

The old way

You have to catch errors yourself

Employee contributions

Human Interest

We process contributions automatically

The old way

You manually upload files every pay period

Fund lineup

Human Interest

We select investments, monitor performance, and take on the fiduciary liability13

The old way

You find external advisors to manage your fund lineup, and still retain some liability

Loans & distributions

Human Interest

We handle approvals when employees request a loan or distribution

The old way

You review and approve every request

Tax credits

Human Interest

We provide all the IRS calculations to your CPA

The old way

You do your own calculations

Eliminate surprises

$0 added cost for annual compliance

Human Interest
The old way
Form 5500 filing
We sign, file, and own the liability
You file and own the penalties
Compliance monitoring
We test your plan mid-year and flag risks early
You get tested at year-end, when it’s hard to course-correct
Required employee disclosures
We prepare and deliver notices for you
You track deadlines and send communications
ERISA fidelity bond
We source and pay for your bond, at no added cost
You find a bond and pay for it out of pocket
Audit costs
We cover the cost of large plan and DOL audits14
You front the bill

Form 5500 filing

Human Interest

We sign, file, and own the liability

The old way

You file and own the penalties

Compliance monitoring

Human Interest

We test your plan mid-year and flag risks early

The old way

You get tested at year-end, when it’s hard to course-correct

Required employee disclosures

Human Interest

We prepare and deliver notices for you

The old way

You track deadlines and send communications

ERISA fidelity bond

Human Interest

We source and pay for your bond, at no added cost

The old way

You find a bond and pay for it out of pocket

Audit costs

Human Interest

We cover the cost of large plan and DOL audits14

The old way

You front the bill

Count on customer service

Get a named Account Manager and guaranteed response times

Human Interest
The old way
Continuity
We give you a named Account Manager who knows your plan
You start over with a different rep every call
Education
We walk you through 401(k) requirements
You are left to figure things out on your own
Employee support
We answer with U.S.-based, trained employees
You reach an outsourced call center, reps reading from a script
Service benchmarks
We guarantee our service standards, with compensation if we miss15
You have no standards to hold anyone to

Continuity

Human Interest

We give you a named Account Manager who knows your plan

The old way

You start over with a different rep every call

Education

Human Interest

We walk you through 401(k) requirements

The old way

You are left to figure things out on your own

Employee support

Human Interest

We answer with U.S.-based, trained employees

The old way

You reach an outsourced call center, reps reading from a script

Service benchmarks

Human Interest

We guarantee our service standards, with compensation if we miss15

The old way

You have no standards to hold anyone to

Offer a plan you’re proud of

No proprietary funds. Savings incentive based on income.

Human Interest
The old way
Employee enrollment
Simple — just a few clicks
Complicated, multi-step forms filled out by hand
Investments
Low cost strategies, rigorous fund selection process
Steered into provider’s own funds, creating a conflict of interest
Loans & distributions
Deposited into your bank account — 2 business days, no added cost
Wait up to 10 days for a mailed check, pay an added fee
Rollovers
A dedicated rep manages the end-to-end process for you, no added cost
Get a paper check from your old provider, deposit it yourself, pay an added fee
Employee cash back
3% cash back, based on income16
None

Employee enrollment

Human Interest

Simple — just a few clicks

The old way

Complicated, multi-step forms filled out by hand

Investments

Human Interest

Low cost strategies, rigorous fund selection process

The old way

Steered into provider’s own funds, creating a conflict of interest

Loans & distributions

Human Interest

Deposited into your bank account — 2 business days, no added cost

The old way

Wait up to 10 days for a mailed check, pay an added fee

Rollovers

Human Interest

A dedicated rep manages the end-to-end process for you, no added cost

The old way

Get a paper check from your old provider, deposit it yourself, pay an added fee

Employee cash back

Human Interest

3% cash back, based on income16

The old way

None

Get simple, predictable pricing

Simple, predictable pricing. No added fees.

Human Interest
The old way
Pricing
Simple fee structure, published on our pricing page
Fees hard to understand, scattered in multiple places
Employer fees for amendments, form preparation
$0
Charged per transaction ($750 – $1,500)
Human Interest was the first to eliminate these fees
Employee fees for distributions, loans, rollovers
$0
Charged per transaction ($15 – $500)
Human Interest was the first to eliminate these fees
Price matching
Offers on a comparable plan are matched17 — so you get the best price
None

Pricing

Human Interest

Simple fee structure, published on our pricing page

The old way

Fees hard to understand, scattered in multiple places

Employer fees for amendments, form preparation

Human Interest

$0

The old way

Charged per transaction ($750 – $1,500)
Human Interest was the first to eliminate these fees

Employee fees for distributions, loans, rollovers

Human Interest

$0

The old way

Charged per transaction ($15 – $500)
Human Interest was the first to eliminate these fees

Price matching

Human Interest

Offers on a comparable plan are matched17 — so you get the best price

The old way

None
See the New 401(k) Standard

Get a 401(k) and let us do the work

Get started in minutes
or
Talk to an expert

Pricing questions

Notes

1

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. An automatic rollover feature is available as an optional add-on to all plans for +$10/mo. With this feature, terminated employees with low balances are automatically rolled into an IRA.

2

Fund lineup management is provided through Human Interest Advisors LLC, to plans that select HIA as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on these investment advisory services, please visit https://www.humaninterest.com/hia/.

3

Tax Savings Maximizer covers the retirement plans startup costs tax credit. IRS.gov. 2026.

4

DOL Audit Defense is available for customers on our Concierge plan. Up to $50,000 in qualified expense coverage such as attorney or CPA fees. For more information on Human Interest’s DOL Audit Defense read our terms and conditions.

5

Audit Relief® excludes additional fees charged by the Auditor related to the Plan sponsor’s or Auditor’s errors, delays, fraud or other administrative issues (e.g., missed or late payroll contributions) or related to atypical events or demographics during the Audit Year (e.g., mergers or spin-offs, multiple payroll providers, controlled groups, or leaving Human Interest). Additional terms and conditions apply, see terms and conditions.

6

Our Customer Experience Guarantee is available on all plans. See terms and conditions.

7

3% cash back is available to eligible individuals making $60,000 or less in gross income and contributing at least 8% of every paycheck to an eligible Human Interest plan over a 12-month period. Must submit a claim form to claim the award. Minimum award is $100 and max is $250. Additional requirements apply. See terms and conditions. This program is administered and offered by Human Interest, and Human Interest’s asset-based fees will increase if you participate in this program. If Human Interest’s wholly owned subsidiary and registered investment adviser, Human Interest Advisors LLC (“HIA”), provides services to the Plan, HIA’s asset-based fees will also increase if you participate in this program.

8

Diversification does not ensure a profit or protect against loss. Model Portfolios are available to plans that select Human Interest Advisors (HIA) as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on HIA’s investment advisory services, please visit https://www.humaninterest.com/hia/.

A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee’s account according to the HII Terms of Service 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. As of 12/31/2025, figure represents the weighted average of monthly fund net expenses (“expense ratio”) for participants in new 401(k) plans launched after 8/4/25 and invested in Human Interest Advisors' Model Portfolios (“Models”). The weighted average monthly expense ratio for participants invested in Models within 401(k) plans ranges from .003-.004% and within 403(b) plans it ranges from 0.005-0.006%. Provided for illustrative purposes only. Actual, average fund expenses a participant experiences vary based on the specific Model selected, allocation changes to Models, whether participants opt out of Models and choose their own investments and allocations, or allocation drift, especially in volatile markets. Model allocations and underlying fund expenses are subject to change. Before investing, carefully review the fund’s prospectus, factsheet, and/or participant fee disclosure, which includes, among other things, a description of fees and expenses a fund will charge.

9

Zero transaction fees for employers and employees applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.

10

Our Price Match Guarantee is available on all plans. See terms and conditions.

11

Plan setup time based on internal analysis of existing plans transitioning to Human Interest, starting from plan setup through to the plan being ready for employee enrollment. Actual time to set up a plan may differ.

12

Actual time spent on monthly plan administration may differ. Human Interest internal data as of February 28, 2025. Calculations are based on customer information, including 50 hours of 401(k) administration management per year and one hour of payroll management per pay cycle.

13

Investment Advisory services are provided through Human Interest Advisors LLC (HIA) to plans that select HIA as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit https://www.humaninterest.com/hia/.

14

DOL Audit Defense and Audit Relief® are available to customers on our Concierge plan. DOL Audit Defense covers up to $50,000 in qualified expense coverage such as attorney or CPA fees. For more information on Human Interest’s DOL Audit Defense read our terms and conditions. Audit Relief® excludes additional fees charged by the Auditor related to the Plan sponsor’s or Auditor’s errors, delays, fraud or other administrative issues (e.g., missed or late payroll contributions) or related to atypical events or demographics during the Audit Year (e.g., mergers or spin-offs, multiple payroll providers, controlled groups, or leaving Human Interest). Additional terms and conditions apply, see terms and conditions.

15

Our Customer Experience Guarantee is available on all plans. See terms and conditions.

16

3% cash back is available to eligible individuals making $60,000 or less in gross income and contributing at least 8% of every paycheck to an eligible Human Interest plan over a 12-month period. Must submit a claim form to claim the award. Minimum award is $100 and max is $250. Additional requirements apply. See terms and conditions. This program is administered and offered by Human Interest, and Human Interest’s asset-based fees will increase if you participate in this program. If Human Interest’s wholly owned subsidiary and registered investment adviser, Human Interest Advisors LLC (“HIA”), provides services to the Plan, HIA’s asset-based fees will also increase if you participate in this program.

17

Our Price Match Guarantee is available on all plans. See terms and conditions.

18

Any joint discounts offered through our partners apply exclusively to Human Interest Inc. services. These discounts do not apply to services provided by Human Interest Advisors.