Low-cost 401(k) with transparent pricing
Sign up for an affordable and easy-to-manage 401(k).
Learn MoreCompany update:
Human Interest
The Human Interest Blog
Pricing
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!
Pricing
breakdown
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 philosophyEmployer price breakdown
$120
Base price
Per month
+
$4
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
0.50%
Of account balance
Per year
+
0.07%
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