Skip to main

Find the best plan for your business

A Human Interest Advisory Fee of 0.50% of plan assets per year is billed to the employee's account. A one-time setup fee of $499 may apply. All prices are exclusive of applicable taxes. 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.

With Human Interest, your employees can:

  • Open an account and start saving for retirement in a few easy steps

  • Access built-in investment education 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

Our Investment Philosophy

Our product is designed to:

  • Make retirement plans affordable for employers to help people in all lines of work.

  • Provide built-in investment education 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.

Get Started

Low-cost 401(k) with
transparent pricing

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

Get Started

Frequently asked questions

Have a question that's not answered here? Contact sales.



Human Interest, 2022


For information about Human Interest’s pricing, please refer to our Pricing Page, which describes the fees charged for administrative and advisory services. Fees for investment advisory services are billed according to the Terms of Service to Plans and recorded at the participant account level based upon a percentage of total assets under management. Fees are typically up to 0.50% annually, and include custody fees. Mutual fund annual operating expenses are established by each individual mutual fund and disclosed in the relevant prospectus, as well as through fee disclosures provided to Participants. Mutual fund fees are embedded in each mutual fund’s net asset value and are borne equally by each fund shareholder, including those plan participants who elect to purchase shares. The average fee for the mutual funds available through the Human Interest model is .07% per year, but is subject to change based upon the expenses set by each particular mutual fund.


The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in total assets is 1.64% of assets, according to the 21st Edition of the 401k Averages Book, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees, or any other asset-based charges.