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.
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
Dedicated account management for
a high touch service experience
$180 per month base fee
+$8 per eligible employee
Everything in Complete, plus:
Unlimited access to a dedicated relationship manager
A single point of contact for plan compliance and administration
No minimum requirements, additional fees, or meeting caps
Ongoing plan design consultation and document review
Need help finding the right plan? Talk to a consultant
average fund fees
Compared to 1.64% 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 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.
Low-cost 401(k) with transparent pricing
Sign up for an affordable and easy-to-manage 401(k).
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:
All of the steps involved to set up and manage according to ERISA requirements
Signing and submitting Form 5500 and other required government filings
You can switch at any time by contacting [email protected].
Have a question that's not answered here? Contact sales.