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.

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Find the best plan for your business


Your affordable all-in-one 401(k) solution

$120 per month base fee

  +$4 per eligible employee


Flexible plan design1

Automated administration and recordkeeping

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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

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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

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Need help finding the right plan? Talk to a consultant

Employee pricing

per year2


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

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



Flexible plan design, including safe harbor plans, profit-sharing plans, Roth & Traditional 401(k)s, 403(b)s; vesting schedules, automatic enrollment, plan eligibility, optional discretionary employer matching contributions, etc. A one-time setup fee of $499 may apply. All prices are exclusive of applicable taxes. See our Terms of Service for additional details.


A Human Interest Advisory Fee of 0.50% of plan assets per year is billed quarterly to the employee's account. 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.


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.


Advisory services are offered by Human Interest Advisors LLC (HIA), a subsidiary of Human Interest Inc. HIA is a registered investment advisor with the Securities and Exchange Commission ("SEC"). SEC registration does not imply a certain level of skill or training. Additional Information can be found in the company's Form ADV Part 2A. For full disclosures, visit humaninterest.com/disclosures