403(b) Retirement Plans

Affordable retirement plans for tax-exempt organizations.

Get a customized, full service 403(b) retirement plan with transparent pricing, and zero transaction fees.

Retirement plans are complex. Let Human Interest guide you.

Get support with meeting plan administration for a 403(b) retirement plan
for tax-exempt organizations.

Complete plan administration

We provide in-house recordkeeping services which track participation, contributions, distributions, and more.

Regulatory support

We reduce fiduciary liability by preparing select government filings. And for some clients, we sign and file the Form 5500.1

On-demand reporting

Get a 360-degree view of your plan, access reports, and see which employees have joined.

Plan compliance & testing

Don’t stress about IRS testing and regulatory deadlines. We’ll help handle them for you.

The SMB 403(b) with the most payroll integrations2

Help take the burden off your HR team. We sync with 500+ payrolls to help streamline administrative tasks.

A 403(b) may be more affordable than you think.

Human Interest plans come with transparent pricing - and zero transaction fees.

Monthly pricing starting at only:


base fee


per eligible employee

Get Started

An investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets and a separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Both fees are deducted on a monthly basis from the employee's account according to the HII 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. For more information, please see our pricing page.

403(b) BUILT FOR Nonprofits

Focus on helping your cause. Not your 403(b) plan.

Recruit & retain top talent. A Human Interest study found that a retirement plan is the most-wanted benefit, after health insurance.3

Easy to start, easy to use. Admin dashboards provide insight into plan participation, reporting, and more. 

Reduce manual work. In-house recordkeeping and compliance—plus select 3(16) fiduciary services depending on your plan.

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Help your team save for the future

Give your employees the 403(b) they deserve.

Easy onboarding. Employees can sign up in minutes—no paperwork, no confusion.

Easy-to-navigate dashboard. Employees can quickly check balances and update preferences. 

Built-in education. Enrollment webinars and online resources help your team get the most from plans.

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Clear, affordable 403(b) pricing

Customized retirement plans start at $120 per month + $5 per employee per month.

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403(b) retirement resources

Compare 403(b)s vs. 401(k)s

See the pros and cons between 403(b)s and 401(k)s for your organization.

Start comparing

Investment philosophy

Employees can access mutual funds in every major asset category.

View our fund lineup

How to set up a 403(b)

Learn how to start and maintain a 403(b) retirement plan for your organization.

Learn how to set up a 403(b)

403(b) retirement plans
frequently asked questions



We prepare select government filings (e.g., the Form 5500). Signing on behalf of customer reserved for Concierge & Complete pricing plans.


Human Interest, 2022.


401(k) plans are the most-wanted benefit after health insurance. Human Interest, 2022. https://humaninterest.com/learn/guides/retirement-roadblocks/