A 401(k) Alternative to Colorado SecureSavings

See how a 401(k) compares to SecureSavings.

Is your company looking for an alternative to Colorado's SecureSavings plan? A Human Interest 401(k) is an affordable option that meets state requirements.

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Retirement plans are complex. Let Human Interest guide you.

Get guidance on 401(k) plan administration, IRS testing, and government filings for your Colorado business with expertise from Human Interest.

In-house recordkeeping

Automated plan administration tracks 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.

Stay compliant. Learn about upcoming deadlines.

Employers found to be non-compliant will be fined up to $100 per eligible employee per year, not to exceed an aggregate amount of $5,000 in a calendar year.1

Learn how a Human Interest 401(k) compares to Colorado SecureSavings

A 401(k) may be more affordable than you think.

Human Interest plans come with transparent pricing, a $499 setup fee, and zero transaction fees.

Monthly pricing starting at only:


base fee


per eligible employee

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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.

The SMB 401(k) with the most payroll integrations5

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

A Colorado SecureSavings Alternative

Focus on running your business. We’ll help with your retirement plan.

Reduce manual work in processing contributions. Integration with 500+ payroll providers streamlines essential tasks.5

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

Automate administration. We offer recordkeeping and compliance—plus select fiduciary services depending on your plan.

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A 401(k) may mean more tax credits for Colorado employers.

Eligible employers may be eligible for tax credits of up to $5,000/year for three years for setting up a new 401(k) + $500/year for three years for setting up auto-enrollment.3

Calculate the cost of starting a 401(k)

Clear, affordable 401(k) pricing

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

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


Retirement Plans Startup Costs Tax Credit. IRS.gov. https://www.irs.gov/retirement-plans/retirement-plans-startup-costs-tax-credit


Human Interest, 2023. For a full list of payroll integrations please visit: https://humaninterest.com/payrolls/


See our pricing page for more details: https://humaninterest.com/pricing/


For information about Human Interest Advisors' 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. Fees are typically up to 0.50% annually, and include custody fees.


Colorado SecureSavings investment options. ColoradoSecureSavings.com. https://coloradosecuresavings.com/savers/investments


Are there any fees for employers to participate? ColoradoSecureSavings.com. https://coloradosecuresavings.com/faqs/are-there-any-fees-for-employers-to-participate