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401(k) partner program

Human Interest Fabric™: Seamless white-labeled retirement solution.

Embed an award-winning 401(k) platform1 directly into your product with Human Interest Fabric—all at no extra cost to you.

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Human Interest powers 18,000 customers via our white label partners2

Human Interest FabricTM allows payroll providers, financial institutions, accountants, and other financial services providers to offer retirement plans by embedding Human Interest's modern 401(k) platform directly into their products, or branding our applications to make them their own . 

Fabric eliminates the need for organizations to invest in-house to create and maintain a retirement platform. Partner with the fastest-growing 401(k) provider with an award-winning customer experience. 1,3

Since launching the first version of Fabric in 2019, Human Interest has seen rapid adoption of the platform by its partners, with over 18,000 customers now using its embedded technology -  establishing Human Interest as the industry’s largest provider of white-label retirement plans.

Value, flexibility, technology

  • Full integration and functionality: Fabric functions seamlessly within a partner's native applications and workflows for a richer experience beyond simply branding.

  • Empowered participant experience: Employees can actively manage their retirement plan and instantly update enrollment, investments, or deferral rates right from within the finance and benefit apps they use every day. 

  • Visibility across the payroll lifecycle: Employers can use their payroll systems to track ACH debits, monitor contribution flows, and confirm funding status, ensuring better accuracy and control.

  • Co-branded or completely white-labeled:Fully brand the product as your own, or co-brand with Human Interest. You choose which experience best suits your needs.

  • Continuous innovation: We invest in and deliver new innovations to delight your customers so you can focus on your core business.

The "No-Cost Partnership Guarantee"

Human Interest is the only retirement provider to guarantee that partners will never pay an additional fee to use the Fabric platform. While other providers may charge millions in licensing fees for their white label platforms, you can confidently partner with Human Interest without fear of extra costs.

A local retirement partner you can lean on

Drive growth. We have dedicated Partner Account Managers across the country who can train and empower your salesforce to drive retirement plan growth. 

Stay competitive and strengthen your service offering. Offer an affordable, modern and award-winning retirement platform that helps meet your business goals and customer needs.

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Start a partnership for growth today.

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Disclosures

1. Human Interest was awarded the “Gold Stevie Award" medal in the 2025 Stevie AwardsⓇ for Sales & Customer Service in “Customer Experience.” The company was awarded a “Silver Stevie Award” in “Customer Service Employer of the Year.” Winners were determined by the average scores of more than 170 professionals worldwide in the three-month judging process. Read more about the winning organizations: https://stevieawards.com/sales/2025-stevie-award-winners#CustomerServiceTeam and criteria for the award here: https://stevieawards.com/aba/judging-awards-process. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.

2. Human Interest data as of November 24, 2025.

3. Human Interest calculations based on total DC plans added in 2024 as reported to PLANSPONSOR and using plan count data for other providers from "Provider Rankings" reported in the PLANSPONSOR 2025 Recordkeeping Survey.