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A 401(k) Alternative to MarylandSaves

See how a 401(k) compares to MarylandSaves.

Is your company looking for an alternative to MarylandSaves? 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.

In-house recordkeeping

Automated plan administration tracks participation, contributions, distributions, and more.

Regulatory support

We help reduce 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.

Learn how a Human Interest 401(k) compares to MarylandSaves

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.

Starting at


per month base fee


per eligible employee

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Employee fee: A Human Interest Advisory Fee of 0.50% of plan assets per year of a participant's balance billed according to the Terms of Service.

A MarylandSaves Alternative

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

Reduce manual work in processing contributions. Integration with 400+ payroll providers streamlines essential tasks.3

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 Maryland 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.2

Calculate the cost of starting a 401(k)

See what customers say

CloudTrucks Logo

Our team had to be incredibly focused to achieve what we achieved this year. Being able to launch a great benefits package and then not give it a second thought was just what we needed. It allowed us to focus on what mattered.

Alison Hunter

Head of People Operations at CloudTrucks

Kevin Cradock Builders Logo

The first time I saw the Human Interest website, I felt an immediate sense of trustworthiness. Everything just works.

Nancy Pichera

Business Manager at Kevin Cradock Builders

Easy Mile Fitness

For some employees, this is the first retirement benefit they’ve received through work and our employees are able to sign up and see the power and impact saving for retirement can have.

Peter Amato

CFO and Managing Partner at Easy Mile Fitness

Human Interest solicited clients for testimonials. Active solicitation may make a customer more likely to portray Human Interest favorably. Testimonials are unique to an individual, may not be representative of the experience of others, and past success does not guarantee future results. Read our full disclosures here.

Clear, affordable 401(k) pricing

Customized retirement plans start at $120 per month + $4 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.


Refer to for a list of integrated payroll providers.




Program Details.


A Human Interest Advisory Fee of 0.50% of plan assets per year of a participant's balance billed according to the Terms of Service.