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 provide support 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.

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.

A MarylandSaves 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.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)

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


Refer to https://humaninterest.com/payrolls/ for a list of integrated payroll providers.


Investments. Marylandsaves.com. https://marylandsaves.com/savers/investments


Program Details. Marylandsaves.com. https://marylandsaves.com/employers/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.