An OpenWorks approved vendor.

See Human Interest's affordable, easy-to-use 401(k) plans. We're excited to work with your franchise business!

A retirement plan your employees will thank you for.

Strengthen your benefits offering to help address a tough talent market. Providing employees with an easy-to-use 401(k) plan is key when competing for great talent.


Get access to integration with 400+ payroll providers. We sync to payroll, handle record keeping, and monitor compliance so clients don’t have to.1

Compliance & liability

Depending on your plan, we can take on some of the responsibility and liability as a 3(16) Fiduciary Services Provider, handling the day-to-day operation and most compliance-related tasks.2

Access to funds

You as an employer can access mutual funds from every major asset category.


Through an advisor portal, you can monitor and prepare for plan reviews.

Advantages for OpenWorks franchise owners

A Human Interest 401(k) can help you:

Recruit top talent with a competitive benefits offering.

Reduce turnover by engaging and rewarding your current employees.

Maximize tax savings for your business.

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Your all-in-one 401(k) solution

Affordability. Our transparent pricing model has no transaction fees.

Ease of use. Our simple, intuitive interface enables employees to sign up within minutes and navigate to built-in tools and resources.

High-touch service. With our Concierge plan, a dedicated contact guides you from contract renewal through ongoing plan monitoring.

Ongoing education. Employees have 24/7 access to our Learning Center and financial wellness tools. Enrollment webinars in English and Spanish.

Integration. Our solution integrates with over 400+ leading payroll providers.1

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Transparent pricing

We offer bundled, small-plan 401(k) solutions at a low cost with zero transaction fees.

OpenWorks Plan - Concierge


per month base fee


per participating 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.

Comply with retirement legislation

Across the country, several states are requiring employers to offer retirement benefits.

Starting a 401(k) can help you comply with legislation and avoid costly penalties. We can help.

Read about state laws

Resources for franchise owners

Franchises + 401(k)s

Discover the potential benefits of offering your franchise employees a retirement benefit.

Read more

Integrating your payroll

Integrate your payroll and retirement benefit to help reduce administrative headaches.

Read more

401(k) & part-time employees

What to know when considering offering retirement benefits to part-time employees.

Read more

Start your 401(k) in a few easy steps


Provide your information

Enter basic details


Customize your plan

Choose from flexible designs


Launch your 401(k) plan

We'll connect & launch your plan



Refer to for a list of integrated payroll providers.


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