Safe harbor 401(k) plans for you & your team.
Start a safe harbor 401(k) to automatically pass important, annual IRS tests1
Why a safe harbor plan?
Focus on running your business. Not your 401(k).
All 401(k) plans must pass annual IRS tests to show they don't favor high-earning employees or owners.
Adding a safe harbor provision excuses your company from some key tests—while helping all employees maximize their contributions.
Safe harbor options to
meet your needs
Basic match option provides 100% match on the first 3% of employee contributions + 50% match on the next 2%.
Enhanced match options must match 100% on the first 4-6% of employee contributions and are most popular at Human Interest.3
Most employees covered
Nonelective options must provide a 3% contribution or more for each employee—whether they contribute or not.4
Start your safe harbor 401(k) todayGet Started
How much does it cost?
Human Interest plans come with transparent pricing and zero transaction fees. Employers have an affordable monthly rate and pay safe harbor contributions to their employees.
per month base fee
per eligible employee
A Human Interest Advisory Fee of 0.50% of plan assets per year is billed to the employee's account according to the Terms of Service. In the event that the plan sponsor wants to bring in a third-party advisor, the third-party advisor fee would be defined as part of a separate agreement.
Why should you add a safe harbor provision?
Less red tape for employers. More opportunity to save for employees.
Avoid administrative hassles: Safeguard your business from key nondiscrimination tests.
Empower employees to save: Employer matches can help boost participation rates.5
Avoid ADP and ACP testing: Safe harbor contributions help plans pass most annual tests.
Max out your savings: Safe harbor allows ALL participants to max out contributions without fear of refunds
401(k) plans designed for you and your employees
Complete safe harbor solutions for small business owners
Benefit from tax credits: 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.6
Reduce your manual work: Integration with 400+ payroll providers helps automate essential administrative tasks.7
Customize your plan: Flexible plan design means you can choose a safe harbor provision that meets your needs.
Start your safe harbor 401(k) in a few easy steps
Provide your information
Enter basic details
Customize your plan
Choose from flexible designs
Launch your 401(k)
We'll connect & launch your plan