Company update:

Captain401 is now Human Interest!

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How it works

Human Interest makes it easy to offer a low-cost, online 403(b) at your non-profit.

With Human Interest, you get a 403(b) with…

Easy Setup and Administration

Our plans are easy to start and even easier to use. Sign up online in just a few minutes.

Affordable, Transparernt Pricing

Our plans come with transparent pricing. Plan costs $120 per month + $4 per eligible employee, with a $499 setup fee.

Automated Features

Administrative aspects, like enrollment, payroll sync,* and compliance are streamlined or automated.

Dedicated Account Management

A dedicated account management team will oversee the set-up process and support your plan administrator, as well as employees.

Customized Investment Advice

Get personalized investment advice from an SEC-Registered Investment Adviser** who acts as a fiduciary, or choose to self-manage funds.

Quality Investment Options

Access low-cost Vanguard index funds from every major asset class and risk category.


403(b)s aren’t expensive anymore

  • What do employers pay?

    $120 per month base fee + $4 per employee per month.
  • What do employees pay?

    0.50% of account balance per year + 0.07% average fund fees.

We’re a 403(b) provider with affordable, transparent pricing. We can offer a retirement savings plan for less than the cost of a single employee’s health insurance. We act as a fiduciary, meaning we don’t accept kickbacks. We don’t have hidden fees. We act with your best interests in mind.


In just a few minutes, you can offer a 403(b) plan to your employees

  • Sign up – Complete company registration and other preliminary steps, such as establish an ACH connection to payroll.
  • Customize your plan – Work with your implementation manager to design your company’s plan, review and sign IRS plan documents, as well as review and approve census data.
  • Employees launch individual Human Interest accounts! Human Interest will send an email to your employees asking them to sign up. Employees can find details about the plan, check balances, set up contributions, initiate rollovers, take advantage of built-in investing. They’re now building their financial future.
  • Ongoing support – Your dedicated account management team will be there to support you along the way, including setup and with every employee change. You can reach us by phone or email for support.


Rest assured that we have your financial security and privacy top of mind

We offer bank-level security and encryption to protect data transfers from unauthorized access. We use state-of-the-art password hashing and encryption to protect personally identifiable information and will never sell your data to anyone.

About us

We believe that everyone deserves access to a secure financial future

That’s why we make it easy to provide a 403(b) at your nonprofit. You and your staff consistently go above and beyond. You deserve a retirement savings plan that does, too.

We are proud to serve more than 1,600 organizations across America, including schools, associations, cultural and advocacy groups, religious organizations, care and social welfare agencies, nonprofits in conservation and social justice, and more.