A 401(k) Alternative to CalSavers
Upgrade your retirement plan from Calsavers to Human Interest.
Join thousands of California businesses that use Human Interest as their retirement plan provider. Choose an affordable retirement plan that can help your business get peace of mind and meet state mandate requirements.
CalSavers vs. Human Interest:
Which one is right for you?
Transform your California business benefits with a 401(k)
Choose a plan that fits your business, not the other way around.
Scale with confidence
As your business grows, your retirement plan should grow with it. With Human Interest, you can tailor your 401(k) plan to align with your company’s evolving needs—whether you choose a pre-built plan or create a custom one. Easily modify features like eligibility requirements, employer matching, and profit sharing without incurring extra costs.
Empower your best talent
A 401(k) is one of the most sought-after benefits by today’s workforce. Offering a strong retirement plan is essential to attract and retain top talent. Human Interest’s 401(k) allows employees to save more with higher contribution limits and provides flexible options like loans or hardship withdrawals for personal emergencies.
Maximize your investment potential
Human Interest empowers investors at every level, from beginners to seasoned professionals, with greater control over their investments. Unlike CalSavers, Human Interest offers a wide range of mutual funds across nearly every major asset class, enabling you to customize your investment strategy based on your risk tolerance.
CalSavers Roth IRA Human Interest 401(k)Learn how a Human Interest 401(k) compares to CalSavers
$7,500 contribution limit.
$8,600 if 50 and older.1$24,500 contribution limit.
$32,500 if 50 and older.2 Few payroll integration partners. 500+ payroll integration partners.3 75+ hours of administration work on average per year.4 Administrative and payroll processing time savings can equal $7,500 per year.4 Little flexibility with rigid rules around lower contribution limits and one-size-fits-all plan features. Adaptable and scalable, including profit sharing, higher contribution limits, safe harbor, and more! Very little to no support. Award-winning, dedicated customer support. Our US-based, 250-person team is ready to assist with any questions or concerns. Zero access to tax credits or sheltering opportunities. Claim tax deductions on employer contributions, reducing your taxable income. Plus, new plans can qualify for up to $16,500 in tax credits over three years.5
Get a smarter retirement solution with Human Interest
Get StartedCalifornia employers: See how much your new 401(k) plan really costs
Get tax credits up to $16,500 ($5,500/yr up to 3 years) for starting a new 401(k) plan with auto-enroll.5
Watch Now
Is CalSavers the right retirement solution?
Watch our webinar, “Is CalSavers the right retirement solution?” Marc Fowler, Human Interest’s Retirement Education Director, will cover relevant topics for employers including:
Why Calsavers may not be the best retirement solution for your business
The advantages of a 401(k) plan versus a state-sponsored IRA
How to choose the right retirement plan for your business needs
