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2,700+ five-star ratings • Most of any provider

Give your employees the highest-rated 401(k)

We listened and built what employers actually need — a new standard for retirement.

On G2, Google, and Trustpilot, as of 6/9/26. “Highest-rated” on G2. Client reviews incentivized with non-cash compensation. See more.

A smiling man standing in an office, featured as a Maxx Potential customer from Richmond, VA.

Maxx Potential

Richmond, VA

90 employees, customer for 5 years

A smiling woman standing in an office, featured as Becky's PetCare customer from Springfield, VA.

Becky's PetCare

Springfield, VA

70 employees, customer for 3 years

A smiling woman standing in a building, featured as Habitat for Humanity customer from Park City, UT.

Habitat for Humanity of Summit and Wasatch Counties

Park City, UT

30 employees, customer for 1 year

Trusted by 47,000+ businesses

Human Interest set
The New 401(k) Standard

That's why we launch 1 in 3 new 401(k) plans, the most of any provider4

Don't take on a second job

Spend minutes per month, not hours5

Human Interest
The old way
Employee data accuracy
We keep employee data in sync with payroll
You have to catch errors yourself
Employee contributions
We process contributions automatically
You manually upload files every pay period
Fund lineup
We select investments, monitor performance, and take on the fiduciary liability6
You find external advisors to manage your fund lineup, and still retain some liability
Loans & distributions
We handle approvals when employees request a loan or distribution
You review and approve every request
Tax credits
We provide all the IRS calculations to your CPA
You do your own calculations

Employee data accuracy

Human Interest

We keep employee data in sync with payroll

The old way

You have to catch errors yourself

Employee contributions

Human Interest

We process contributions automatically

The old way

You manually upload files every pay period

Fund lineup

Human Interest

We select investments, monitor performance, and take on the fiduciary liability6

The old way

You find external advisors to manage your fund lineup, and still retain some liability

Loans & distributions

Human Interest

We handle approvals when employees request a loan or distribution

The old way

You review and approve every request

Tax credits

Human Interest

We provide all the IRS calculations to your CPA

The old way

You do your own calculations
See the New 401(k) Standard

You run your business.
We run your plan.

1You

Design your plan

Pick a popular option or customize your own.

2You

Connect your payroll and bank account

Find your payroll provider from our 600+ integrations and link your bank account.

3Human Interest

We handle the rest

Compliance, IRS filings, co-fiduciary oversight, employee support, and more.

Get started

Start a new 401(k) or switch to Human Interest from another provider.

I worked with two other 401(k) companies prior to Human Interest. We switched because they were so easy to work with. It’s seamless - they integrate with my payroll and support is fantastic.

Becky O’Neil

President & CEO at Becky’s PetCare

Animal Services · 51-100 employees · Springfield, VA

Customer for 3 years

Read the story

For a long time, we could not offer a 401(k) plan. Thankfully, we partnered with Human Interest. It was a huge game changer for us to be able to provide an elevated retirement plan to our staff members that anybody could take advantage of.

Meagan Nielsen

Administrative Director at Habitat for Humanity of Summit and Wasatch Counties

Nonprofit · 1-25 employees · Park City, UT

Customer for 1 year

The Concierge plan has been exceptional. It really is a seamless process, which is amazing from my perspective because it lets me focus on other important work and strategizing for my business.

John Spauls

Chief Operating Officer at Maxx Potential

Information Technology · 51-100 employees · Richmond, VA

Customer for 5 years

Read the story
See all customer stories

Clients of Human Interest. Read more.

Industry first

We built what didn’t exist

Our disruptive innovations have redefined what employers should expect from a 401(k)

Zero Transaction Fees

We eliminated the 20+ per-transaction fees other providers may still charge employers and employees.16

See the fees we eliminated

Employee Cash Back Incentive

We offer 3% cash back (up to $250) to help lower-wage employees start saving.9

Learn about (k)ickstart®

Money-Backed Customer Experience Guarantee

We publish measurable service standards — and compensate you if we miss them.

See our Customer Experience Guarantee

Price Match Guarantee

We will match the total cost of any verified offer from a competing retirement plan provider.10

Learn about our Price Match Guarantee

Compliance Guarantee

Get true peace of mind that your plan’s compliance requirements are handled with less stress and surprises for you.17

Learn about our Compliance Guarantee

Large Plan Audit Relief

We cover the cost of the independent audit required for plans with 100+ participants.7

Learn about Audit Relief®

Explore Human Interest

Everything you need to understand how our 401(k) works and why it’s different.

Simple, predictable

Pricing

Flat monthly fees to run your plan. If a comparable plan costs less, that price will be matched.18

View pricing

Reviews

See why we’re named a leader in the 401(k) software category.

Learn more

Payrolls

600+ integrations that automatically enroll employees and process contributions.

Find your payroll

Features

Reduce your workload, lower your compliance risk, and help your employees succeed.

See our features

Become a partner

We set a high standard. That’s why advisors, payroll providers, accountants, and brokers choose us as their preferred 401(k) provider.

Partner with us

401(k) Plan Cost Calculator

Estimate the cost of offering a Human Interest 401(k) plan for your business and discover how much you could save with SECURE Act 2.0 tax credits.

Calculate your savings

Common questions

Get an award-winning 401(k) for your team

Talk to a retirement expert
J.D. Power 2025 Certified Customer ServiceG2 Leader, Summer 2026TrustRadius Top Rated 2025Forbes Fintech 50, 2026Fast Company Most Innovative Companies 2025DALBAR Plan Participant Service Award 2024Gold Stevie Winner 2026 — Sales & Customer Service

See award disclosures

Notes

1

Five-star rating claim is based on a Human Interest aggregate count of 5-star reviews across G2, Google, and Trustpilot as of June 2026 compared to other 401(k) providers listed on these platforms. Individual platform ratings are based on a 5-star scale. This count represents the total aggregate volume of 5-star ratings received and does not imply a higher cumulative average rating percentage than competitors. Solicited clients for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. Previously, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher value was offered for non-anonymous reviews. Read our full disclosures.

2

Highest-rated 401(k) claim is based on G2’s “Highest Rated 401(k) Software” list ranking as of 6/9/26. Ratings are based on the product’s satisfaction score, which is calculated by a proprietary algorithm that factors in real-user satisfaction ratings from review data. Of the 23 listed 401(k) software products, six products qualified. Human Interest’s overall G2 score is 4.3 out of 5, as of 6/9/26. Ratings fluctuate in real-time. Solicited clients for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. Previously, Human Interest offered gift cards as an incentive for customers to complete reviews. A higher value was offered for non-anonymous testimonials. Read our full disclosures.

3

47,000 represents the total number of active employers with Human Interest retirement plans, based on the latest data available.

4

The ratio of new 401(k) plans launched is based on Human Interest’s internal analysis of self-reported, publicly available data from PLANSPONSOR (12/31/25), NAPA (6/30/25), DOL Form 5500 filings (1/9/26), and customer count data published on provider websites (12/18/25). This data may be incomplete, represents a point-in-time estimate, and is subject to change.

5

Actual time spent on monthly plan administration may differ. Human Interest internal data as of February 28, 2025. Calculations are based on customer information, including 50 hours of 401(k) administration management per year and one hour of payroll management per pay cycle.

6

Investment Advisory services are provided through Human Interest Advisors LLC (HIA) to plans that select HIA as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit https://www.humaninterest.com/hia/.

7

DOL Audit Defense and Audit Relief® are available to customers on our Concierge plan. DOL Audit Defense covers up to $50,000 in qualified expense coverage such as attorney or CPA fees. For more information on Human Interest's DOL Audit Defense read our terms and conditions. Audit Relief® excludes additional fees charged by the Auditor related to the Plan sponsor’s or Auditor’s errors, delays, fraud or other administrative issues (e.g., missed or late payroll contributions) or related to atypical events or demographics during the Audit Year (e.g., mergers or spin-offs, multiple payroll providers, controlled groups, or leaving Human Interest). Additional terms and conditions apply, see terms and conditions.

8

Our Customer Experience Guarantee is available on all plans. See terms and conditions.

9

3% cash back is available to eligible individuals making $60,000 or less in gross income and contributing at least 8% of every paycheck to an eligible Human Interest plan over a 12-month period. Must submit a claim form to claim the award. Minimum award is $100 and max is $250. Additional requirements apply. See terms and conditions. This program is administered and offered by Human Interest, and Human Interest’s asset-based fees will increase if you participate in this program. If Human Interest’s wholly owned subsidiary and registered investment adviser, Human Interest Advisors LLC (“HIA”), provides services to the Plan, HIA’s asset-based fees will also increase if you participate in this program.

10

Our Price Match Guarantee is available on all plans. See terms and conditions.

11

Human Interest solicited clients for testimonials. Solicitation may make a client more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others, and past success does not guarantee future results. Read our full disclosures.

12

Plan setup time is based on internal analysis of new plans with a current payroll provider, and existing plans transitioning to Human Interest, starting from plan setup through to the plan being ready for employee enrollment. Actual time to set up a plan may differ.

13

Diversification does not ensure a profit or protect against loss. Investment Advisory services are provided through Human Interest Advisors LLC (HIA) to plans that select HIA as the investment adviser. HIA is a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, please visit https://www.humaninterest.com/hia/.

14

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

15

Awards

  • J.D. Power 2025 Certified Customer Service Program℠ recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/awards.
  • G2 Leaders: as of 6/8/2026. To qualify a product must place in the “Leaders Quadrant" of the G2 Grid at the end of the quarterly evaluation period. The G2 Grid maps qualifying companies into quadrants based on User Satisfaction rating and a Market Presence score that considers data from online sources, including, among other criteria, the amount of reviews and web presence. A product must have 10 reviews to be considered. In this period, 6 out of the 19 products listed in the 401(k) software category on G2 qualified. During this period, Human Interest solicited clients for G2 reviews in exchange for nominal non-cash compensation. Active solicitation and non-cash compensation will make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. From 5/25/22-12/31/22, Human Interest offered gift cards as an incentive for customers to complete G2 reviews. A higher nominal value was offered for non-anonymous reviews. The G2 Grid is updated daily. Click here for the most recent grid results and here for full methodology. Click here for most recent rating. Read our full disclosures here.
  • TrustRadius Rating of 8.7 out of 10, as of June 24, 2026. Fluctuates in real-time. Solicited clients for reviews in exchange for de-minimis non-cash compensation. Solicitation and non-cash compensation make a customer more likely to portray Human Interest favorably. Testimonials may not be representative of the experience of others and past success does not guarantee future results. Previously, Human Interest offered de minimis cash compensation as an incentive for customers to complete reviews. Read our full disclosures here.
  • Human Interest was selected as an honoree on the 11th annual Forbes Fintech 50 list, which recognizes top private companies that are improving the efficiency of and people’s access to financial services. The 2026 list was based on several criteria, including sales and customer growth, product innovation, leadership team diversity, and other factors. For more information and to view the full list, visit www.forbes.com/lists/fintech50.
  • Human Interest Inc. is honored to be recognized as one of Fast Company’s Most Innovative Companies in Finance and Personal Finance for 2025. See the full list here.
  • Human Interest received the Dalbar Plan Participant Service award in April 2025. The award was based on an independent review of 100 phone calls to the Human Interest Support Center. The calls happened on days randomly selected by Dalbar. Human Interest redacted personally identifiable information from call recordings. For additional information on the award, please visit https://www.dalbar.com/Awards/ServiceAwardWinners.
  • Human Interest was awarded the “Gold Stevie Award” medal in the 2025 Stevie Awards® for Sales & Customer Service in “Customer Experience.” Winners were determined by the average scores of more than 170 professionals worldwide in the three-month judging process. Read more about the winning organizations here and criteria for the award here. American Business Awards are registered trademarks of Stevie Awards, Inc. Stevie Awards, Inc. is not affiliated with Human Interest. This recognition is not indicative of Human Interest’s future performance.

16

Zero transaction fees for employers and employees applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.

17

Terms and conditions apply. See if your plan qualifies.

18

A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Asset-based fees are deducted monthly from the employee’s account according to the HII Terms of Service 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. An automatic rollover feature is available as an optional add-on to all plans for +$10/mo. With this feature, terminated employees with low balances are automatically rolled into an IRA.