ADP vs Human Interest 401(k) Comparison
Compare ADP Retirement Services (#7, 8.1/10) and Human Interest (#14, 7.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | ADP | Human Interest |
|---|---|---|
| Overall Score | 8.1/10 | 7.2/10 |
| Rank | #7 | #14 |
| AUM | $130 billion | $6 billion |
| Participants | 3 million | 500,000 |
| Plan Sponsors | 90,000+ | 15,000+ |
| Founded | 1949 | 2015 |
Ratings Comparison
| Category | ADP | Human Interest |
|---|---|---|
| Fees & Costs | 3.4/5 | 4.5/5 |
| Investment Options | 3.5/5 | 3.5/5 |
| Customer Service | 4.0/5 | 4.3/5 |
| Mobile App | 3.7/5 | 4.2/5 |
Fee Comparison
| Fee Type | ADP | Human Interest |
|---|---|---|
| Admin Fees | $2,000 - $5,000/year base | $120/month base + $5/employee |
| Expense Ratios | Varies by investment partner | 0.06% - 0.50% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.35% - 0.75% | Included in platform |
ADP Strengths
- Seamless payroll integration
- Automatic contribution processing
- Strong compliance support
- Easy setup for ADP payroll clients
Human Interest Strengths
- Flat-fee pricing transparent and affordable
- Modern, easy-to-use technology platform
- Quick and simple plan setup
- Payroll integrations with major providers
Which Should You Choose?
Choose ADP if you want:
- ADP payroll users
- Multi-state employers
- HR bundle seekers
- Compliance-focused companies
Choose Human Interest if you want:
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Our Verdict: ADP vs Human Interest
ADP Retirement Services wins this comparison with a score of 8.1/10 vs 7.2/10. ADP excels with seamless payroll integration, making it the stronger choice for most investors in this matchup. However, the best choice ultimately depends on your specific needs, employer plan availability, and investment preferences.
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ADP vs Human Interest: Complete 401(k) Comparison for 2026
Choosing between ADP Retirement Services and Human Interest for your 401(k) is an important decision that affects your retirement savings. ADP offers payroll integration while Human Interest is known for small business. In terms of fees, ADP charges Varies by investment partner expense ratios compared to Human Interest's 0.06% - 0.50%. ADP manages $130 billion in assets and serves 3 million participants, while Human Interest has $6 billion AUM and 500,000 participants.
Key Differences: ADP vs Human Interest
When comparing ADP and Human Interest, consider their core strengths: ADP excels with seamless payroll integration, while Human Interest stands out for flat-fee pricing transparent and affordable. Both providers offer comprehensive investment options including target-date funds, index funds, and managed accounts. ADP's customer service rating is 4.0/5 compared to Human Interest's 4.3/5. For mobile experience, ADP scores 3.7/5 while Human Interest scores 4.2/5.
Which Provider is Right for You?
Choose ADP if you prioritize adp payroll users. Choose Human Interest if you're looking for small businesses. Your decision should also consider your employer's plan availability, fee sensitivity, desired investment options, and customer service expectations. For detailed reviews, visit our individual ADP and Human Interest provider pages.