Updated 2026-03-30
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
- Direct 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
Rollover, Loans & Withdrawals
| Feature | ADP | Human Interest |
|---|---|---|
| Rollover Platform | ADP Retirement Portal | Human Interest Dashboard |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via ADP portal, Phone (800-695-7526) | Online via Human Interest dashboard |
| Distribution Options | Lump sum, Partial withdrawal, Installment payments, Rollover to IRA | Lump sum, Partial withdrawal, Rollover to IRA |
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 direct 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 direct payroll integration, while Human Interest stands out for flat-fee pricing transparent and affordable. Both providers offer a wide range of 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.
Frequently Asked Questions
ADP Retirement Services scores higher in our 2026 rankings with 8.1/10. ADP is best for adp payroll users, while Human Interest is best for small businesses. The right choice depends on your employer's plan and your priorities.
ADP charges expense ratios of Varies by investment partner with admin fees of $2,000 - $5,000/year base. Human Interest charges 0.06% - 0.50% expense ratios with admin fees of $120/month base + $5/employee. ADP's fees rating is 3.4/5 compared to Human Interest's 4.5/5.
Yes, you can roll over between ADP and Human Interest. ADP uses ADP Retirement Portal for rollovers, while Human Interest uses Human Interest Dashboard. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
ADP offers 401(k) loans. Human Interest does not offer 401(k) loans.
ADP scores 3.5/5 for investment options, while Human Interest scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. ADP's investment options include Partner Fund Lineups, Target Date Funds, Stable Value. Human Interest offers Index Funds, Target Date Funds, ESG Options.
For small businesses, consider plan minimums and per-participant costs. ADP is best for adp payroll users, multi-state employers, hr bundle seekers, compliance-focused companies. Human Interest is best for small businesses, startups, first-time plan sponsors, tech-savvy employers. Compare admin fees: ADP charges $2,000 - $5,000/year base vs Human Interest's $120/month base + $5/employee.
Pavlo Pyskunov
Managing Director & Investment Fund Director
Pavlo Pyskunov analyzes employer-sponsored retirement plans using IRS publications and DOL Form 5500 filings, helping workers maximize their 401(k) savings through data-driven guidance.
Last updated: 2026-03-30