Fidelity vs Human Interest 401(k) Comparison
Compare Fidelity Investments (#1, 9.5/10) and Human Interest (#14, 7.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Fidelity | Human Interest |
|---|---|---|
| Overall Score | 9.5/10 | 7.2/10 |
| Rank | #1 | #14 |
| AUM | $4.5 trillion | $6 billion |
| Participants | 43 million | 500,000 |
| Plan Sponsors | 23,000+ | 15,000+ |
| Founded | 1946 | 2015 |
Ratings Comparison
| Category | Fidelity | Human Interest |
|---|---|---|
| Fees & Costs | 4.9/5 | 4.5/5 |
| Investment Options | 4.9/5 | 3.5/5 |
| Customer Service | 4.8/5 | 4.3/5 |
| Mobile App | 4.7/5 | 4.2/5 |
Fee Comparison
| Fee Type | Fidelity | Human Interest |
|---|---|---|
| Admin Fees | $0 - varies by plan | $120/month base + $5/employee |
| Expense Ratios | 0.00% - 0.75% | 0.06% - 0.50% |
| Trading Fees | $0 for stocks/ETFs | $0 |
| Advisory Fees | 0.35% - 1.0% | Included in platform |
Fidelity Strengths
- Zero expense ratio index funds (FZROX, FZILX)
- Industry-leading mobile app and online platform
- 24/7 customer service with dedicated retirement specialists
- Extensive investment options including BrokerageLink
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 Fidelity if you want:
- Large employers
- Cost-conscious investors
- Self-directed investors
- Solo 401(k) seekers
Choose Human Interest if you want:
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Our Verdict: Fidelity vs Human Interest
Fidelity Investments wins this comparison with a score of 9.5/10 vs 7.2/10. Fidelity excels with zero expense ratio index funds (fzrox, fzilx), 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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Fidelity vs Human Interest: Complete 401(k) Comparison for 2026
Choosing between Fidelity Investments and Human Interest for your 401(k) is an important decision that affects your retirement savings. Fidelity offers largest provider while Human Interest is known for small business. In terms of fees, Fidelity charges 0.00% - 0.75% expense ratios compared to Human Interest's 0.06% - 0.50%. Fidelity manages $4.5 trillion in assets and serves 43 million participants, while Human Interest has $6 billion AUM and 500,000 participants.
Key Differences: Fidelity vs Human Interest
When comparing Fidelity and Human Interest, consider their core strengths: Fidelity excels with zero expense ratio index funds (fzrox, fzilx), 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. Fidelity's customer service rating is 4.8/5 compared to Human Interest's 4.3/5. For mobile experience, Fidelity scores 4.7/5 while Human Interest scores 4.2/5.
Which Provider is Right for You?
Choose Fidelity if you prioritize large employers. 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 Fidelity and Human Interest provider pages.