Updated 2026-03-20

Human Interest vs Employee Fiduciary 401(k) Comparison

Compare Human Interest (#14, 7.2/10) and Employee Fiduciary (#24, 6.2/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureHuman InterestEmployee Fiduciary
Overall Score7.2/106.2/10
Rank#14#24
AUM$6 billion$6 billion
Participants500,00080,000
Plan Sponsors15,000+3,000+
Founded20152004

Ratings Comparison

CategoryHuman InterestEmployee Fiduciary
Fees & Costs4.5/54.8/5
Investment Options3.5/53.2/5
Customer Service4.3/54.2/5
Mobile App4.2/52.5/5

Fee Comparison

Fee TypeHuman InterestEmployee Fiduciary
Admin Fees$120/month base + $5/employee$1,500/year + $30/participant
Expense Ratios0.06% - 0.50%0.03% - 0.15%
Trading Fees$0$0
Advisory FeesIncluded in platformIncluded as 3(38) fiduciary

Human Interest Strengths

Employee Fiduciary Strengths

Rollover, Loans & Withdrawals

FeatureHuman InterestEmployee Fiduciary
Rollover PlatformHuman Interest DashboardEmployee Fiduciary Portal
Loans AvailableNoYes
Withdrawal MethodsOnline via Human Interest dashboardPhone (877-401-5100), Online portal
Distribution OptionsLump sum, Partial withdrawal, Rollover to IRALump sum, Partial withdrawal, Rollover to IRA, Required Minimum Distributions

Which Should You Choose?

Choose Human Interest if you want:

  • Small businesses
  • Startups
  • First-time plan sponsors
  • Tech-savvy employers

Choose Employee Fiduciary if you want:

  • Cost-conscious small businesses
  • Employers wanting fiduciary protection
  • Index fund believers
  • Plan sponsors seeking simplicity

Our Verdict: Human Interest vs Employee Fiduciary

Human Interest wins this comparison with a score of 7.2/10 vs 6.2/10. Human Interest excels with flat-fee pricing transparent and affordable, 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.

Full Human Interest Review Full Employee Fiduciary Review

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Human Interest vs Employee Fiduciary: Complete 401(k) Comparison for 2026

Choosing between Human Interest and Employee Fiduciary for your 401(k) is an important decision that affects your retirement savings. Human Interest offers small business while Employee Fiduciary is known for 3(38) fiduciary. In terms of fees, Human Interest charges 0.06% - 0.50% expense ratios compared to Employee Fiduciary's 0.03% - 0.15%. Human Interest manages $6 billion in assets and serves 500,000 participants, while Employee Fiduciary has $6 billion AUM and 80,000 participants.

Key Differences: Human Interest vs Employee Fiduciary

When comparing Human Interest and Employee Fiduciary, consider their core strengths: Human Interest excels with flat-fee pricing transparent and affordable, while Employee Fiduciary stands out for full 3(38) investment fiduciary services included. Both providers offer a wide range of investment options including target-date funds, index funds, and managed accounts. Human Interest's customer service rating is 4.3/5 compared to Employee Fiduciary's 4.2/5. For mobile experience, Human Interest scores 4.2/5 while Employee Fiduciary scores 2.5/5.

Which Provider is Right for You?

Choose Human Interest if you prioritize small businesses. Choose Employee Fiduciary if you're looking for cost-conscious 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 Human Interest and Employee Fiduciary provider pages.

Frequently Asked Questions

Human Interest scores higher in our 2026 rankings with 7.2/10. Human Interest is best for small businesses, while Employee Fiduciary is best for cost-conscious small businesses. The right choice depends on your employer's plan and your priorities.

Human Interest charges expense ratios of 0.06% - 0.50% with admin fees of $120/month base + $5/employee. Employee Fiduciary charges 0.03% - 0.15% expense ratios with admin fees of $1,500/year + $30/participant. Human Interest's fees rating is 4.5/5 compared to Employee Fiduciary's 4.8/5.

Yes, you can roll over between Human Interest and Employee Fiduciary. Human Interest uses Human Interest Dashboard for rollovers, while Employee Fiduciary uses Employee Fiduciary Portal. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.

Human Interest does not offer 401(k) loans. Employee Fiduciary offers 401(k) loans.

Human Interest scores 3.5/5 for investment options, while Employee Fiduciary scores 3.2/5. Both offer target-date funds, index funds, and managed accounts. Human Interest's investment options include Index Funds, Target Date Funds, ESG Options. Employee Fiduciary offers Vanguard Index Funds, Target Date Funds, Bond Funds.

For small businesses, consider plan minimums and per-participant costs. Human Interest is best for small businesses, startups, first-time plan sponsors, tech-savvy employers. Employee Fiduciary is best for cost-conscious small businesses, employers wanting fiduciary protection, index fund believers, plan sponsors seeking simplicity. Compare admin fees: Human Interest charges $120/month base + $5/employee vs Employee Fiduciary's $1,500/year + $30/participant.

Pavlo Pyskunov

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: 2026-03-20