Updated 2026-03-20

Human Interest vs Ubiquity 401(k) Comparison

Compare Human Interest (#14, 7.2/10) and Ubiquity Retirement + Savings (#23, 6.3/10) side by side across fees, ratings, features, and investment options.

Overall Comparison

FeatureHuman InterestUbiquity
Overall Score7.2/106.3/10
Rank#14#23
AUM$6 billion$3.5 billion
Participants500,000100,000
Plan Sponsors15,000+10,000+
Founded20151999

Ratings Comparison

CategoryHuman InterestUbiquity
Fees & Costs4.5/54.0/5
Investment Options3.5/53.7/5
Customer Service4.3/53.9/5
Mobile App4.2/53.2/5

Fee Comparison

Fee TypeHuman InterestUbiquity
Admin Fees$120/month base + $5/employee$115 - $250/month flat fee
Expense Ratios0.06% - 0.50%0.03% - 0.80%
Trading Fees$0$0
Advisory FeesIncluded in platformOptional, varies

Human Interest Strengths

Ubiquity Strengths

Rollover, Loans & Withdrawals

FeatureHuman InterestUbiquity
Rollover PlatformHuman Interest DashboardUbiquity Portal
Loans AvailableNoYes
Withdrawal MethodsOnline via Human Interest dashboardOnline via Ubiquity portal, Phone (855-831-7344), Dedicated account manager
Distribution OptionsLump sum, Partial withdrawal, Rollover to IRALump sum, Partial withdrawal, Installment payments, 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 Ubiquity if you want:

  • Growing small businesses
  • Cost-transparent seekers
  • Companies with growing plan assets
  • Custom plan designers

Our Verdict: Human Interest vs Ubiquity

Human Interest wins this comparison with a score of 7.2/10 vs 6.3/10. 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 Ubiquity Review

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

Choosing between Human Interest and Ubiquity Retirement + Savings for your 401(k) is an important decision that affects your retirement savings. Human Interest offers small business while Ubiquity is known for flat fee. In terms of fees, Human Interest charges 0.06% - 0.50% expense ratios compared to Ubiquity's 0.03% - 0.80%. Human Interest manages $6 billion in assets and serves 500,000 participants, while Ubiquity has $3.5 billion AUM and 100,000 participants.

Key Differences: Human Interest vs Ubiquity

When comparing Human Interest and Ubiquity, consider their core strengths: Human Interest excels with flat-fee pricing transparent and affordable, while Ubiquity stands out for true flat-fee pricing with no asset-based charges. 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 Ubiquity's 3.9/5. For mobile experience, Human Interest scores 4.2/5 while Ubiquity scores 3.2/5.

Which Provider is Right for You?

Choose Human Interest if you prioritize small businesses. Choose Ubiquity if you're looking for growing 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 Ubiquity 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 Ubiquity is best for growing 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. Ubiquity charges 0.03% - 0.80% expense ratios with admin fees of $115 - $250/month flat fee. Human Interest's fees rating is 4.5/5 compared to Ubiquity's 4.0/5.

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

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

Human Interest scores 3.5/5 for investment options, while Ubiquity scores 3.7/5. Both offer target-date funds, index funds, and managed accounts. Human Interest's investment options include Index Funds, Target Date Funds, ESG Options. Ubiquity offers Open Architecture, Mutual Funds, Target Date 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. Ubiquity is best for growing small businesses, cost-transparent seekers, companies with growing plan assets, custom plan designers. Compare admin fees: Human Interest charges $120/month base + $5/employee vs Ubiquity's $115 - $250/month flat fee.

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