Updated 2026-03-30
John Hancock vs Human Interest 401(k) Comparison
Compare John Hancock (#10, 7.7/10) and Human Interest (#14, 7.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | John Hancock | Human Interest |
|---|---|---|
| Overall Score | 7.7/10 | 7.2/10 |
| Rank | #10 | #14 |
| AUM | $600 billion | $6 billion |
| Participants | 3 million | 500,000 |
| Plan Sponsors | 48,000+ | 15,000+ |
| Founded | 1862 | 2015 |
Ratings Comparison
| Category | John Hancock | Human Interest |
|---|---|---|
| Fees & Costs | 3.5/5 | 4.5/5 |
| Investment Options | 3.7/5 | 3.5/5 |
| Customer Service | 4.0/5 | 4.3/5 |
| Mobile App | 3.6/5 | 4.2/5 |
Fee Comparison
| Fee Type | John Hancock | Human Interest |
|---|---|---|
| Admin Fees | $1,000 - $4,000/year | $120/month base + $5/employee |
| Expense Ratios | 0.30% - 1.3% | 0.06% - 0.50% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.40% - 0.90% | Included in platform |
John Hancock Strengths
- Unique wellness program integration
- Vitality rewards for healthy behavior
- Strong financial wellness education
- complete planning tools
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 | John Hancock | Human Interest |
|---|---|---|
| Rollover Platform | myplan.johnhancock.com | Human Interest Dashboard |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via myplan.johnhancock.com, Phone (800-395-1113) | 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 John Hancock if you want:
- Wellness-focused employers
- Mid-sized companies
- Insurance bundle seekers
Choose Human Interest if you want:
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Our Verdict: John Hancock vs Human Interest
John Hancock wins this comparison with a score of 7.7/10 vs 7.2/10. John Hancock excels with unique wellness program 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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John Hancock vs Human Interest: Complete 401(k) Comparison for 2026
Choosing between John Hancock and Human Interest for your 401(k) is an important decision that affects your retirement savings. John Hancock offers wellness focus while Human Interest is known for small business. In terms of fees, John Hancock charges 0.30% - 1.3% expense ratios compared to Human Interest's 0.06% - 0.50%. John Hancock manages $600 billion in assets and serves 3 million participants, while Human Interest has $6 billion AUM and 500,000 participants.
Key Differences: John Hancock vs Human Interest
When comparing John Hancock and Human Interest, consider their core strengths: John Hancock excels with unique wellness program 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. John Hancock's customer service rating is 4.0/5 compared to Human Interest's 4.3/5. For mobile experience, John Hancock scores 3.6/5 while Human Interest scores 4.2/5.
Which Provider is Right for You?
Choose John Hancock if you prioritize wellness-focused 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 John Hancock and Human Interest provider pages.
Frequently Asked Questions
John Hancock scores higher in our 2026 rankings with 7.7/10. John Hancock is best for wellness-focused employers, while Human Interest is best for small businesses. The right choice depends on your employer's plan and your priorities.
John Hancock charges expense ratios of 0.30% - 1.3% with admin fees of $1,000 - $4,000/year. Human Interest charges 0.06% - 0.50% expense ratios with admin fees of $120/month base + $5/employee. John Hancock's fees rating is 3.5/5 compared to Human Interest's 4.5/5.
Yes, you can roll over between John Hancock and Human Interest. John Hancock uses myplan.johnhancock.com for rollovers, while Human Interest uses Human Interest Dashboard. A direct rollover avoids mandatory tax withholding. Contact your new provider to initiate the transfer.
John Hancock offers 401(k) loans. Human Interest does not offer 401(k) loans.
John Hancock scores 3.7/5 for investment options, while Human Interest scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. John Hancock's investment options include Mutual Funds, 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. John Hancock is best for wellness-focused employers, mid-sized companies, insurance bundle seekers. Human Interest is best for small businesses, startups, first-time plan sponsors, tech-savvy employers. Compare admin fees: John Hancock charges $1,000 - $4,000/year 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