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
- Comprehensive 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
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 comprehensive 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.