Nationwide vs Human Interest 401(k) Comparison
Compare Nationwide (#13, 7.3/10) and Human Interest (#14, 7.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Nationwide | Human Interest |
|---|---|---|
| Overall Score | 7.3/10 | 7.2/10 |
| Rank | #13 | #14 |
| AUM | $250 billion | $6 billion |
| Participants | 3.5 million | 500,000 |
| Plan Sponsors | 30,000+ | 15,000+ |
| Founded | 1926 | 2015 |
Ratings Comparison
| Category | Nationwide | Human Interest |
|---|---|---|
| Fees & Costs | 3.4/5 | 4.5/5 |
| Investment Options | 3.5/5 | 3.5/5 |
| Customer Service | 4.0/5 | 4.3/5 |
| Mobile App | 3.4/5 | 4.2/5 |
Fee Comparison
| Fee Type | Nationwide | Human Interest |
|---|---|---|
| Admin Fees | $800 - $3,500/year | $120/month base + $5/employee |
| Expense Ratios | 0.30% - 1.3% | 0.06% - 0.50% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.45% - 0.95% | Included in platform |
Nationwide Strengths
- Strong in 403(b) and 457 plans
- Guaranteed lifetime income options
- Good public sector solutions
- Stable value fund options
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 Nationwide if you want:
- Public sector employees
- Teachers and nonprofits
- Guaranteed income seekers
Choose Human Interest if you want:
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Our Verdict: Nationwide vs Human Interest
Nationwide wins this comparison with a score of 7.3/10 vs 7.2/10. Nationwide excels with strong in 403(b) and 457 plans, 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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Nationwide vs Human Interest: Complete 401(k) Comparison for 2026
Choosing between Nationwide and Human Interest for your 401(k) is an important decision that affects your retirement savings. Nationwide offers public sector while Human Interest is known for small business. In terms of fees, Nationwide charges 0.30% - 1.3% expense ratios compared to Human Interest's 0.06% - 0.50%. Nationwide manages $250 billion in assets and serves 3.5 million participants, while Human Interest has $6 billion AUM and 500,000 participants.
Key Differences: Nationwide vs Human Interest
When comparing Nationwide and Human Interest, consider their core strengths: Nationwide excels with strong in 403(b) and 457 plans, 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. Nationwide's customer service rating is 4.0/5 compared to Human Interest's 4.3/5. For mobile experience, Nationwide scores 3.4/5 while Human Interest scores 4.2/5.
Which Provider is Right for You?
Choose Nationwide if you prioritize public sector employees. 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 Nationwide and Human Interest provider pages.