Updated 2026-03-30
Transamerica vs Human Interest 401(k) Comparison
Compare Transamerica (#11, 7.5/10) and Human Interest (#14, 7.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | Transamerica | Human Interest |
|---|---|---|
| Overall Score | 7.5/10 | 7.2/10 |
| Rank | #11 | #14 |
| AUM | $300 billion | $6 billion |
| Participants | 6 million | 500,000 |
| Plan Sponsors | 35,000+ | 15,000+ |
| Founded | 1904 | 2015 |
Ratings Comparison
| Category | Transamerica | Human Interest |
|---|---|---|
| Fees & Costs | 3.6/5 | 4.5/5 |
| Investment Options | 3.7/5 | 3.5/5 |
| Customer Service | 3.8/5 | 4.3/5 |
| Mobile App | 3.5/5 | 4.2/5 |
Fee Comparison
| Fee Type | Transamerica | Human Interest |
|---|---|---|
| Admin Fees | $750 - $3,000/year | $120/month base + $5/employee |
| Expense Ratios | 0.25% - 1.2% | 0.06% - 0.50% |
| Trading Fees | Plan dependent | $0 |
| Advisory Fees | 0.35% - 0.85% | Included in platform |
Transamerica Strengths
- complete financial wellness programs
- Flexible plan design options
- Strong educational resources and tools
- Integrated workplace benefits platform
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 | Transamerica | Human Interest |
|---|---|---|
| Rollover Platform | Transamerica.com | Human Interest Dashboard |
| Loans Available | Yes | No |
| Withdrawal Methods | Online via Transamerica.com, Phone (800-755-5801) | 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 Transamerica if you want:
- Mid-sized companies
- Integrated benefits seekers
- Financial wellness focus
Choose Human Interest if you want:
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Our Verdict: Transamerica vs Human Interest
Transamerica wins this comparison with a score of 7.5/10 vs 7.2/10. Transamerica excels with complete financial wellness programs, 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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Transamerica vs Human Interest: Complete 401(k) Comparison for 2026
Choosing between Transamerica and Human Interest for your 401(k) is an important decision that affects your retirement savings. Transamerica offers workplace benefits while Human Interest is known for small business. In terms of fees, Transamerica charges 0.25% - 1.2% expense ratios compared to Human Interest's 0.06% - 0.50%. Transamerica manages $300 billion in assets and serves 6 million participants, while Human Interest has $6 billion AUM and 500,000 participants.
Key Differences: Transamerica vs Human Interest
When comparing Transamerica and Human Interest, consider their core strengths: Transamerica excels with complete financial wellness programs, 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. Transamerica's customer service rating is 3.8/5 compared to Human Interest's 4.3/5. For mobile experience, Transamerica scores 3.5/5 while Human Interest scores 4.2/5.
Which Provider is Right for You?
Choose Transamerica if you prioritize mid-sized companies. 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 Transamerica and Human Interest provider pages.
Frequently Asked Questions
Transamerica scores higher in our 2026 rankings with 7.5/10. Transamerica is best for mid-sized companies, while Human Interest is best for small businesses. The right choice depends on your employer's plan and your priorities.
Transamerica charges expense ratios of 0.25% - 1.2% with admin fees of $750 - $3,000/year. Human Interest charges 0.06% - 0.50% expense ratios with admin fees of $120/month base + $5/employee. Transamerica's fees rating is 3.6/5 compared to Human Interest's 4.5/5.
Yes, you can roll over between Transamerica and Human Interest. Transamerica uses Transamerica.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.
Transamerica offers 401(k) loans. Human Interest does not offer 401(k) loans.
Transamerica scores 3.7/5 for investment options, while Human Interest scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. Transamerica'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. Transamerica is best for mid-sized companies, integrated benefits seekers, financial wellness focus. Human Interest is best for small businesses, startups, first-time plan sponsors, tech-savvy employers. Compare admin fees: Transamerica charges $750 - $3,000/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