Updated 2026-03-30
T. Rowe Price vs Human Interest 401(k) Comparison
Compare T. Rowe Price (#5, 8.5/10) and Human Interest (#14, 7.2/10) side by side across fees, ratings, features, and investment options.
Overall Comparison
| Feature | T. Rowe Price | Human Interest |
|---|---|---|
| Overall Score | 8.5/10 | 7.2/10 |
| Rank | #5 | #14 |
| AUM | $1.3 trillion | $6 billion |
| Participants | 10 million | 500,000 |
| Plan Sponsors | 4,500+ | 15,000+ |
| Founded | 1937 | 2015 |
Ratings Comparison
| Category | T. Rowe Price | Human Interest |
|---|---|---|
| Fees & Costs | 3.8/5 | 4.5/5 |
| Investment Options | 4.6/5 | 3.5/5 |
| Customer Service | 4.4/5 | 4.3/5 |
| Mobile App | 4.2/5 | 4.2/5 |
Fee Comparison
| Fee Type | T. Rowe Price | Human Interest |
|---|---|---|
| Admin Fees | $0 - $50/year | $120/month base + $5/employee |
| Expense Ratios | 0.30% - 1.2% | 0.06% - 0.50% |
| Trading Fees | $0 for T. Rowe Price funds | $0 |
| Advisory Fees | 0.30% - 1.25% | Included in platform |
T. Rowe Price Strengths
- Excellent actively managed fund performance
- Best-in-class target date funds
- Strong research capabilities
- No-transaction-fee mutual fund 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 | T. Rowe Price | Human Interest |
|---|---|---|
| Rollover Platform | Individual.troweprice.com | Human Interest Dashboard |
| Loans Available | Yes | No |
| Withdrawal Methods | Online portal, Phone (800-225-5132) | 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 T. Rowe Price if you want:
- Active fund believers
- Target-date fund users
- Research-oriented investors
- Long-term holders
Choose Human Interest if you want:
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Our Verdict: T. Rowe Price vs Human Interest
T. Rowe Price wins this comparison with a score of 8.5/10 vs 7.2/10. T. Rowe Price excels with excellent actively managed fund performance, 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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T. Rowe Price vs Human Interest: Complete 401(k) Comparison for 2026
Choosing between T. Rowe Price and Human Interest for your 401(k) is an important decision that affects your retirement savings. T. Rowe Price offers active management while Human Interest is known for small business. In terms of fees, T. Rowe Price charges 0.30% - 1.2% expense ratios compared to Human Interest's 0.06% - 0.50%. T. Rowe Price manages $1.3 trillion in assets and serves 10 million participants, while Human Interest has $6 billion AUM and 500,000 participants.
Key Differences: T. Rowe Price vs Human Interest
When comparing T. Rowe Price and Human Interest, consider their core strengths: T. Rowe Price excels with excellent actively managed fund performance, 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. T. Rowe Price's customer service rating is 4.4/5 compared to Human Interest's 4.3/5. For mobile experience, T. Rowe Price scores 4.2/5 while Human Interest scores 4.2/5.
Which Provider is Right for You?
Choose T. Rowe Price if you prioritize active fund believers. 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 T. Rowe Price and Human Interest provider pages.
Frequently Asked Questions
T. Rowe Price scores higher in our 2026 rankings with 8.5/10. T. Rowe Price is best for active fund believers, while Human Interest is best for small businesses. The right choice depends on your employer's plan and your priorities.
T. Rowe Price charges expense ratios of 0.30% - 1.2% with admin fees of $0 - $50/year. Human Interest charges 0.06% - 0.50% expense ratios with admin fees of $120/month base + $5/employee. T. Rowe Price's fees rating is 3.8/5 compared to Human Interest's 4.5/5.
Yes, you can roll over between T. Rowe Price and Human Interest. T. Rowe Price uses Individual.troweprice.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.
T. Rowe Price offers 401(k) loans. Human Interest does not offer 401(k) loans.
T. Rowe Price scores 4.6/5 for investment options, while Human Interest scores 3.5/5. Both offer target-date funds, index funds, and managed accounts. T. Rowe Price's investment options include Active Mutual Funds, Target Date Funds, Index Funds. Human Interest offers Index Funds, Target Date Funds, ESG Options.
For small businesses, consider plan minimums and per-participant costs. T. Rowe Price is best for active fund believers, target-date fund users, research-oriented investors, long-term holders. Human Interest is best for small businesses, startups, first-time plan sponsors, tech-savvy employers. Compare admin fees: T. Rowe Price charges $0 - $50/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