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
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 comprehensive 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.