Human Interest 401(k) Provider Review
Human Interest is a fintech disruptor making 401(k) plans affordable and accessible for small businesses. With flat-fee pricing and modern technology, they remove the complexity from retirement plan administration.
Modern 401(k) for Small Business • Rank #14 • Score: 7.2/10 • Founded 2015 • San Francisco, CA
Ratings Breakdown
Pros and Cons
Advantages
- Flat-fee pricing transparent and affordable
- Modern, easy-to-use technology platform
- Quick and simple plan setup
- Payroll integrations with major providers
- Excellent for first-time plan sponsors
- Responsive customer support
Disadvantages
- Limited investment options compared to giants
- Newer company with less track record
- May outgrow for larger companies
- No self-directed brokerage option
- Basic reporting capabilities
Human Interest 401(k) Fees
| Fee Type | Amount |
|---|---|
| Administrative Fees | $120/month base + $5/employee |
| Expense Ratios | 0.06% - 0.50% |
| Trading Fees | $0 |
| Advisory Fees | Included in platform |
Investment Options
Key Features
Best For
- Small businesses
- Startups
- First-time plan sponsors
- Tech-savvy employers
Complete Human Interest 401(k) Review for 2026
Human Interest ranks #14 in our 2026 401(k) provider rankings with an overall score of 7.2 out of 10. Founded in 2015 and headquartered in San Francisco, CA, Human Interest manages $6 billion in assets and serves 500,000 participants across 15,000+ plan sponsors.
Why Choose Human Interest for Your 401(k)?
Human Interest is revolutionizing 401(k) access for small businesses through modern technology and transparent, flat-fee pricing. Their mission-driven approach makes quality retirement benefits accessible to companies that previously couldn't afford them. The platform's seamless payroll integrations with major providers like Gusto, ADP, and Paychex eliminate administrative headaches. Quick setup, automatic compliance, and a clean user interface make Human Interest ideal for first-time plan sponsors. For small business owners who want to offer competitive retirement benefits without complexity, Human Interest delivers a modern solution.
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Frequently Asked Questions
Human Interest charges administrative fees that vary by plan size. Expense ratios range from 0.06% - 0.50%, and advisory fees are Included in platform. Compare plans carefully as total costs depend on your plan size and investment selections.
You can log into your Human Interest 401(k) account through the plan provider portal. Current and former employees can use the participant login page. First-time users will need to register with their Social Security number and date of birth.
Human Interest ranks #14 in our 2026 provider rankings with a score of 7.2/10. They manage $6 billion in assets and serve 500,000 participants. They are particularly strong for Small businesses, Startups, First-time plan sponsors, Tech-savvy employers.
Yes, you can roll over your Human Interest 401(k) to a Traditional IRA, Roth IRA, or a new employer plan. A direct rollover avoids mandatory tax withholding. Contact Human Interest or your new provider to initiate the transfer.
Human Interest offers a range of investment options including Index Funds, Target Date Funds, ESG Options, Managed Portfolios. The specific fund lineup depends on your plan and may change periodically.
Human Interest scores 7.2/10 overall with ratings of 4.5/5 for fees, 3.5/5 for investment options, 4.3/5 for customer service, and 4.2/5 for mobile app. Compare with other top providers on our comparison pages.
Disclaimer: This review is for educational purposes only and is not financial advice. Provider details may change. Contact Human Interest directly for the most current plan information.