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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Gusto

    Score8.9 out of 10
    N/AGusto offers payroll, benefits and compliance capabilities. Gusto is scaled for small to mid-sized businesses, and emphasizes an easy to use interface.

    $49

    per month

    Human Interest

    Score9.2 out of 10
    N/AHuman Interest headquartered in San Francisco offers their cloud-based 401k administation platform for employers featuring flexible plan design and a dedicated account manager.

    $125

    per month

    Pricing
    GustoHuman Interest
    Editions & Modules
    Simple: A streamlined set of automatic payroll features and benefits integrations
    $49/month + $6/mo per person
    per month
    Plus: Comprehensive payroll, benefits, and HR tools for employers building a great place to work
    $80/month + $12/mo per person
    per month
    Premium: Scalable payroll and benefits, expert HR, and dedicated support for the complex needs of growing teams
    $180/month + $22/mo per person
    per month
    Essentials
    $120 + $5 per eligible employee
    per month
    Complete
    $160 + $7 per eligible employee
    per month
    Concierge
    $200 + $9 per eligible employee
    per month
    Offerings
    Pricing Offerings
    GustoHuman Interest
    Free Trial
    YesNo
    Free/Freemium Version
    NoNo
    Premium Consulting/Integration Services
    YesNo
    Entry-level Setup FeeNo setup fee$499 one-time fee
    Additional DetailsGusto offers three pricing plans for payroll, benefits, and HR.Human Interest offers three products, for a choice of 401(k) or 403(b) that fits an organization's needs. All plans offer an all-in-one, no touch 401(k) to make it easy for employers to run and for employees to save. All plans have a setup fee of $499. *Human Interest's average employee expense is 0.57%, compared to a 1.64% average for small 401(k) plans. Source: 401(k) Averages Book, 18th Edition.
    More Pricing Information
    Community Pulse
    GustoHuman Interest
    Considered Both Products
    Gusto
    No answer on this topic
    Human Interest
    Chose Human Interest
    Similar
    Incentivized
    Chose Human Interest
    Setting up Vestwell took months and there was no integration into my previous payroll system .
    Incentivized
    Chose Human Interest
    It's not even close. Paychex Flex is expensive, confusing, and the customer service is abominable. Human Interest is better across every front, at least so far.
    Incentivized
    Chose Human Interest
    The cost for the service was better and we felt more understood as a company and felt that Human Interest took the time to explain the 401k program and options
    Incentivized
    Chose Human Interest
    Insperity was horrible. Expensive, hidden fees at every corner, not communicative. They messed up my plan and didn't include the requested Safe Harbor provision and I had to pay the piper for their mistake.

    Nothing Insperity did was customer first, fiduciary, or even compliant.
    Incentivized
    Chose Human Interest
    I chose Human Interest based on cost, features, and the personality and responsiveness of the sales team member.
    Incentivized
    Chose Human Interest
    Cost structure was the most affordable for a small organization
    Incentivized
    Chose Human Interest
    I have only dealt with one other retirement investment company in my career, however I find that Human Interest is very transparent and supportive of small business owners. The low cost of using their services was attractive to me and made the most sense for my company. I …
    Incentivized
    Chose Human Interest
    Answered this in the previous question! Ui UX is better at the guideline, and the guideline does a better job of educating customers on how to use their product for basic financial wealth and retirement planning education. Human interest does better with their customer …
    Incentivized
    Chose Human Interest
    We solely looked at Human Interest.
    Incentivized
    Chose Human Interest
    We made a mistake, we strongly advise you not to use Human Interest. They do not know much about 401k & profit sharing.
    Incentivized
    Key User Insights
    Would buy again
    91%
    Would buy again
    488 Answers
    86%
    Would buy again
    165 Answers
    Delivers good value for the price
    92%
    Delivers good value for the price
    395 Answers
    92%
    Delivers good value for the price
    155 Answers
    Happy with the feature set
    94%
    Happy with the feature set
    501 Answers
    90%
    Happy with the feature set
    172 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    254 Answers
    84%
    Lived up to sales and marketing promises
    145 Answers
    Implementation went as expected
    93%
    Implementation went as expected
    311 Answers
    83%
    Implementation went as expected
    150 Answers
    Features
    GustoHuman Interest
    Payroll Management
    Comparison of Payroll Management features of Gusto and Human Interest
    Feature
    Gusto
    9.2
    514 Ratings
    11% above category average
    Human Interest
    -
    Ratings
    Pay calculation9.6493 Ratings00 Ratings
    Support for external payroll vendors8.58 Ratings00 Ratings
    Benefit plan administration8.9358 Ratings00 Ratings
    Direct deposit files9.5497 Ratings00 Ratings
    Salary revision and increment management9.4383 Ratings00 Ratings
    Reimbursement management9.5127 Ratings00 Ratings
    401(k)
    Comparison of 401(k) features of Gusto and Human Interest
    Feature
    Gusto
    -
    Ratings
    Human Interest
    9.5
    70 Ratings
    18% above category average
    Payroll Integration00 Ratings9.560 Ratings
    Compliance Maintenance00 Ratings9.465 Ratings
    Plan Flexibility00 Ratings9.665 Ratings
    Filings and Disclosures00 Ratings9.265 Ratings
    Ease of Enrollment00 Ratings9.868 Ratings
    Best Alternatives
    GustoHuman Interest
    Small Businesses
    OnPay
    Score9.9 out of 10
    No answers on this topic
    Medium-sized Companies
    APS
    Score1.4 out of 10
    No answers on this topic
    Enterprises
    ADP Streamline Payroll
    Score6.4 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternatives
    User Ratings
    GustoHuman Interest
    Likelihood to Recommend
    9.2
    (538 ratings)
    9.5
    (157 ratings)
    Likelihood to Renew
    10.0
    (12 ratings)
    8.3
    (8 ratings)
    Usability
    9.5
    (362 ratings)
    9.6
    (150 ratings)
    Availability
    -
    (0 ratings)
    10.0
    (2 ratings)
    Performance
    -
    (0 ratings)
    9.4
    (2 ratings)
    Support Rating
    1.3
    (25 ratings)
    7.8
    (7 ratings)
    Implementation Rating
    8.2
    (1 ratings)
    9.0
    (4 ratings)
    Contract Terms and Pricing Model
    -
    (0 ratings)
    9.4
    (2 ratings)
    Ease of integration
    -
    (0 ratings)
    10.0
    (1 ratings)
    Product Scalability
    -
    (0 ratings)
    10.0
    (2 ratings)
    Professional Services
    -
    (0 ratings)
    10.0
    (2 ratings)
    Vendor post-sale
    -
    (0 ratings)
    10.0
    (2 ratings)
    Vendor pre-sale
    -
    (0 ratings)
    9.4
    (2 ratings)
    User Testimonials
    GustoHuman Interest
    Likelihood to Recommend
    Gusto
    Gusto is a great fit for small teams and startups that want a simple, reliable way to run payroll, manage tax filings, and give CPAs access without constant micromanagement. It’s especially useful for founders who need something that “just works.” The human support has been excellent—especially when forwarding confusing IRS mail.
    That said, it’s a bit less intuitive when it comes to benefits and compliance for fully remote companies. For example, labor law poster distribution isn’t streamlined for digital teams, and setting up benefits felt more complex than it needed to be. Still, I’d recommend Gusto to any startup looking to get payroll right from day one.
    Incentivized
    Read full review
    Human Interest
    Actually you guys serve a lot of variety of clients that we have. So everything from simple clients on your 316 and then you got your 338 platforms to some more of the complex clients that want to carve out their own funds. You guys integrate well with financial advisors if they wish to use that, but a lot of times it's, those aren't necessary if clients want to save money.
    Read full review
    Pros
    Gusto
    • Gusto really kills it on the simplicity. The app and website are very clear and straightforward.
    • Gusto also does a great job at being easy to navigate, visually pleasing, and logically posed.
    • Gusto communicates very clearly and provides just the right amount of communication.
    • Gusto makes the onboarding process very easy. I recently started at a new company and the process of filling out the necessary documents, filling out forms, and getting my benefit information input was soooooo easy!
    Incentivized
    Read full review
    Human Interest
    • So as a user of it, since I was being paid by these companies, being able to manage my level of risk, being able to manage how much I was putting in from a percentage standpoint was always super easy. Even in a situation where my last company was acquired, we had to go through transferring over to different solutions was super useful. The team was always very open, honest about, Hey, what can we do? How can we work with them? And accommodating in that way. I think as a provider it was so easy to get team members set up. I never had any complaints. I never had anybody worry. I never had somebody come to me and go like, I don't understand Human Interest.
    Read full review
    Cons
    Gusto
    • Adding in previous time manually could be more accessible.
    • Notifications for when employees manually change hours.
    • We should allow 1099 users to use the mobile app instead of restricting them to the website, especially since they can just log into the full website on their mobile device.
    Incentivized
    Read full review
    Human Interest
    • The only thing I can think of right off hand is that there's a day delay when we look at our total. So for instance, we heard the other day that there was a rally in the markets on Friday and that everybody had supposedly recouped all of their losses from March. We actually had to wait the whole weekend until Monday to log in to actually see what those were. And I know real time is really, really hard, but anytime we could get something faster, that would probably be my only.
    Read full review
    Likelihood to Renew
    Gusto
    Unless they break it, I'm never leaving. It's just too easy. Gusto is also really affordable, and for what I pay, it's worth having the historical record within the system. I like that I can go back and pull up W2's for year's past. This sort of easy access reporting, has been helpful especially when getting reports for PPP loans.
    Read full review
    Human Interest
    We will drop Human Interest as soon as they rectify their error in withdrawing $3600 in additional fees earlier this year
    Read full review
    Usability
    Gusto
    The overall platform and its speed of response are amazing. I would recommend this to any other business owner for ease of use and reliability. Email reminders are great if I’m super busy and have forgotten a few tasks. The price point compared to local payroll service is hands down a huge win.
    Incentivized
    Read full review
    Human Interest
    It's really easy to get, well, first of all, they get enrolled automatically so they get added to the platform automatically. They get removed from the platform automatically and everything is really easy to understand for someone who doesn't have a lot of experience. And that's actually a lot of our employees have never had a retirement benefit before. They don't know anything about it. They really don't understand how it works. There's also a little bit of a fear factor with deducting money from their paycheck to be able to contribute to this. And so how easy it is for them to get it set up and then the information that Human Interest gives them about what the benefit is, how it works, all that, it's great
    Read full review
    Reliability and Availability
    Gusto
    No answers on this topic
    Human Interest
    no issues so far
    Read full review
    Performance
    Gusto
    No answers on this topic
    Human Interest
    Easy to navigate
    Incentivized
    Read full review
    Support Rating
    Gusto
    Gusto's customer service has really deteriorated lately and they seem to have really changed their focus. It used to be when you called you were routed to an individual who knew about payroll, benefits, reporting, etc. but now you get someone who seems to have not received the correct training. My last call about a dismissal payroll took me over an hour of my time and the person still could not help me and finally transferred me to someone else.
    Incentivized
    Read full review
    Human Interest
    So we had a designated rep and he was fantastic. I don't remember his name at the moment, but he was almost immediately responsive. And you guys also partnered with us for client knowledge webinars and he was great. Great at that too.
    Read full review
    Online Training
    Gusto
    No answers on this topic
    Human Interest
    super easy to get going
    Read full review
    Implementation Rating
    Gusto
    Reach out to support immediately if you are having trouble setting up Gusto. Rather than being confused and trying to figure it out yourself, it's much better to talk to someone who knows what they are doing. Save yourself time and frustration and reach out to support
    Incentivized
    Read full review
    Human Interest
    A key insight from our implementation of Human Interest is that early coordination across finance, HR, and leadership is critical. The platform itself is straightforward, but ensuring payroll integration, compliance documentation, and employee education are aligned from the start makes the rollout smoother and increases adoption. Another insight is that employees respond best when given clear, simple communication about how to enroll and the benefits of participation—this minimizes confusion and builds trust in the program. Finally, dedicating time up front to review compliance and reporting features helps avoid issues later and gives leadership confidence in the plan’s long-term stability.
    Incentivized
    Read full review
    Alternatives Considered
    Gusto
    It's been a while since I used QuickBooks for payroll, but it doesn't even come close to it. Gusto is infinitely easier, allowing for employee time tracking, handling calculations and payments of payroll and payroll taxes, managing regulatory compliance in the background, and more. I had a lot of moments using QuickBooks Payroll where I thought, "Am I even doing this right?" — it felt like you had to have additional knowledge of HR regulations in your state to do everything correctly. Gusto has it ALL handled so you can focus your time on higher-impact tasks in your business.
    Incentivized
    Read full review
    Human Interest
    Insperity was horrible. Expensive, hidden fees at every corner, not communicative. They messed up my plan and didn't include the requested Safe Harbor provision and I had to pay the piper for their mistake. Nothing Insperity did was customer first, fiduciary, or even compliant. I have had the exact opposite experience with Human Interest and they cleaned up Insperity's mess without any complaints and dealt with Insperity dragging their feet on the conversion over a $1k offboarding fee I refused to pay after they screwed up my plan
    Incentivized
    Read full review
    Contract Terms and Pricing Model
    Gusto
    No answers on this topic
    Human Interest
    it was all great
    Read full review
    Scalability
    Gusto
    No answers on this topic
    Human Interest
    we are only using it for one employee but when we hire more, it will be easy to expand already setup
    Read full review
    Professional Services
    Gusto
    No answers on this topic
    Human Interest
    Very professional
    Incentivized
    Read full review
    Return on Investment
    Gusto
    • For me, it is hard to quantify payroll software as having an ROI. It does save quite a bit of time per pay period, so perhaps we could assign a theoretical number to an employee taking that time. I'd say, at the least, it saves 30-60 minutes a pay period compared to a more difficult-to-use payroll software.
    Incentivized
    Read full review
    Human Interest
    • It's been super positive because everyone wants payroll to be streamlined and not have to go into different systems. And I solved at Coastal, our platform is fully integrated with Human Interest and there's no fee to the customer for that. So that's definitely the best.
    Read full review
    ScreenShots

    Gusto Screenshots

    Screenshot of Gusto's automated payrollScreenshot of the time-off tracking interfaceScreenshot of the source of truth for HR data

    Human Interest Screenshots

    Screenshot of the Admin Portal - A summary page offers a snapshot of the plan.Screenshot of the Admin Portal - Employee List: See employees at a glance and information such as contribution rate, participation, balance, risk setting, etc.Screenshot of the Employee Dashboard - History View: Employees have the ability to view their YTD contribution amount and account related activity on this page.Screenshot of the Employee Dashboard - History View: Employees have the ability to view their YTD contribution amount and account related activity on this page.