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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    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
    Human Interest
    Editions & Modules
    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
    Human Interest
    Free Trial
    No
    Free/Freemium Version
    No
    Premium Consulting/Integration Services
    No
    Entry-level Setup Fee$499 one-time fee
    Additional DetailsHuman 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
    Human Interest
    Considered Both Products
    Human Interest
    Chose Human Interest
    More personable.
    Incentivized
    Chose Human Interest
    Paychex Flex was a terrible experience from start to finish. Bad communication, no follow-through, incorrect setups, etc... HI has been the opposite of all those things so far.
    Incentivized
    Chose Human Interest
    Similar
    Incentivized
    Chose Human Interest
    I don't know what competes with Human Interest; as an employer, this is my first interaction with a 401(k) platform. As an employee, this lacks a lot of the functionality I'm used to seeing in other platforms.
    Incentivized
    Chose Human Interest
    Previously we utilized John Hancock which was a nightmare from the user standpoint and a huge time waster from the administrative standpoint. The very outdated platform made it incredibly difficult to manage. The one thing I miss from John Hancock is the enrollment and …
    Incentivized
    Chose Human Interest
    Human Interest is 10 times better in every aspect then Paychex.
    Incentivized
    Chose Human Interest
    Setting up Vestwell took months and there was no integration into my previous payroll system .
    Incentivized
    Chose Human Interest
    ease of use
    Incentivized
    Chose Human Interest
    We were using American Funds Group, but it was convoluted and difficult to understand. Human Interest calculates the numbers for us and it is so much easier.
    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
    Human Interest beats out all other providers.
    Incentivized
    Chose Human Interest
    Human Interest is more cost effective and easier to navigate than Empower.
    Incentivized
    Chose Human Interest
    We just found the cost to participate in the mass marketed investing options were beyond the administrative and financial capacity of our small business.
    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
    We didn't really search for others; Human Interest was the preferred 403b provider for our services through Rippling.
    Incentivized
    Chose Human Interest
    I met a rep at a tax conference and didn't seriously evaluate any alternatives
    Incentivized
    Chose Human Interest
    We went with Human interest due to its simplicity for our small business that will take few years to grow. We needed guidance and simplicity for us to understand what will be required from us as employers to help our employees have benefits. As our company grows we know that …
    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
    Key User Insights
    Would buy again
    86%
    Would buy again
    165 Answers
    Delivers good value for the price
    92%
    Delivers good value for the price
    155 Answers
    Happy with the feature set
    90%
    Happy with the feature set
    172 Answers
    Lived up to sales and marketing promises
    84%
    Lived up to sales and marketing promises
    145 Answers
    Implementation went as expected
    83%
    Implementation went as expected
    150 Answers
    Features
    Human Interest
    401(k)
    Comparison of 401(k) features of Human Interest
    Feature
    Human Interest
    9.5
    70 Ratings
    18% above category average
    Payroll Integration9.560 Ratings
    Compliance Maintenance9.465 Ratings
    Plan Flexibility9.665 Ratings
    Filings and Disclosures9.265 Ratings
    Ease of Enrollment9.868 Ratings
    User Ratings
    Human Interest
    Likelihood to Recommend
    9.5
    (157 ratings)
    Likelihood to Renew
    8.3
    (8 ratings)
    Usability
    9.6
    (150 ratings)
    Availability
    10.0
    (2 ratings)
    Performance
    9.4
    (2 ratings)
    Support Rating
    7.8
    (7 ratings)
    Implementation Rating
    9.0
    (4 ratings)
    Contract Terms and Pricing Model
    9.4
    (2 ratings)
    Ease of integration
    10.0
    (1 ratings)
    Product Scalability
    10.0
    (2 ratings)
    Professional Services
    10.0
    (2 ratings)
    Vendor post-sale
    10.0
    (2 ratings)
    Vendor pre-sale
    9.4
    (2 ratings)
    User Testimonials
    Human Interest
    Likelihood to Recommend
    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
    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
    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
    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
    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
    Human Interest
    no issues so far
    Read full review
    Performance
    Human Interest
    Easy to navigate
    Incentivized
    Read full review
    Support Rating
    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
    Human Interest
    super easy to get going
    Read full review
    Implementation Rating
    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
    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
    Human Interest
    it was all great
    Read full review
    Scalability
    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
    Human Interest
    Very professional
    Incentivized
    Read full review
    Return on Investment
    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

    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.