Human Interest headquartered in San Francisco offers their cloud-based 401k administation platform for employers featuring flexible plan design and a dedicated account manager.
$1,205
per month
OnPay
Score 9.8 out of 10
N/A
OnPay's payroll and HR is designed for people who want to spend more time running their business, and less on back-office tasks. The application aims to enable users to: • Run payroll • Automate taxes • Let employees do more themselves • Simplify HR processes • Offer benefits in any state OnPay is $49 plus $6 per person each month. The monthly fee includes integrations with QuickBooks, Xero, and time-tracking software, as well as all quarterly and year-end…
N/A
Pricing
Human Interest
OnPay
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
No answers on this topic
Offerings
Pricing Offerings
Human Interest
OnPay
Free Trial
No
Yes
Free/Freemium Version
No
No
Premium Consulting/Integration Services
No
No
Entry-level Setup Fee
$499 one-time fee
No setup fee
Additional Details
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.
First month free, then $49 + $6 per employee each month.
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.
I'd say if you had someone who wasn't educated on how Payroll should be setup and function OnPay is less ideal. But even then you've got things so well setup and cost efficient, they could afford to put some focus on training. In my mind I imagine OnPay is the best solution for small to mid, even early large, company Payroll processing. We're a small company so I'm unaware of the options provided to streamline importing of large group payrolls, but that might be an area where the interface could provide challenges.
Payroll cycles in small business can be a weekly on-cycle evolution which is not automatically recognized.
The Annual Census verification, and IRS requirement, is cumbersome as a resubmission of data already known.
Email to new participants can go unaddressed without notification to the company administrator. Better to illicit early follow-up than wait till their emails expire do to participant non-action.
I would like to enter some payroll information in advance of the current payroll runs
Adding and changing administrators was a bit cumbersome and took several days
It works fine for a small number of people being paid if they can be seen on one screen but it might be cumbersome with more than about 10 people. Probably needs a better or different procedure with more people.
We have used OnPay for a few years now and we do continue to renew our annual use of OnPay. We are only a small organization and although OnPay provides a lot of additional services that larger organizations might ind useful, OnPay still meets our limited requirements of running bi-weekly payroll and submitting our quarterly state and federal tax documents, and at a price that we still find affordable.
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
OnPay is very easy to use. The computer interface is setup very well. You can quickly add people, enter your Payroll, print reports, etc. If your Payroll doesn't change from pay period to pay period (example, salaried employees) it takes mere seconds to enter in your Payroll.
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.
I've only had to call a couple of times, and each time the customer service rep is extremely thorough and helpful. I've never had the experience, like I do with some other companies, of feeling stressed or irritated with the reps. They are competent, educated, and easily walk me through the system
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.
So we had previously been with Empower, which is another 401k. They're substantially larger. Their web platform is very bulky. Their compliance was hard to get information from. We really liked when we talked with Human Interest Implementation Team that we could get pretty much right to the top. I mean, if we wanted to talk to their COO, we could do that and that all of their compliance stuff just seems to be tied in as the compliance director. That's really important to me.
OnPay is tremendously less expensive and technically superior to Quickbooks in my opinion. OnPay is less expensive and offered the ease of managing a restaurant payroll that was better in my opinion than When I Work. My experience when evaluating all of the payroll products that I felt the company could afford was that OnPay had a superior staff of professionals who knew their product and could explain how to use it most clearly.
I think it's a little bit hard for me to say since I have been more of a recommender of these products in my roles. I've been at a lot of early stage companies that we're looking for solutions and I've recommended human interest because I think it's easy for scaling organizations to get in place. I think in a large organization, what I would talk to is very specifically the user experience. I think 401k understanding and most large organizations is a very for, it's something that's forgotten. And what that means is basically we kind of give it to folks, but we don't actually teach them or help them leverage it. And so they're very on their own. I think human interest is so easy to use that you provide a better experience from day one there, let alone from actually really setting it up correctly.
