Human Interest Review
by Human Interest Inc.
Human Interest is a 401(k) and 403(b) provider for small and medium-sized businesses, with payroll integrations, fiduciary services and zero transaction fees. Plans start at $80 a month plus $5 per eligible employee.
- Company size
- Small businesses, mid-market companies1
- Pricing model
- Base fee + per employee1
- Integrations
- 600+2
Best for
- Small and mid-sized employers that want published 401(k) pricing
- Employers that want the provider to sign and file Form 5500 (Complete and Concierge)
- Teams whose payroll is among 600+ supported integrations
Not ideal for
- Employers that want 3(16) fiduciary services on the entry plan (they start on Complete)
- Buyers who need a published ISO 27001 certification
How we evaluated Human Interest
This review rests on the 19 facts this page shows, each checked against the source listed under “Sources”, most recently on . We did not test the product hands-on: the score uses only those verified facts, as our methodology explains; third-party ratings, where we quote them, never count in the score.
Our verdict
Human Interest is a 401(k) and 403(b) provider for small and medium-sized businesses, based in San Francisco, with three plans priced as a monthly base fee plus a fee per eligible employee. Essentials starts at $80 a month plus $5 per eligible employee, it integrates with 600+ payrolls and its trust center lists SOC 2 Type 2.
Strengths
Published pricing
Three plans from $80 a month plus $5 per eligible employee, with zero transaction fees.
Evidence: Starting base fee: $80/mo1
Payroll coverage
Integrates with 600+ payrolls that enroll employees and process contributions automatically.
Evidence: Native integrations: 600+2
Fiduciary and filing support
Complete and Concierge include 3(16) fiduciary services and IRS Form 5500 signed and filed.
Evidence: Fiduciary services: Yes3
Developer API
A GraphQL API with webhooks for platforms that embed retirement plans.
Evidence: API: Yes4
Weaknesses
Asset-based fees for employees
Employees pay 0.05% of plan assets for recordkeeping plus an advisory fee, on top of fund expense ratios.
Setup fee
A one-time setup fee of $499 may apply.
Price at a glance
Human Interest cost at 10 to 100 employees
- Essentials$80/mo base + $5/employee/mo
- Complete$180/mo base + $7/employee/mo
- Concierge$280/mo base + $9/employee/mo
| Employees | Essentials | Complete | Concierge |
|---|---|---|---|
| 10 | $130/mo | $250/mo | $370/mo |
| 25 | $205/mo | $355/mo | $505/mo |
| 50 | $330/mo | $530/mo | $730/mo |
| 100 | $580/mo | $880/mo | $1,180/mo |
Monthly list price before discounts, add-ons and taxes, from the published price model of each plan.
Quick answers
- How much does Human Interest cost?
- Essentials is $80 a month plus $5 per eligible employee, Complete $180 plus $7 and Concierge $280 plus $9; a $499 setup fee may apply.Based on Implementation fee: A one-time setup fee of $499 may apply1
- What do employees pay with Human Interest?
- Employees pay asset-based fees: 0.05% of plan assets for recordkeeping plus an advisory fee of 0.01% or 0.018%, and fund expense ratios.Based on Extra costs: Recordkeeping and custody fee: 0.05% of plan assets, paid by employees, Investment advisory fee: 0.01% of plan assets with a 3(38) adviser or 0.018% with a 3(21) adviser, Fund expense ratios, Optional automatic rollover add-on: $10 a month1
- Which payrolls does Human Interest integrate with?
- More than 600, including Gusto, Paycom, Rippling, Paylocity, isolved, Paycor, Deel, BambooHR and UKG.Based on Notable integrations: Gusto, Paycom, Rippling, Paylocity, isolved, QuickBooks Online, Paycor, Deel, BambooHR, UKG2
- Is Human Interest SOC 2 certified?
- Its trust center lists SOC 1, SOC 2 Type 1 and SOC 2 Type 2.Based on SOC 2 Type II: Yes5
Coverage of core 401(k) providers capabilities
Each core capability we evaluate in 401(k) Providers, checked against Human Interest’s own documentation. “Not verified yet” means we have not confirmed it either way, not that it is missing.
8 verified of 10 core capabilities
Specifications
Human Interest integrations
10 integrations we document, by how they connect. Human Interest says it has 600+ integrations.
Human Interest integration coverage
The 4 apps that 401(k) providers products document most often, and whether Human Interest documents each.
3 of the 4 most-connected apps documented by Human Interest; median of the 5 products compared: 2
- Gusto · documented by 3 of 5
- Paychex · documented by 3 of 5
- Paylocity · documented by 3 of 5
- QuickBooks · documented by 2 of 5
Integrations each vendor documents (native, marketplace, Zapier, API or named by the vendor), 5 live 401(k) providers products. Not documented does not mean not possible.
Where it ranks
- #1 of 3 scored401(k) Providers
- #1 of 3 scored401(k) Providers for Mid-Sized Companies
- #1 of 1 scored401(k) Providers for QuickBooks
- #1 of 3 scored401(k) Providers for Small Business
Human Interest alternatives
Security and compliance
Implementation and support
Human Interest: frequently asked questions
What plan types does Human Interest offer?
Traditional and Roth 401(k)s, 403(b)s, safe harbor and profit-sharing plans, plus Solo 401(k) and IRA accounts.
Which retirement accounts does Human Interest offer?
Traditional and Roth 401(k)s, 403(b)s, safe harbor and profit-sharing plans, plus Solo 401(k) and IRA accounts.
What is Human Interest used for?
Human Interest is a 401(k) providers product built for small businesses and mid-market companies. Its modules include Traditional and Roth 401, 403, Safe harbor plans, Profit-sharing plans, Solo 401, and IRA.
What are the best alternatives to Human Interest?
In our 401(k) providers ranking, the highest-scored products other than Human Interest are Betterment at Work and Fidelity Workplace Investing. Compared side by side, by reason to switch: Human Interest alternatives.
What are the pros and cons of Human Interest?
Strengths documented on the vendor’s own pages: published pricing, payroll coverage, and fiduciary and filing support. It is less suited to employers that want 3(16) fiduciary services on the entry plan (they start on Complete) and buyers who need a published ISO 27001 certification.
Does Human Interest have an API?
Yes. Human Interest offers an API (GraphQL), with webhooks for event updates.
How long does it take to implement Human Interest?
Human Interest states a typical implementation of provider switches: migration in as few as 8 business days. Implementation fee: a one-time setup fee of $499 may apply.
How this page was made
What it is built from
19 verified facts, each checked against the vendor's own pages or another primary source, most recently on Oct 24, 2026.
Method
Scored and compared with the LeadChange methodology, version 1.5. Read the methodology
Independent review
Not reviewed yet by our independent reviewer. How we review
Hands-on testing
We have not tested Human Interest hands-on: this page uses public information only.
Who made it
The LeadChange Research Team, following a written research process. No named expert has reviewed this page. About us
Independence and errors
Who pays us never changes a score or a rank. If something here is wrong, tell us and we correct it publicly. Request a correction
Compare Human Interest pricing for your team
Answer one quick question and see what Human Interest lists for a team your size, next to the 2 alternatives that fit you best, ranked without regard to who pays us.
LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings never depend on whether a vendor pays us.We may earn a fee.
How we make money
LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings never depend on whether a vendor pays us.
Human InterestLeadChange Score 9.4
Sources
The 11 pages this page's facts come from. The date beside each is our last check of the facts taken from it (the oldest, when they differ). The numbers beside the figures above link here.
Quotes from the sources
- Human Interest humaninterest.com/pricing“Per eligible employee $5 / mo” “Human Interest Inc. is an affordable, full-service 401(k) and 403(b) provider that seeks to make it easy for small and medium-sized businesses to assist their employees with investing for retirement.”
- Human Interest humaninterest.com/payrolls“We integrate with 600+ leading payrolls.” “Gusto Auris Paycom Rippling Paylocity isolved QuickBooks Online Paycor Deel BambooHR UKG”
- Human Interest humaninterest.com/new-401k-standard“Simple pricing published on our pricing page” “Our support team is U.S.-based, staffed by trained employees with expertise in retirement”
- Human Interest docs.humaninterest.com“Build powerful integrations with our GraphQL API” “Get notified in real time when plans launch, documents are signed, and more.”
- Human Interest security.humaninterest.com“SOC 1 SOC 2 Type 1 SOC 2 Type 2”
- Human Interest humaninterest.com/features“We offer Traditional and Roth 401(k)s, 403(b)s, safe harbor plans, and profit-sharing plans”
- Human Interest humaninterest.com
- Human Interest humaninterest.com/hia/investments
- Fidelity Investments fidelity.com/retirement-ira/small-business/401k-plans“$100 monthly fee”
- Betterment betterment.com/work/pricing“We offer several tiers to fit your needs. From starter plans to full service, explore which one is right for you.”
- Principal simplyretirement.com/business-owners“With bundled pricing, the recordkeeping fee is $185 per month ($555 billed quarterly) plus per-participant fees.”