Human Interest
Human Interest Pricing
Human Interest pricing from the vendor’s own pricing page: 3 plans, cost by headcount, and the extra fees to budget for.
- starting price
- $80/mo + $5/employee1
Human Interest plans
Essentials
$5/employee/mo + $80/mo base1
Monthly base fee plus a fee per eligible employee
- Integration with 600+ payrolls
- U.S.-based support
- Customer Experience Guarantee
Complete
$7/employee/mo + $180/mo base1
Monthly base fee plus a fee per eligible employee
- 3(16) fiduciary services
- IRS Form 5500 signed and filed
- ERISA fidelity bond
Concierge
$9/employee/mo + $280/mo base1
Monthly base fee plus a fee per eligible employee
- Named account manager
- Compliance monitoring
- DOL audit defense
Price at a glance
Human Interest cost by company size
- 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 |
|---|---|---|---|
| 1 | $85/mo$3,060 over 3 yrs | $187/mo$6,732 over 3 yrs | $289/mo$10,404 over 3 yrs |
| 5 | $105/mo$3,780 over 3 yrs | $215/mo$7,740 over 3 yrs | $325/mo$11,700 over 3 yrs |
| 10 | $130/mo$4,680 over 3 yrs | $250/mo$9,000 over 3 yrs | $370/mo$13,320 over 3 yrs |
| 25 | $205/mo$7,380 over 3 yrs | $355/mo$12,780 over 3 yrs | $505/mo$18,180 over 3 yrs |
| 50 | $330/mo$11,880 over 3 yrs | $530/mo$19,080 over 3 yrs | $730/mo$26,280 over 3 yrs |
| 100 | $580/mo$20,880 over 3 yrs | $880/mo$31,680 over 3 yrs | $1,180/mo$42,480 over 3 yrs |
List prices before discounts and add-ons.
Extra and hidden costs
Implementation fee
Implementation: A one-time setup fee of $499 may apply.
Recordkeeping and custody fee
0.05% of plan assets, paid by employees1
Investment advisory fee
0.01% of plan assets with a 3(38) adviser or 0.018% with a 3(21) adviser1
Fund expense ratios
Listed by the vendor1
Optional automatic rollover add-on
$10 a month1
Price comparison
| Product | Starting price | Pricing model | Pricing details |
|---|---|---|---|
 Fidelity Workplace Investing | $100/mo3 | Base fee + per employee | Fidelity Workplace Investing pricing |
 Human Interest | $80/mo + $5/employee/mo1 | Base fee + per employee | Human Interest pricing |
 Betterment at Work | $100/mo + $5/employee/mo4 | Base fee + per employee | Betterment at Work pricing |
 Principal Financial Group | $145/mo + $6/employee/mo5 | Base fee + per employee | What Principal Financial Group costs |
| Vanguard Workplace Solutions | See plans | Base fee + per employee | What Vanguard Workplace Solutions costs |
 Empower | Quote only | Empower 401k pricing |
Lowest published monthly price of a plan for 401(k) providers, cheapest first at 25 employees. “See plans”: priced on another basis; “Quote only”: no published price.
Frequently asked questions
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.
Which Human Interest plan includes Form 5500 filing?
Complete. Human Interest’s pricing lists “IRS Form 5500 signed & filed” as included in the Complete plan, which costs $180 a month plus $7 per eligible employee.
What fees does Human Interest charge beyond the subscription?
Employees pay a 0.05% recordkeeping and custody fee on plan assets, an advisory fee of 0.01% or 0.018% and fund expense ratios; employers may pay a one-time $499 setup fee and $10 a month for the optional automatic rollover add-on.
What do alternatives to Human Interest cost?
Employer fees at 25 employees: $100 a month at Fidelity Advantage, whose participants also pay recordkeeping and advisory fees, $225 a month at Betterment Essential and $335 a month at Principal bundled.
What plans does Human Interest offer?
Human Interest lists 3 plans: Essentials ($5/employee/mo + $80/mo base), Complete ($7/employee/mo + $180/mo base), and Concierge ($9/employee/mo + $280/mo base). List prices, before discounts and add-ons.
How much does Human Interest cost per month?
On its lowest published plan ($80 plus $5 per head), Human Interest comes to about $130 a month for 10 employees and $330 for 50, at list price before add-ons and taxes; the Concierge plan lists at $9/employee/mo + $280/mo base. How that compares across the category: What 401(k) providers costs.
Does Human Interest charge an implementation fee?
Yes. Human Interest lists an implementation fee: A one-time setup fee of $499 may apply.
Who makes Human Interest?
Human Interest (a 401(k) providers provider) is headquartered in San Francisco, California, USA.
How this page was made
What it is built from
13 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
Our independent review of Nov 6, 2026 asked for changes. 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
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Human Interest Pricing
Sources
The 5 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” “Move between Essentials, Complete, and Concierge at any time as your needs change.”
- Human Interest humaninterest.com/new-401k-standard“Simple pricing published on our pricing page”
- Fidelity Investments fidelity.com/retirement-ira/small-business/401k-plans“$100 monthly fee”
- Betterment betterment.com/work/pricing“monthly record-keeping fee per participant”
- Principal simplyretirement.com/business-owners/why-simply-retirement“a $6 monthly fee per participating employee”