# RETIREMENT PLANS FOR STARTUPS

## 401(k) plans that can grow with your startup.

Help build a people-first culture. Offer an affordable 401(k) plan to help attract and retain top talent.

## Retirement plans are complex. Let Human Interest guide you.

Our team of experts will help maintain and operate your startup retirement plan.

## In-house recordkeeping

Automated plan administration tracks participation, contributions, distributions, and more.

## Regulatory support

We reduce fiduciary liability by preparing select government filings. And for some clients, we sign and file the Form 5500.

## On-demand reporting

Get a 360-degree view of your plan, access reports, and see which employees have joined.

## Plan compliance & testing

Don’t stress about IRS testing and regulatory deadlines. We’ll help handle them for you.

## The SMB 401(k) with the most payroll integrations

Help take the burden off your HR team. We sync with **600+** payrolls to help streamline administrative tasks.

## 401(K) BUILT FOR GROWING TEAMS

## Focus on running your startup. We’ll help with your retirement plan.

**Designed to be easy to use.** Flexible plan design allows you to customize eligibility and add employer match options.

**Reduce manual work.** In-house recordkeeping and ERISA compliance—plus select 3(16) fiduciary services depending on your plan.

**Help drive employee loyalty.** A Human Interest study found that a retirement plan is the most-wanted benefit, after health insurance.

## A 401(k) may be more affordable than you think.

Get a customized, full-service retirement plan with transparent pricing - and zero transaction fees.

Monthly pricing starting at only:

$80

base fee

+

$5

per eligible employee

## Give your employees the 401(k) they deserve

**Sign up in minutes.** Employees can sign up online—or on their phones—in less than five minutes.

**Flexible investment options.** Employees can choose model portfolios that automatically rebalance—or build their own lineup.

**Built-in education.** Enrollment webinars and online resources help your team get the most from plans.

## MAXIMIZE TAX SAVINGS FOR YOUR STARTUP

## A 401(k) may mean additional tax credits for startup employers.

Employers may be eligible for tax credits of up to **$5,000/year** for three years for setting up a new 401(k) + **$500/year** for three years for setting up auto-enrollment.

## Resources for startup employers

## Investment philosophy

Employees can access funds in every major asset category.

## Starting a 401(k) plan

Discover how small business owners can start and manage a 401(k) plan.

## Payroll integration benefits

Integrate your payroll and 401(k) plan for automation, efficiency, and compliance benefits.

## 401(k) for startups frequently asked questions

### What fees do 401(k) recordkeepers charge sponsoring employers for administering a 401(k)?

### What is a 3(16) fiduciary and why is it important?

### Are startups required to offer a retirement plan?

### What options do I have when choosing the design of my plan?

### What are the tax advantages of starting a 401(k) for startups?

### What employees are eligible to participate in a 401(k) plan?

### What is 401(k) nondiscrimination testing?

### How do I change the provider of my current retirement plan?

### Who qualifies for a solo 401(k)?