Human Interest: Highest-Rated 401(k) Plan Provider
Give your employees the highest-rated 401(k)
We listened and built what employers actually need — a new standard for retirement.
On G2, Google, and Trustpilot, as of 6/9/26. “Highest-rated” on G2. Client reviews incentivized with non-cash compensation. See more.
Maxx Potential
Richmond, VA
90 employees, customer for 5 years
Becky's PetCare
Springfield, VA
70 employees, customer for 3 years
Habitat for Humanity of Summit and Wasatch Counties
Park City, UT
30 employees, customer for 1 year
Trusted by 47,000+ businesses
Human Interest set The New 401(k) Standard
That's why we launch 1 in 3 new 401(k) plans, the most of any provider
Easy Administration
Covered Compliance
Dedicated Service
Delightful Experience
Simple Pricing
Easy Administration
- Don’t take on a second job
- Spend minutes per month, not hours
- We keep employee data in sync with payroll
- We process contributions automatically
- We select investments, monitor performance, and take on the fiduciary liability
- We handle approvals when employees request a loan or distribution
- We provide all the IRS calculations to your CPA
You run your business. We run your plan.
Design your plan
- Pick a popular option or customize your own.
Connect your payroll and bank account
- Find your payroll provider from our 600+ integrations and link your bank account.
We handle the rest
- Compliance, IRS filings, co-fiduciary oversight, employee support, and more.
Customer Testimonials
Becky O’Neil
President & CEO at Becky’s PetCare
I worked with two other 401(k) companies prior to Human Interest. We switched because they were so easy to work with. It’s seamless - they integrate with my payroll and support is fantastic.
Meagan Nielsen
Administrative Director at Habitat for Humanity of Summit and Wasatch Counties
For a long time, we could not offer a 401(k) plan. Thankfully, we partnered with Human Interest. It was a huge game changer for us to be able to provide an elevated retirement plan to our staff members that anybody could take advantage of.
John Spauls
Chief Operating Officer at Maxx Potential
The Concierge plan has been exceptional. It really is a seamless process, which is amazing from my perspective because it lets me focus on other important work and strategizing for my business.
Industry first
We built what didn’t exist
Zero Transaction Fees
- We eliminated the 20+ per-transaction fees other providers may still charge employers and employees.
Employee Cash Back Incentive
- We offer 3% cash back (up to $250) to help lower-wage employees start saving.
Money-Backed Customer Experience Guarantee
- We publish measurable service standards — and compensate you if we miss them.
Large Plan Audit Relief
- We cover the cost of the independent audit required for plans with 100+ participants.
DOL Audit Defense
- We provide legal referrals and reimburse expenses if the Department of Labor audits your plan.
Notice Delivery Protection
- We absorb the cost and admin of mailing your required participant notices via USPS.
Common questions
Are we too small to offer a 401(k)?
- No. Human Interest serves companies from 1 to 1,000+ employees. Plans are affordable at any size.
How long does it take to set up?
- New plans can be set up in minutes. For existing plans transitioning to Human Interest, plan setup can be completed and ready for employee enrollment in as few as 8 business days.
How do employees choose their investments?
- Employees start automatically in a diversified portfolio or they can create a custom portfolio from their plan’s lineup.
Will my payroll work with Human Interest?
- We integrate with 600+ payroll providers, so we likely work with yours.
Get an award-winning 401(k) for your team
Notes
Five-star rating claim is based on a Human Interest aggregate count of 5-star reviews across G2, Google, and Trustpilot as of June 2026 compared to other 401(k) providers listed on these platforms. Testimonials may not be representative of the experience of others and past success does not guarantee future results.
Highest-rated 401(k) claim is based on G2’s “Highest Rated 401(k) Software” list ranking as of 6/9/26.