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 5500.2

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 integrations2

Help take the burden off your HR team. We sync with 450+ payrolls to help streamline administrative tasks.


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.3

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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:


base fee


per eligible employee

Get Started

For information about Human Interest’s pricing, please refer to our pricing page, which describes the fees charged for administrative and advisory services. Fees for investment advisory services are billed according to the Terms of Service. A one-time setup fee of $499 may apply. Fees are typically up to 0.50% annually and include custody fees. Underlying mutual fund fees will also be charged. In the event that the plan sponsor wants to bring in a third-party advisor, the third-party advisor fee would be defined as part of a separate agreement.

Help your team save for the future

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.

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Being able to launch a great benefits package and then not give it a second thought was just what we needed. It allowed us to focus on what mattered.

Alison Hunter

Head of People Operations at CloudTrucks

Human Interest solicited clients for testimonials. Active solicitation may make a customer more likely to portray Human Interest favorably. Testimonials are unique to an individual, may not be representative of the experience of others, and past success does not guarantee future results.


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.4

Calculate the cost of starting a 401(k)

Resources for startup employers

Investment philosophy

Employees can access mutual funds in every major asset category.

View our fund lineup

Starting a 401(k) plan

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

Read our guide on starting a 401(k)

Payroll integration benefits

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

Read the advantages of integrating payroll

Clear, affordable 401(k) pricing

Customized retirement plans start at $120 per month + $4 per employee per month
- with zero transaction fees.5

Get Started

401(k) for startups
frequently asked questions



We prepare select government filings (e.g., the Form 5500). Signing on behalf of customer reserved for Concierge & Complete pricing plans.


Human Interest, 2022.


401(k) plans are the most-wanted benefit after health insurance. Human Interest, 2022.


Retirement Plans Startup Costs Tax Credit.


See our pricing page for more details:


Data, including ranges provided for the Individual and Plan Fees table, based on Human Interest competitive analysis conducted between 2021 and 2022 using 408(b)(2) fee disclosures provided from 554 plans covering various plan service providers. Actual fee amounts and types of fees charged by any provider will vary. Not all providers will charge all fees listed. Information is subject to change.