Find the best plan for your business

A Human Interest Advisory Fee of 0.50% of plan assets per year is billed to the employee's account. A one-time setup fee of $499 may apply. All prices are exclusive of applicable taxes. 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.

With Human Interest, your employees can:

  • Open an account and start saving for retirement in a few easy steps

  • Access built-in investment education and automatic portfolio rebalancing

  • Check balances or change contributions at any time

  • Receive phone and email support for rollovers, loans, and hardship withdrawals

  • Access low-cost funds from every major asset class

Our Investment Philosophy

Our product is designed to:

  • Make retirement plans affordable for employers to help people in all lines of work.

  • Provide built-in investment education for employees while keeping fees far below the industry average.

  • Take care of administration, paperwork, and compliance so you can spend your time building your business, not managing your retirement plan.

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Low-cost 401(k) with transparent pricing

Sign up for an affordable and easy-to-manage 401(k).

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Frequently asked questions

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Human Interest, 2022


The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in total assets is 1.60% of assets, according to the 23rd Edition of the 401k Averages Book, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees, or any other asset-based charges.


Retirement Plans Startup Costs Tax Credit. Small business employers may be eligible for tax credits of up to $5,000/year for three years for setting up a new 401(k) or 403(b) + $500/year for three years for setting up auto-enrollment.