Human Interest
What Human Interest is
Human Interest provides workplace 401(k) and 403(b) retirement plans with payroll deductions. It is available through web, Android, and iOS, and has no free plan. Essentials costs $80 a month, plus 5 USD per month for each eligible employee. It includes payroll integrations, automatic enrollment, and an employee cash-back incentive. Complete costs $180 a month, plus 7 USD per eligible employee, and adds 3(16) fiduciary services, IRS Form 5500 signing and filing, an ERISA fidelity bond, and loan and distribution approval. Concierge costs $280 a month, plus 9 USD per eligible employee. It includes Complete features and adds a named account manager, compliance monitoring, DOL audit defense, and Tax Savings Maximizer. The listed pricing combines a base monthly fee with an eligible-employee charge. Human Interest is headquartered in San Francisco, California, United States.
Who it suits
Human Interest suits employers seeking workplace 401(k) or 403(b) plans with payroll deductions. It may fit organizations that need automatic enrollment, fiduciary services, compliance support, or account management.
What it does well
- Supports 401(k) and 403(b) plans
- Payroll deductions are available
- Automatic enrollment in Essentials
- Compliance monitoring in Concierge
- Available on web, Android, and iOS
What to know first
- No free plan
- Monthly base fee plus employee charge
- Pricing starts at 80 USD per month
- Higher tiers cost 180 or 280 USD monthly
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Essentials | $80/mo base + $5/mo per eligible employee · $0 transaction fees · $499 one-time setup fee may apply · 0.01% or 0.018% monthly advisory fee and 0.05% recordkeeping/custody fee may apply | $80 a month |
| Complete | $180/mo base + $7/mo per eligible employee · $0 transaction fees · $499 one-time setup fee may apply · 0.01% or 0.018% monthly advisory fee and 0.05% recordkeeping/custody fee may apply | $180 a month |
| Concierge | $280/mo base + $9/mo per eligible employee · $0 transaction fees · $499 one-time setup fee may apply · 0.01% or 0.018% monthly advisory fee and 0.05% recordkeeping/custody fee may apply | $280 a month |
As humaninterest.com lists them, read 14 Nov 2026. The maker's own page has the final word.
Verdict
Human Interest offers employer retirement plans with payroll deductions and three paid tiers. The higher plans add fiduciary, filing, compliance, support, and account-management services.
Facts from Human Interest's own pages
- API
- Human Interest offers developer documentation for building integrations with its GraphQL API. · docs.humaninterest.com, 14 Nov 2026
- Auto enrollment
- Employees are automatically enrolled or can customize their setup. · humaninterest.com, 14 Nov 2026
- Company history
- Human Interest was founded in 2015 and is headquartered in San Francisco. · humaninterest.com, 14 Nov 2026
- Compliance
- Complete and Concierge include 3(16) fiduciary services and IRS Form 5500 signing and filing. · humaninterest.com, 14 Nov 2026
- Concierge features
- Concierge adds an account manager, compliance monitoring, DOL audit defense, tax savings maximizer, and Audit Relief. · humaninterest.com, 14 Nov 2026
- Headquarters
- San Francisco, California, United States · humaninterest.com, 4 Oct 2026
- Investments
- Human Interest Advisors selects available plan investments, monitors performance, and assumes fiduciary liability. · humaninterest.com, 14 Nov 2026
- Payroll automation
- Payroll integration automatically processes contributions and keeps employee data in sync without manual file uploads. · humaninterest.com, 14 Nov 2026
- Payroll integrations
- The plans include integration with more than 600 payroll providers. · humaninterest.com, 14 Nov 2026
- Product
- Human Interest is a full-service 401(k) and 403(b) provider for small and medium-sized businesses. · humaninterest.com, 14 Nov 2026
- Security
- The company says its website connections use 128-bit TLS encryption and that it does not sell user data. · humaninterest.com, 14 Nov 2026
- Security compliance
- The Trust Center lists CCPA, GLBA, SOC 1, SOC 2 Type 1, and SOC 2 Type 2 compliance materials. · security.humaninterest.com, 14 Nov 2026
- Support
- Plans include U.S.-based support from Human Interest employees. · humaninterest.com, 14 Nov 2026
- Transaction fees
- The listed plans state zero transaction fees. · humaninterest.com, 14 Nov 2026
Where Human Interest stands on Freedom251
- 401(k) Software#6 of 14
- Benefits Administration Software#42 of 48