# 401GO, Guideline vs Human Interest Comparison | | 401GO | Guideline | Human Interest | |---|---|---|---| | **Star Rating** | 4.8 out of 5 | 4.5 out of 5 | 4.3 out of 5 | | **Total Reviews** | 150 | 1,154 | 2,340 | | **Largest Market Segment** | Small-Business (91.7% of reviews) | Small-Business (89.6% of reviews) | Small-Business (82.5% of reviews) | | **Entry Level Price** | $25.00 25 per month | $2 per participant | 0.3% AUM fee | $49.00 49 per month + $6/mo per active participant Per Month | $80.00 80 per month + $5 per eligible employee | --- ## Top Pros & Cons ### 401GO Pros: - 401k Management (5 reviews) - Customer Support (5 reviews) Cons: - Inadequate Guidance (2 reviews) - Manual Labor (2 reviews) ### Guideline Pros: - Ease of Use (171 reviews) - Easy Setup (130 reviews) Cons: - Limited Options (20 reviews) - Limited Investment Options (19 reviews) ### Human Interest Pros: - Easy Setup (266 reviews) - Ease of Use (242 reviews) Cons: - Poor Customer Support (85 reviews) - Difficulty Understanding (46 reviews) --- ## Ratings Comparison | Rating | 401GO | Guideline | Human Interest | |---|---|---|---| | **Meets Requirements** | 9.5 (119 reviews) | 9.2 (992 reviews) | 9.0 (1775 reviews) | | **Ease of Use** | 9.3 (121 reviews) | 9.3 (1018 reviews) | 8.9 (1811 reviews) | | **Ease of Setup** | 9.3 (101 reviews) | 9.2 (947 reviews) | 8.8 (1692 reviews) | | **Ease of Admin** | 9.3 (97 reviews) | 9.3 (943 reviews) | 8.9 (1533 reviews) | | **Quality of Support** | 9.5 (118 reviews) | 8.7 (875 reviews) | 8.3 (1689 reviews) | | **Has the product been a good partner in doing business?** | 9.6 (97 reviews) | 9.1 (932 reviews) | 8.8 (1525 reviews) | | **Product Direction (% positive)** | 9.4 (114 reviews) | 8.5 (972 reviews) | 7.8 (1721 reviews) | --- ## Pricing ### 401GO #### Entry-Level Pricing Plan: GO-Starter Price: $25.00 25 per month | $2 per participant | 0.3% AUM fee Description: A very simple plan, a good alternative to a state program Key Features: - 15-minute guided setup - Automated administration - Roth (post-tax) or traditional [Browse all 3 editions](https://www.g2.com/products/401go/pricing) #### Free Trial No ### Guideline #### Entry-Level Pricing Plan: Starter Price: $49.00 49 per month + $6/mo per active participant Per Month Description: A simplified 401(k) with limited features and easy administration. Key Features: - $6,000 employee contribution limit***** - No employer contributions - Exempt from IRS testing [Browse all 3 editions](https://www.g2.com/products/guideline/pricing) #### Free Trial No ### Human Interest #### Entry-Level Pricing Plan: Essentials Price: $80.00 80 per month + $5 per eligible employee Description: Your affordable all-in-one 401(k) solution. Key Features: - "No-Touch” integration with 500+ payroll providers - Flexible plan design including auto-enroll and safe harbor - Automated administration and recordkeeping [Browse all 3 editions](https://www.g2.com/products/human-interest/pricing) #### Free Trial No --- ## Features Comparison By Category ### 401(k) | Product | Score | Reviews | |---|---|---| | **401GO** | 9.1/10 | 113 | | **Guideline** | 8.8/10 | 888 | | **Human Interest** | 8.8/10 | 1517 | #### Onboarding | Feature | 401GO | Guideline | Human Interest | |---|---|---|---| | **Administrators** | 9.2 (105 reviews) | 8.8 (855 reviews) | 8.5 (1368 reviews) | | **Employees** | 9.4 (105 reviews) | 9.1 (868 reviews) | 8.8 (1380 reviews) | #### Dashboard | Feature | 401GO | Guideline | Human Interest | |---|---|---|---| | **Balances** | 9.2 (101 reviews) | 9.1 (844 reviews) | 8.9 (1294 reviews) | | **Investments** | 9.2 (98 reviews) | 8.8 (839 reviews) | 8.7 (1263 reviews) | | **Personal Information** | 9.3 (96 reviews) | 9.0 (829 reviews) | 8.9 (1273 reviews) | #### Compliance | Feature | 401GO | Guideline | Human Interest | |---|---|---|---| | **IRS** | 9.1 (79 reviews) | 9.2 (795 reviews) | 8.9 (1178 reviews) | | **Tax Benefits** | 9.2 (87 reviews) | 9.1 (804 reviews) | 8.8 (1186 reviews) | #### Administration | Feature | 401GO | Guideline | Human Interest | |---|---|---|---| | **Monitoring** | 9.0 (90 reviews) | 9.0 (812 reviews) | 8.8 (1253 reviews) | | **Reporting** | 8.9 (95 reviews) | 8.9 (819 reviews) | 8.6 (1246 reviews) | #### Generative AI | Feature | 401GO | Guideline | Human Interest | |---|---|---|---| | **AI Image-to-Text** | 8.5 (13 reviews) | 6.8 (366 reviews) | Feature Not Available | --- ## Categories **Shared Categories (1):** [401(k) Software](https://www.g2.com/categories/401-k) --- ## Reviewer Demographics ### By Company Size | Segment | 401GO | Guideline | Human Interest | |---|---|---|---| | **Small-Business** | 91.7% | 89.6% | 82.5% | | **Mid-Market** | 8.3% | 10.4% | 17.2% | | **Enterprise** | 0% | 0% | 0.3% | ### By Industry #### 401GO - **Financial Services:** 16.0% - **Accounting:** 12.5% - **Hospital & Health Care:** 9.7% - **Construction:** 8.3% - **Computer Software:** 4.2% - **Health, Wellness and Fitness:** 3.5% - **Management Consulting:** 2.8% - **Insurance:** 2.1% - **Internet:** 2.1% - **Investment Management:** 2.1% - **Other:** 36.8% #### Guideline - **Computer Software:** 9.9% - **Information Technology and Services:** 6.6% - **Accounting:** 6.3% - **Marketing and Advertising:** 4.9% - **Financial Services:** 4.3% - **Hospital & Health Care:** 4.3% - **Construction:** 4.2% - **Non-Profit Organization Management:** 3.9% - **Legal Services:** 3.8% - **Consulting:** 3.8% - **Other:** 48.1% #### Human Interest - **Computer Software:** 7.0% - **Construction:** 6.9% - **Hospital & Health Care:** 5.9% - **Information Technology and Services:** 5.6% - **Non-Profit Organization Management:** 4.7% - **Mental Health Care:** 3.7% - **Health, Wellness and Fitness:** 3.4% - **Financial Services:** 3.2% - **Marketing and Advertising:** 3.1% - **Accounting:** 3.0% - **Other:** 53.4% --- ## Alternatives ### Alternatives to 401GO - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (546 reviews) - [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews) - [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.5/5 stars (5 reviews) - [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) — 4.2/5 stars (56 reviews) - [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews) - [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews) - [Saveday](https://www.g2.com/products/saveday/reviews) — 4.0/5 stars (1 reviews) - [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews) - [Money intelligence](https://www.g2.com/products/money-intelligence/reviews) — 0.0/5 stars (0 reviews) - [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews) ### Alternatives to Guideline - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (546 reviews) - [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews) - [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) — 4.2/5 stars (56 reviews) - [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.5/5 stars (5 reviews) - [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews) - [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews) - [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews) - [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews) - [Saveday](https://www.g2.com/products/saveday/reviews) — 4.0/5 stars (1 reviews) - [ADP Retirement Services](https://www.g2.com/products/adp-adp-retirement-services/reviews) — 4.4/5 stars (4 reviews) ### Alternatives to Human Interest - [Betterment at Work](https://www.g2.com/products/betterment-at-work/reviews) — 4.3/5 stars (546 reviews) - [ForUsAll](https://www.g2.com/products/forusall/reviews) — 3.9/5 stars (21 reviews) - [Vestwell](https://www.g2.com/products/vestwell/reviews) — 3.5/5 stars (5 reviews) - [Ubiquity Retirement](https://www.g2.com/products/ubiquity-retirement/reviews) — 4.2/5 stars (56 reviews) - [Betterment Advisor Solutions](https://www.g2.com/products/betterment-advisor-solutions/reviews) — 4.4/5 stars (64 reviews) - [Transamerica Retirement Solutions](https://www.g2.com/products/transamerica-retirement-solutions/reviews) — 4.4/5 stars (5 reviews) - [Slavic 401k](https://www.g2.com/products/slavic-401k/reviews) — 1.9/5 stars (4 reviews) - [Saveday](https://www.g2.com/products/saveday/reviews) — 4.0/5 stars (1 reviews) - [AB401k](https://www.g2.com/products/ab401k/reviews) — 0.0/5 stars (0 reviews) - [ShareBuilder 401k](https://www.g2.com/products/sharebuilder-401k/reviews) — 0.0/5 stars (0 reviews) --- ## Top Discussions ### 401GO No discussions available for this product. ### Guideline - Title: [What is Guideline used for?](https://www.g2.com/discussions/what-is-guideline-used-for) — 1 comment > **Top comment:** "Retirement saving accounts" - Title: [Would you possibly make monthly statements available as a feature?](https://www.g2.com/discussions/50689-would-you-possibly-make-monthly-statements-available-as-a-feature) — 1 comment, 1 upvote > **Top comment:** "yes" - Title: [Can I use this for myself as the owner?](https://www.g2.com/discussions/46542-can-i-use-this-for-myself-as-the-owner) — 1 comment, 1 upvote > **Top comment:** "Yes, you can use this as the owner and reap the benefits of whatever company match you decide to offer." ### Human Interest - Title: [Is it legal to take custody of someone's assets without notifying them or allowing them to access them?](https://www.g2.com/discussions/is-it-legal-to-take-custody-of-someone-s-assets-without-notifying-them-or-allowing-them-to-access-them) — 2 comments, 1 upvote > **Top comment:** "Adam, can you please reach out to our team - advocate@humaninterest.com? They'll be able to assist you best. Thanks! " - Title: [Share your experience with Human Interest integration with payroll system.](https://www.g2.com/discussions/share-your-experience-with-human-interest-integration-with-payroll-system) — 2 comments, 1 upvote > **Top comment:** "My experience with Human Interest's integration is that the company have hijacked my assets without notifying me. For one month (so far), they have rejected..." - Title: [Utilizing more Graphs on Website](https://www.g2.com/discussions/utilizing-more-graphs-on-website) — 2 comments, 1 upvote > **Top comment:** "Hi Zachary, I'd be happy to help. What kind of graphs are you looking to build out? If you could provide a bit of information I can help find some answers or..." - Title: [Do you have a flyer or email that I can use to send to clients who are interested in having a retirement provider?](https://www.g2.com/discussions/do-you-have-a-flyer-or-email-that-i-can-use-to-send-to-clients-who-are-interested-in-having-a-retirement-provider) — 1 comment, 1 upvote *(includes official response)* > **Top comment:** "Hi Laura, As requested, please see the link below to learn more about Human Interest's three-tier pricing structure and different levels of service:..." - Title: [What happened to my data?](https://www.g2.com/discussions/what-happened-to-my-data) — 1 comment, 1 upvote > **Top comment:** "Hi Adam, We apologize that you haven't received the service that we strive to provide to all of our customers. We've reviewed the history of your plan..." --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/401go-vs-guideline-vs-human-interest)