Human Interest Pricing Overview

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Essentials

$80.00

80 per month + $5 per eligible employee

Your affordable all-in-one 401(k) solution.

Complete

$180.00

180 per month + $7 per eligible employee

End-to-end administration to reduce your fiduciary liability

Concierge

$280.00

280 per month + $9 per eligible employee

Dedicated account manager for high touch service experience

Employees pay a recordkeeping services and custody-related asset-based fee of 0.05% to Human Interest Inc., an investment advisory fee of 0.01% to Human Interest Advisors, plus underlying fund fees. Asset-based fees are deducted monthly from the employee’s account according to the HII Terms of Service and HIA Terms of Service. All prices are exclusive of applicable taxes. If the plan sponsor elects to hire an external investment advisor, the plan sponsors will pay such advisor as agreed between the plan sponsor and advisor.

Human Interest has 3 pricing editions, from $80 to $280. Look at different pricing editions below and see what edition and features meet your budget and needs.

Pricing information for Human Interest is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations to purchase Human Interest must be conducted with the seller.

All prices are exclusive of applicable taxes and are subject to a $499 startup fee. See our Terms of Service (www.humaninterest.com/terms-of-service) for additional details. Refer to humaninterest.com/payrolls for a list of integrated payroll providers. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.

Pricing information was last updated on February 02, 2026

Human Interest Pricing FAQs

Generated using AI

Human Interest's pricing is best suited for small businesses, which represent the overwhelming majority of G2 reviewers. The Essentials tier at $80.00 appeals to startups and micro-businesses seeking affordable, low-maintenance 401(k) administration with payroll integration. Nonprofits are also a frequently mentioned segment, with G2 reviewers praising Human Interest's cost structure as accessible for organizations with tight budgets. The Complete tier suits small to mid-sized businesses wanting to reduce fiduciary liability without hiring a dedicated HR team. The Concierge tier at $280.00 is best for growing companies or mid-market employers, particularly those in industries like healthcare, construction, and professional services, who value hands-on account management and plan design guidance.

Human Interest does not offer a free version, but G2 reviewers frequently mention promotional periods, including fee waivers through payroll partners like Gusto and Rippling, that temporarily reduce costs to zero. Human Interest's three paid tiers differ meaningfully in fiduciary coverage and support depth. The Essentials tier at $80.00 covers payroll integration and automated administration. The Complete tier at $180.00 adds 3(16) fiduciary services, ERISA bond procurement, and Form 5500 filing. The Concierge tier at $280.00 further includes a dedicated relationship manager and ongoing plan design consultation. G2 reviewers who upgraded to higher tiers most often cite compliance relief and dedicated account support as the primary motivators.

Human Interest is broadly considered good value, particularly for small businesses. G2 reviewers frequently highlight that Human Interest's pricing is significantly lower than legacy providers like ADP, Paychex, and John Hancock, with multiple reviewers reporting cost savings of 50% or more after switching. The Essentials tier at $80.00 per month draws consistent praise for affordability. However, some G2 users note that the per-eligible-employee fee model can feel expensive for very small teams with only one to three participants, and a handful of reviewers flagged unexpected fee increases after promotional periods ended. Overall, the high average rating of 4.5 out of 5 reflects strong value satisfaction across most user segments.

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Human Interest Pricing Reviews

(2)

Alyssa S.

Director of HR

Mid-Market (51-1000 emp.)

2/25/2026

"Seamless 401(k) Management with Empowering Employee Control"

5/5

What do you like best about Human Interest?

I really like Human Interest because it's so easy for employees to make changes themselves without having to go through HR. Being the HR director in a small company where it's just me, it's great that they can do it on their own. It's also rewarding and incentivizing for them to sign up for a 401(k), knowing they can adjust their contributions if they need to. They just go on there and make the changes themselves, which gives them a sense of control. I think that's really important. Review collected by and hosted on G2.com.

What do you dislike about Human Interest?

I think right now, I don't really have any complaints. I, interestingly enough, have two profiles set up in our Rippling account. And so sometimes it tells me that I'm actually not eligible to put money into my 401k, but it's just a misread. Review collected by and hosted on G2.com.

What problems is Human Interest solving and how is that benefiting you?

I use Human Interest to execute our 401(k) plans. It's all online, integrates with Rippling, and simplifies the process compared to our old paper-based system, boosting enrollment. Employees can easily make changes without HR, giving them control, and making the process rewarding and engaging. Review collected by and hosted on G2.com.

Morgan B.

Co-owner

Small-Business (50 or fewer emp.)

8/19/2025

"Headache"

0/5

What do you like best about Human Interest?

It was great in the beginning and unfortunately their was an error made on their end that they owned up to their mistake however it cost my company over $1,000 extra, there was indeed out of pocket cost because funds were withdrawn automatically from our account. Thank you for your patience on this! You’ve got the right idea. During a recent review, we identified that some employee contributions weren't processed as they should have been. Because this was an error on our end, we’ve applied a Correction Credit to resolve it.

What this means for you:

No out-of-pocket cost: We’ve already moved the necessary funds into the affected employee accounts to make them whole. Since Human Interest covered the cost of this correction, there isn't a refund due to the company; instead, we used those funds to fix the discrepancy directly.

We handle the paperwork: When contributions are delayed, the IRS requires a specific filing called Form 5330. This is simply a report used to document the correction. Our team is taking care of the preparation for you.

Next steps: When the filing deadline approaches, we will send the completed form to you for a quick review and signature. You don’t need to take any action until then.

You can find a full breakdown of the specific amounts and employees affected in the Error Correction Reports section of your Document Library on the admin dashboard. We’ve also included summaries there that you can share with your team members if they have questions about their accounts. Review collected by and hosted on G2.com.

What do you dislike about Human Interest?

I had a few minor hiccups during setup because I was both an owner and an employee, and they needed to merge my two accounts. It took a few weeks to get everything sorted out, but once it was resolved, it worked smoothly. After that, a few additional issues came up and were only resolved after multiple calls and emails with three different departments. Review collected by and hosted on G2.com.