Prepare now for potential state retirement laws

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Your state’s mandate could be closer than you think

Human Interest (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86yM3prCCW7Y8-PT6lZ3m6W4XTFpt3tcJhhW2RGd1P4_9hM7W6bBkZF3qng3MVfxb5J58_WjtVHjNcJ2wRqzvW1Qvybr6fhNwnW3PzJ_44fvfq1W67yHrz3f3YXMW8ZkScv999RJ1W2tr_D612Q6snW8rgwc42mtmt6V4Www09bs8DTW3_JJ8t6NH4gTN5GyDJkd4dtyW52wjDR3twSK-W5FjlCw7_6sLhVVJMsd7Jph15W5RVdPs7zKkKhVwrMLW25VbHrW7gd3Zg1rMV5DW6LGhwt4tCvMBW2sgZSq8dbYWGVLDjWQ64KT7pW65r_Nv7ZKWxNW1VcVMv6BVfjHW5G-3Dk7PqtXdf1PMg3K04 )

Get ahead of upcoming state retirement laws

Start my 401(k)
(https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86zl3prCCW95jsWP6lZ3kKW3RNbBh892mmKW7mYHsN4WVnfZW4g2W6p4j7QXwW4FWRZP1nPqp8V7kNlB6zlh2HW1SczkW7KxVC_W2NKZsG4jT1hwW8ZlBgv89yG0sW8tsgvF4H2S4GW5wdBM-7kNk1pW2HqS7m7_fRcZW442hdq8pgZppW3bKm9d75SjkxN1z-kPZj4gvzW4yWNH34K6lWqVCdBHd4nsr85W5wrfT51p1ChPW4ZtxYV2Gw0shN6rvJgYrFmncN3w-5gSq2DFKW5JWLBc1KgXZZW6KD4n-23RC_gW8VrH3y9dCPFSVZsVl88LxpFCW8gc0Y-40g3tBW3hvtgp2SwYMDV8J3S22RxD5fW2YJx3F62Z7xTW4gm5QT7QqNd5Vf5Kr03lq91Hf92Myn-04 )

Over 45 states are introducing retirement mandates (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86z23prCCW8wLKSR6lZ3lHW2bjQzt2qx4K0W5pf2vf4zkd9mW3k8z4T5VGqBjV2vJJb6_f2WrW3HhTvG3VTf4NW3_B_yJ4p7ctbW5R30lj5XD2RQN27WftNYB1DKW1_lyCV6yjQxjW82SZxV84RlCpW4l9hCF3jbjcQW6G2tfQ78RfR2W1RTvV972Mn3JW4QKs_K6WC4cZW4PBxsx54DsjVW5MBzBZ3pp1k5W54M3mw1KGtxMW83Prkr438cztW5dvvgj5D49gDW2Rc48B2XN4jQW4XN7L375WzmRW1LRQ3J3KYpxfN8cx7rc71m1TW3NyLYM88NFg6W2VyhRW4qlZNyW6YD3zM4pnBd3W3lGNZP8kz2Z6W3nt4hP5wtd-9ddCyPj04 ) . These laws require businesses to either enroll their team in a state-run program or provide their own private option.

Instead of waiting for a government deadline, employers are starting their own 401(k) plans now to offer benefits on their own terms.

By launching a private 401(k) with Human Interest, you can easily opt out of restrictive state-run programs:

Simple, predictable pricing

Plans start at just $80/month to fit your budget.1 Enjoy $0 transaction fees for you and your employees.2

No compliance surprises

$0 added cost for annual compliance. Our team steps in to manage mid-year testing, IRS filings, employee notices, and more.

A plan you're proud of

Build a custom plan that's built specifically for employers, rather than letting the government choose one for you.

Satisfy your state’s mandate by starting your own plan today—it only takes a few minutes!

Set up my plan
(https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86z23prCCW8wLKSR6lZ3lBW3Vxsnk2R9cbxVZTH6r7stBTpW6_dDr72VCZc8W4Dhl4084G85nW2CTFqS495S31W8gc2CT5dfJ7yN4MsGVJJS1LxVFf6J47gd_SfW5T6FKh7BXJS6W29w9bN2w7blsW8Lz4Dy40t9GMW22zQ2h5FRfrBW1ZSh2q18vgGVW9cdhTG8k9QVGVhtw9M63vXs9N2P8ZCy-RYDJW7tMCvZ8qf0p6W4DZm1J7nYBHvW2Fczg298FNdVW6T63Y231TMM9W7TkXNK5VmjW_W7Lcy--52g4ypW6Ss-4s1l61KHW47SZYt739FJ5W4D0dfg7vGLxSW4w0JsL4z19clW6J89G55wP2vJW8HD1wp6HyG55f6l0CKx04 )

Talk to Sales (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86ys3cscvW7lCdLW6lZ3kSW1C7-0891CB79W4YJ_6d5w_08YVZsVd57yZT8rW6qT-G94s3vPyW3ff7bY1vbHS7W5jfGcZ3h0RB3W67QCZN5zpK1KW11q16R2X176lVhsKgC494gqKW80kqgJ3t1lk-W7G5T061gqLjQN3zGnqBhffFmW2dbgps8Gn0tkW8Q51rl3wXgpYV8rqRx1W5Q1XW6Y3y7D3_gWVnW7lJTM_6gh2vRW2z52QF6VjZw4W79YP6G71c2FcN7NmKSsf1rqwW3j6gqm7fw4_CW8LCgbc95Lf3pW8qsJn21d5ph8W4S0lrc1gQJM-f5fqpDq04 )
Disclosures (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86ys3cscvW7lCdLW6lZ3mSW4tRnNS328fLJW44rkTL6GbvXbW8l6S-C9fDXr_VfByzR2HryY5W9bn4B02XGg2mW2LBwWL5HvBZdW71Ly8459XLJwW8kk5YT50VFFXW37dZCd2J6zJlW2Z6Y5J41S7y8W6YV71s5Vpv4CW4WgmC_44xkmsW1Y67PT6LdFpmW8b776S2VsRGDW5hv6jC7911VSW104DrB1_KsGGW6Vfxdt73qRyQW5SVY2865C_mWW2zl86n4SnvGLW7tY6F67MwSKTW2mKPgS736b3YN6-RSfLqCm8XW27N1Wt3WbBzVW5n_vNz8ZCXLqf1GLNC404 )
Pricing (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86ys3cscvW7lCdLW6lZ3pqW3pWt1R2QtXglW2TMQH310h82-W32XGk11bGwYyW212Wzt1sPg-xW6vJNGW2rcpzKN7nmNlNnf6c5W1c1ZnM4vZ9hTW6p7yMK8WNGxKW3mnKbw1qL2_JW1bKP4S3_4mXTW2J08HV7tm9z-W1WHPsY7Mj8FQW5Kc44l8jscMRN4pZGgvJl6FxW70VGMT3RDClCVh1q0n505y7qW3sk32g3213zrW7cY-Qg7G0MVCVKCf7438wnsTW2jsxn51yMzy6W1-4QxS7ZCS0qW6fzVns6xZJ8JW6gNY4y3X0CZ1W22s69Z2BMGxPf2NdLFM04 )
New 401(k) Standard (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86ys3cscvW7lCdLW6lZ3lzN1DP3SY857ZcW5g_yVy5sV_jjW4vbXhj5Xm1ZnW4RzWp43VV7SkVTkL3H8-gfBkN35KZYMVpL_BW2LGjdT6rHKQlW78CDbn6sFMM0VHWzqG4_xmRYW7CwbPt8P6c7MW4RRvQZ5DJPjQW600y3q8XZfm5W5vnf1M3cNRNpW6FHklD49d5KFW8L9NR93LfZRRW1jZSTg84vNYLW8-XccJ2SHKsBW4vn7TJ5Vdq_BW29Nz2F1KvrcjW2tDTXk51Z2dPW1bgh-v8Xj-fbW5HNxm_736YhHW7MQ_7K7ZwPQbW7cg6Xn3Wb76Hf44qgqn04 )

LinkedIn (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86zl3prCCW95jsWP6lZ3kTW3mx9n87xGtY0VZvpw64CcHphW5D0jRr4xpfv4W6nHq2V1Vn2FGW5JC0x41RkfDqW3zvLsH36hhxrW5xxXw94VRBqKW1tMj8K7JbjFZW761P7h5DDFfDN2N6k8S7x5GsW9l9K4F1XW31ZW1yNVzJ2Dz4NvW1rRCg54jMShzVJjdgR6Q3TfXW3QVMxL6lc9jQVDkB_w50xKgbW5dlLcv2PF7y3W7T_n3N27m3F7W7jbnbd64fmtDV1H-9G7s8lsTW1ZGGZb8YJ_CsVh4Vf_5Txl94N2qsHgV56tTXW5tb5yK80KS6qW8XMtz_84XFGhW6Qn63v7pDvWfW8ZhBTB5dc92-V7Gh-z6G3RmCW7Tcg-L6PxKrVW3xTTGN6kppyDf4JmrXq04 )

Facebook (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86zl3prCCW95jsWP6lZ3p0W3j9Y6t2HF0w-VgnNgz6rx3HCW4bkPB43GycVWVHMPHM8p2NLNVkKq1r2p-X-WW1VkVLT8djR5MW2FBgSK5DwJzFW2sf82W6sCrn0VrhMxX7sDHjwW5FMSy-6K0TjvW2yCmRj3N07NcW8zHWrS2qb_3TMt_B1p7L6NxVysbd86PZjchW8ypzVv5zW1QNW2rhq_h83q6WlVgNSRf5NpzCyW4qrdJx6_C4wXW1_9bTw2WMWMkW5Zk77H4nt0jkW8mKMx62zffvBW3wHwT64FyhmBMWk9k3hglkXW1lB3B378bG92W3jvyKW5SHQTvW6q-Jtt7Pr1xlW6kTCld9dn8kHVPf9jD7b2bRLW91xjY37ZpYL2W1Qr5Mz76z6LVf1dqrJ604 )

X (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86z23prCCW8wLKSR6lZ3kCW52vDv05ltTrgW4S8Q4r1VNjdTW3RGDcL5k4_5lW2q3s-t2MS8HhN6zqF_n3d8qfW3YHlyc7LKSR-VTpMlY40tStZW4fLQ154FKBMVW58d6Fq4PwhhHW3XF5Cp1qJ4kwW9kYd8f4MNg2yW85zT4957V4ymW81VZCZ5zgG3NW455mHJ2WrWs0W8pblWF4FLwPqW2yY7Pp2K2ZMrN48HNnhVZ1LNW1xF23K2bSzzXW2D0Zkz17JhsHW1C7PRf5rkGj2W4y7Qck1zc9hhN3ZB1mQjGDGdW140Yx_56N6KTW96tfhj13RTzSW3_Vw4Z8XcK42W1VgWsJ8Dc2HQW7dzvbH8LgLKYW94hmWq3wSVX8f1xn5Dq04 )

1A one-time setup fee of $499 may apply. A monthly investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets when HIA acts as a 3(38) fiduciary, or 0.018% when acting as a 3(21) fiduciary. A separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. 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 sponsor will pay such advisor as agreed between the plan sponsor and advisor. An automatic rollover feature is available as an optional add-on to all plans for +$10/mo. With this feature, terminated employees with low balances are automatically rolled into an IRA.

2Zero transaction fees for employers and employees applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.

Human Interest (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86y83cscvW6N1vHY6lZ3kVW16TMlH44dvr4W46Y-C08-Cdw_VG0j2R663Tj_W3LBS3K4tM9qWW8wwdJV6YSdpmW9fBkv28rWtMnW3nky2R197vGlW4qqvn75HDvQwW1llpVh4S91nrVsZsks208c5HW2P7Xlq5PFsjQN43DvpJ-lz77V-j2gn36BPKfV7_Mby73HHRZW94rs6T9jLMyWW7-Zwxm143WN-W6JRzMJ66W4mpW6cLrDv1GVrk5W71r9H618KPWNW7F6LVT8sMwmSW87K9d261VW1tVVJSjH12jNrrf5vtP3z04 ) is an affordable, full-service 401(k) and 403(b) provider that seeks to make it easy for small and medium-sized businesses to assist their employees with investing for retirement. For more information, please visit humaninterest.com (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86z23prCCW8wLKSR6lZ3lpW28Lf8W7xlHL7V5nX7J5WQtQ2W4sY1q-3rF9pPVW3-zv5dmKrlW5YKZsz24KLtWW4DrkJH34Nb2zN53xZ0XST723W468XHZ4l-5xnN4KGDNDbYv83W7kh-Rf93KRFPW34kr7T6xwhcdW5TM1bb4Q3M7SW7wR0Jx1KJ0HBW6CYb6W6K8xM_W6L7P0n2cBWD9N5yn46sJQW6zW2q8sWm43JWvDW3RZbQz4QqD9MW6t7vQl97gLWLW6_YRQV4SQHwkW7_Rt6j5gkwkcW3nTKxP3pygGKW6wfwF_4D-97zW1VmsT47DgYrkV6BHyr8GYSxpW4BgMVB1fnS2KW57jlJn1Wc6XwW4NDY5j4nw85jf3HR_wv04 ) . Investment Advisory services are provided through Human Interest Advisors LLC, a Registered Investment Adviser and subsidiary of Human Interest Inc. For more information on our investment advisory services, visit https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86zl3prCCW95jsWP6lZ3pGN4FzBn1R286SN2036NWyC1MCW3wNc6C80Y2TKW5-5DwT5_T6s3W6VjRfG87cFQcN7PYGJMXPSVbW3NdgvD5B_J1-W7yHVXF7r02pgW8r9DJV5DDN11W6H4YnH8cWyNhW7s3pwK6C81b0N52wrBWWm_spW4SRcPG7P45hYVG33L01nlxFXW4l-qrT2zPm43W8zGln02zPrWfN85_Nnp9FHr0VwFb-V4Pbk4vW46fdVD87gZYHW182Xps8sn6rpN4nz5lrJYGb2W2L43Vf4pKdyVW6_bMWw6Byd1sW8tVMnp2lPBHzW5LkKdY4jy6JgW1HvXt47LddKrW3zlbkt8CQbmyW27kQgn4v6BwHW3m184F4Wh3d5W3_jZrg42QdJSds3lbn04 (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VWyDjk4BhvhJW1LY03N8lK8RKW2v98dD5XgLWfN2x86zl3prCCW95jsWP6lZ3pGN4FzBn1R286SN2036NWyC1MCW3wNc6C80Y2TKW5-5DwT5_T6s3W6VjRfG87cFQcN7PYGJMXPSVbW3NdgvD5B_J1-W7yHVXF7r02pgW8r9DJV5DDN11W6H4YnH8cWyNhW7s3pwK6C81b0N52wrBWWm_spW4SRcPG7P45hYVG33L01nlxFXW4l-qrT2zPm43W8zGln02zPrWfN85_Nnp9FHr0VwFb-V4Pbk4vW46fdVD87gZYHW182Xps8sn6rpN4nz5lrJYGb2W2L43Vf4pKdyVW6_bMWw6Byd1sW8tVMnp2lPBHzW5LkKdY4jy6JgW1HvXt47LddKrW3zlbkt8CQbmyW27kQgn4v6BwHW3m184F4Wh3d5W3_jZrg42QdJSds3lbn04 ) .

This content has been prepared for informational purposes only, and should not be construed as tax, legal or individualized investment advice. Neither Human Interest Inc. nor Human Interest Advisors LLC provides tax or legal advice. Consult an appropriate professional regarding your situation. The views expressed are subject to change. In the event third-party data and/or statistics are used, they have been obtained from sources believed to be reliable; however, we cannot guarantee their accuracy or completeness. Investing involves risk, including risk of loss. Past performance does not guarantee future results.

Human Interest, 655 Montgomery Street, Suite 1800, San Francisco, CA 94111

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12 November 2026 · 16:00 UTC