The 401(k) of the future, built for you

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You deserve better than an outdated retirement plan

Human Interest (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1j3prCCW7Y8-PT6lZ3nnW8Wc9HC4zcpNwW6bmg-06k_SXjVSQZXk93t0hkVzmps-1PkQHFW8ZSHPF5RhyryW7VQ41_3J5qYJW85Dk6M8hQwxpW3Q4WB410dyYzW6vDPk11Ynf7gW8wWZZq41s5-qW8fswkh5tqWqhW1Td9y85rN6WpW3FTlN-8tSR5PW7hRGd25JCC30W3FdKNL1F2-zWW4qTCpP6nxJmtW46pF911qyy_MW8NtCWz95dS38W41rLC_22Y0JrW5r5bBQ8fjPFrVmf9yF5KM8Z2W66W2sH7JgKF3VjfYBm2CWmMsW1ckrB74c068gN4ckh_KjNLCRV4wBMh29fJDvf9kMYWM04 )

A 401(k) built for businesses of any size

Browse plan options
(https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1j3prCCW7Y8-PT6lZ3mcW3Xzzdr3NNcPDW4MVLTg800NZrT9TpP5PkvMPW74vQ-73hl6KdW3005Jl1f_mVkW2yWJ934KDMcnW3kRXXm4tF_slW2v5wy61TWZBgW8CdpR-9fnYs4W4-vCCQ6Wnw0KV_LQ6C4yC3pDW50hHJG7s75BnW1vsQhH1h2wJrW1rY8j627Cdd_N4Pjr_qt9Ny9W1TwS4m3GsNSCN7_gpmR7y1Z7W8NL00n7MyFlqW4mRXD62R80cjW6Sxq7l1bcspjW8DmP2y6YRMGkW4tlfHg45v3DHW8rPm7X7_nkfvW3hdW_-1RYbN-W55t0y32wDfvKN2yVdXwz5R7vf25sk-n04 )

You need a retirement plan built for the way your business actually runs today—not how corporations ran decades ago.

As a provider redefining the industry, Human Interest has stripped away the outdated barriers that once held businesses back.

It’s why more than 1 in 3 first-time 401(k) plans in America start with us, more than any other provider.1

Here’s how we’re changing retirement plans for businesses from 1 to 1,000+ employees:

Simple, predictable pricing

Enjoy flat monthly fees to run your plan, with $0 added employer fees for plan amendments, profit-sharing, or annual Form 5500 preparation.2

Automated payroll syncing

Avoid manual file uploads and potential errors. Your employee records and contributions sync automatically when you connect your payroll.3

Covered compliance

We take on the administrative burden. We sign and file your annual IRS Form 5500, deliver required employee notices, and continuously monitor your plan.4

Dedicated customer service

You get a named Account Manager who knows your plan, backed by guaranteed service standards.5

Get started today with the retirement plan built for employers

Set up my plan in minutes
(https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1j3prCCW7Y8-PT6lZ3mcW3Xzzdr3NNcPDW4MVLTg800NZrT9TpP5PkvMPW74vQ-73hl6KdW3005Jl1f_mVkW2yWJ934KDMcnW3kRXXm4tF_slW2v5wy61TWZBgW8CdpR-9fnYs4W4-vCCQ6Wnw0KV_LQ6C4yC3pDW50hHJG7s75BnW1vsQhH1h2wJrW1rY8j627Cdd_N4Pjr_qt9Ny9W1TwS4m3GsNSCN7_gpmR7y1Z7W8NL00n7MyFlqW4mRXD62R80cjW6Sxq7l1bcspjW8DmP2y6YRMGkW4tlfHg45v3DHW8rPm7X7_nkfvW3hdW_-1RYbN-W55t0y32wDfvKN2yVdXwz5R7vf25sk-n04 )

Talk to Sales (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx103cscvW7lCdLW6lZ3lLW2lVYMZ8PdB-JW44QXX28S1P3dW1Z_Zxh2v-nkyW3Nqr0M62TQ3gVt_9m53t0vTXW64bvFv3_K6vKW5g3XDT7MHz_lW7FW0Vv2YqL86W3jy1HF38zSTCW7R4Vd76RBXB9W8CkwcC52J807N5GFkCvkrjx4W4r-1C-3PG-nBW4JGmBk7CfF0yW919kjy5zZCZ3W5DvwLp2YtFSnVVX6tc5jJGjRW4qLwjs6dZjWcW1vpS-61WnL2tW8xW6657XL6WbW8bN69x19ZHl1W6tGBK636HbNWW3WcpbB6jylByW5t6VXD1mfwVVf2ZnR0004 )
Disclosures (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx103cscvW7lCdLW6lZ3pLW94Gp5V5N1mVyW8nXyY-5kY9lVW6hP2K66QGmcXW1t9mgv4wBCSPVLBtDx8k8zQjW5pJ54b5V62SBW6MjxWW1RhCDyW8lhPQc2XR2PtW2m9h5q9h829bW4x5Mlh8pkgDkW6X99b_8Bs9QYW2MlLm-4x1jFCW2svfjr9jc9YzVJ3Qwl4PsY8JThLCs39TLctW6G42L_1S8GxZW2Q0yxh7Dq7FqW32v82l8y4mBjW3zpP5B2-hnw8W8FCKyS31f3l2W4lrQxM673h9BW7XCcFc7n8yRqW88Q2zg18r_TmW9dyy1l9j9tQlf2LLXPM04 )
Pricing (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx103cscvW7lCdLW6lZ3mxW4l9CCL5HWdqzW7-CCD61NwBVQW8XVcz-5FYB5mN8S-mF0mwKQqW7tQCBv7l6mJrW5B8kd057zVCJW7PFhTr1PZ_4-W5m1Ljk5kDZBLW22McvH43dG21W7YzyVR16y31MW4RSNhp5L8mn-W4MMM2R197n4lW8WDqhD19PN20W5PBSrk8x6H2SW55HWt28838cwW2CDJbb3hTtDhW5ZvrlB13nM1TW77Tw4v7mM305W63h8Nw8lmnfMW1YcbpC26Hn87W6fmY_L5885t8W459TQQ3-trZPW6NMYMW77dJcyW8zX4-y8VVcmFdVGvYn04 )
New 401(k) Standard (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx103cscvW7lCdLW6lZ3nKW8DBJcm5SYBw-W2sXyvj3DQ_yLW2r92Ct5r9xspVYm2_k5vgsksW7zn_mV18CzWMN31VvVkYHbC_W4_MRY41j9hP5W8LWNHZ6lMfCKW9gJQtr38p84DW7GMq4l8yrfnzW2RhzfH8Hj_-2MRjmrpQj-BqW1pB1cL46cVhHW5b8HRp4y2wbvW7MHw1p999KRNVpW2mN6FRd6jW7KSY-Y4QNB2ZW1RHfmT1WsgztVTbtDZ6f-Qv8W3x6RFy1dGZfHW1ns5746Dpx0wVB3ZWs4qYTpsW8SV7ZT8bM1vFW3rBGnL45r2GMf7pmyPs04 )

LinkedIn (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3m2W4T9yG64zHvsBW8c7ZVW7_DdttW69rjLR5g-jkLW2lHb4-1rnR09W5pQMCm7NqDDgW5FywH15ZlxDpVt4pVx5g-wP1W56PcTq77m9sNW4Ym_m-2_tKwxN6h_3D61F_vwW41dQLT4s0DLbW3BGpqf2LV4-_W1TkTj06cjVM_W4GlyVQ2QW920W6sCVPJ9f9HKpW5B5hYM3rtXMWW3BmfKp868jdvW4BFfsZ15RNgFN4N2L5TFzfJJW9505Zf8clNxWW1hdH094FydrnN9hFTjTvnD3WW5gZcLW2sT1L_N3Y8lbYQs1V7W20D4fv8Pb3jqW155KqX4zYZSNW6yQPB71cWYl4V44dhb3BG3pwW6HgmgG9k3ql1W4GJJjh12XYfPf4NSF2404 )

Facebook (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3lMW2RpzhV10_HM-W5cnCCx4w2jZpW4RVFQQ4Tq6X4W5qTxfJ4qFqPwW8RBJ2x1Wt0L-W8TnNXR56_ZDHW7rMDH65PTqwBW5bV7Pr9k9LNHW6tKtQZ2LckDjW3JmdB35jfG8KW1M-RYr8Gg7nWW4nDnlx88scK_VmS1Ly4dPRwDMb7V162WcxlW4n4byc7N-2GMW6Y8MLt1_Q1CqW3jf5Mv5VGpZfV3mDDL2_sGTLN4LZt5YK-xzFW1hH9Dg6np3d-N6pGRf1YbNVyVs_V8l83-4RHMhXst4NR_QMW4-8q9T1gg2HrW7lp12Q49LQ6XW3cFgB15GzKFxW1srLPy1kFskrV4CX315K3GrvW3SyrcJ4W85WhW7JqBNB56_Bsbf1qxCgR04 )

X (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1C3prCCW8wLKSR6lZ3lJN3fhsM4C4ZpyW5xgpXJ8Tr90GW288g_G4FRypfW5KWGpZ8QxWxwVQQq7T7jkwpTW7l0Jy86XxHswW6jQmXH74BbR4N2fCMc4TRCdBW403jqN9fFwKRW7Z6N481-0f_lW73_Yd98QZPY_W2QVt4m2bg6PkN8P8hHvPgw8tW7y_BZf2h6GSsW5Hk5HJ2G8WLXW63p0FS88KqvhW2FY48S65cPXYW5NMkq55-Y1BdW7h5D-t8gDH2WW4vw_r28qMmnbW4qX0SQ6rHmpjW2x2Jls8KcFz_VpCJJp1lCBrdW4L_NRT30-LJkW3YMGKf7yxPmnW5B045Q7KYt3xW23FDy65bqWL4W6DcfY19b0Q-kf62hQ6M04 )

1Calculation is based on Human Interest’s internal analysis of self-reported, publicly available data from PLANSPONSOR (12/31/25), NAPA (6/30/25), DOL Form 5500 filings (1/9/26), and customer count data published on provider websites (12/18/25). This data may be incomplete, represents a point-in-time estimate, and is subject to change.

2A 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 (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3lqW4vs6vB64xnSlN29lzNz6w5t0W2Y5SgV2MXL_FW5jhcQB6Nvw47N8dx4LzQ3Z64W9j2yqr76g4F9N1Q3dTxyK-QkW5vKb5D7vSTZfN7W54sXKRr1XW1JSK3D7LZGWgN9hxf9_XsYD5W1dJNXM2qNg0yN7-wshHjhnGGW7LZSH02Lk7BbW7GFkwT7Bz3YDW2PxPyB1Fp8VCW3Dg5Ft8Y8vZsW1Z_VW-35FkktW7P9h0P7H6szjW3ybV0l1Dy0cwVwDBJd3HV4HgW2ZcnPl3vzW1fVz6-p97VGyBGW4vl2tG32JbwSW80yLg-7Cc8bdVgQ7X-5NZ0FvW5wv51s6LbCpMW3M-Kvz1jVMx5W162Yhk8SdZZ_N1Ly_zkCtr17f5tWbbd04 ) and HIA Terms of Service (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3q5W8vR6zV5flJsHW4sSSQV7r_0h9W1VC0Cs8Sk_-DV2k3K_4dRYqrW5dR1jf7JkssjW2DdBmc8bww00W6Jr0CV7HHVtJW12L9rs8n_f1rW8ysDXp1MTB6VW55Y66k1DcyZdW3jnD0_6_h-NCW3P9BWc6lG2JDW8GXjcG7zYwLDW6NMy1S6h3XcCW3nGMnM4J-5lRW4YC30P22nrnlVPGsq24P3v1kW8rKHxD1wVCQPW8LgfMP51Pxm0V9NM2-2ZC2D5W5N4GmP5lzfLgW94ztk537wskmW8Q5lJb2Yd9LXW6lsyhH90Kk6-W1VdFJM6x6RjcW6rdHxC1F32psW2vftHr7bVbwVW2j7m9Y7vJQRvW1D_3JQ2VBRcGW4ytJrT4gM5dpdQF-Cj04 ) . 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.

3Refer to humaninterest.com/payrolls (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3l8VGN8sG3H7gdkW78rgtM2JB32xN5t0YHBQqm67W92zGsG1Gdqq5W6zghD_7kQrXKVN3HsB4cQ2N-W67QGhC3CH4KyW5yNtmT69LJvhMl5Gtx1F76DW7GvVTd7ZpNm6W3vt0gs7zwWmXW7ZVJhV2xCXWBW81X2DN3lLcvQW9cmvp_3Xbd19W6bMnJf6Z9yxyW4h23t36ZjRgxW17LPKL7rZcCqW3Ymr7_7KbgtYW71Yjrf4qHJx8W3DKYcy4tMJ-4W8LRqDB8lQqjbW7_sT2d9hkx9wW5x090X3mT_T0W4GQ0Jj5jXWsmW8gLXjg2Szhq6W93jSjN8TBvJFW8Lf9C_7w6fpKW2LZKDd8T6YQbW6sfvz-6ct44vW2NDJXW6PYZ1vf3DjC3T04 ) for a list of integrated payroll providers. Automated synchronization is subject to the capabilities and data structures of individual payroll systems.

4Dedicated Account Managers are assigned based on plan tier or specific service level agreements. For full details on service tier structures, please see our service descriptions at humaninterest.com (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1C3prCCW8wLKSR6lZ3p1W5LjV9h1VfPYdW5-RyHW7SJ8jwW4kT6Gz6yBSjfW2JT1rh3QYt4CW5z172Y8sLsdzW1rjBZl4CshfQW7tm6gR7LR-sxW96_nqK2Qwg-3W1PJ7G44ZsCT-W3B-pP76M7LnQW4x5cVR1ByX8QVZQMJp97WlqPW3WhRVh6YRT8bW5QlTqB6tmdMMW3kVZHt1slBWHW4RvDkF9c-TjfW34dHP38BPBVRW4y7CGn15tWdSW4bNBWZ13fdkcW2TKC1N7BVR9NW5gkk8n7NGrzsW225GsH2FGFbLW3T_w853RvPS9W3h_x3J5rvkRYVNsLsQ4WvMJ_W1DD9Zq2mnNvGVJGSfw8d4qRXW3Ykk7D6gytXZf55Nh-H04 ) .

5See terms and conditions (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx065m_5PW5BWr2F6lZ3p4W1vcw397B-P56N38WSChQj9B7TLQj34NFcdPW4Sl7jY1Xp3J3W8DMFff2dMLkpW2kz5Wn7MjypKW940CPt5l-nNwW8bnLRL3rbvMTW565hCX1pY7XqW21sqSl7jNhPzVLpVH475tWpFW24JZpM7-YDNYW1JxMMk6hGpzrW5LtFp33LWmhqW5fvNG195TrC1W4Gy4bT1z9dBVW2NnJ9v2RkxwdW7dZ0fh8Ch3j6W5J97P35wDf7kN3Yg8cDL-wyqW3N_Nhv7s-62KW2MjybQ770cn4W9bNd6-7Bz_0RW8FxjNt4_5Y8FW8VQX5q1ThLSlW8r8nnC44D0q6W3tCpNX5Zt5gkW53vZJ85jVHrLVNHGZw390Sw4W7ZkF9h1LQjnzW12WjC41cCmSlW6P49l22gFv3mW2bG08s1SZpYdW4sVWlp6lgrBTf4w-QDT04 ) .

Human Interest (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx0K3cscvW6N1vHY6lZ3kWW6M4WWX8T8DgxW7Dpq584l0FTtW6tXb8W3dCxb8N5155bjqq3QQW7Tpv_x2Q4TtHVxwFtd7zQ3_KW1lP-N156Yv1LW971Cts299gLPVRzR7l16zCptW4CMhsp7c4_2zW2hHq3Z8rS-jnN1slSQprvSjxVtKQ0S43LR98W5mjj9Y6hHt5LN5MFVH_RFc39W3k1GbX26KSW9W91DLMN88VwNDW400j7S5q4SmlW99xRgk4Jjbk-W6VzVHl1zGsn_N4nZN1xxc2TTW8wgJPC8twn26f1xMSMx04 ) 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/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1C3prCCW8wLKSR6lZ3p1W5LjV9h1VfPYdW5-RyHW7SJ8jwW4kT6Gz6yBSjfW2JT1rh3QYt4CW5z172Y8sLsdzW1rjBZl4CshfQW7tm6gR7LR-sxW96_nqK2Qwg-3W1PJ7G44ZsCT-W3B-pP76M7LnQW4x5cVR1ByX8QVZQMJp97WlqPW3WhRVh6YRT8bW5QlTqB6tmdMMW3kVZHt1slBWHW4RvDkF9c-TjfW34dHP38BPBVRW4y7CGn15tWdSW4bNBWZ13fdkcW2TKC1N7BVR9NW5gkk8n7NGrzsW225GsH2FGFbLW3T_w853RvPS9W3h_x3J5rvkRYVNsLsQ4WvMJ_W1DD9Zq2mnNvGVJGSfw8d4qRXW3Ykk7D6gytXZf55Nh-H04 ) . 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/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3kRW4qjCsM8Dsh4sW89skJm1WqSYYW2YqJjS3sRZFnW3ZSpZf9lSz-5W3gg1yj79tyMBW7NmP_j1lpLK7W3b7GhP30209xW1_vGFJ14j2Q7W5h0H_P7pNBXxW4dJRxy6VZLS1W6XrGdh4CWSLfW8rdsZ05CpF2pW6dVsjd7Jv35TW6ktDVX99NsnhW82mCpM1y50KyW99J_zy1bQwyJW7LX3bT8_QRQYW6GR7j22Tb0frW81Bxd-6Q7cWDN1sH0Kth3nssW5ct6DN4TnfbrW7gnpkf8kHFGwW7yTCtT9gGqdvN5RzVtBvxDQcMDMX28YqcKsV809zl2C6VpGN9l1V-cdYCvsVSSVXk1SMhVmW48nxMN5bNrTtN5SwTrtLbJ4zf2FGFSl04 (https://go.humaninterest.com/e3t/Ctc/RK+113/d2Fqh404/VVp0Gd10BTxHW44tcb13_9B63VGwS3m5WpJJVN7zrx1W3prCCW95jsWP6lZ3kRW4qjCsM8Dsh4sW89skJm1WqSYYW2YqJjS3sRZFnW3ZSpZf9lSz-5W3gg1yj79tyMBW7NmP_j1lpLK7W3b7GhP30209xW1_vGFJ14j2Q7W5h0H_P7pNBXxW4dJRxy6VZLS1W6XrGdh4CWSLfW8rdsZ05CpF2pW6dVsjd7Jv35TW6ktDVX99NsnhW82mCpM1y50KyW99J_zy1bQwyJW7LX3bT8_QRQYW6GR7j22Tb0frW81Bxd-6Q7cWDN1sH0Kth3nssW5ct6DN4TnfbrW7gnpkf8kHFGwW7yTCtT9gGqdvN5RzVtBvxDQcMDMX28YqcKsV809zl2C6VpGN9l1V-cdYCvsVSSVXk1SMhVmW48nxMN5bNrTtN5SwTrtLbJ4zf2FGFSl04 ) .

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.

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21 October 2026 · 17:00 UTC