401(k) and defined contribution retirement plan administration
Strategic Profile
Human Interest has built end-to-end technology to solve administrative and compliance headaches for small and medium-sized businesses, leveling the playing field on retirement by making employer and employee retirement savings more intuitive, more affordable, and more inclusive. The company has eliminated all 401(k) transaction fees and achieved 2x the average industry participation rate through ease-of-use design.
Cyborg Score Rationale
Human Interest operates in a large, fragmented retirement services market with clear competitive advantages in technology, pricing, and customer experience for SMBs. The company demonstrates strong market traction, high participation rates, and integrations with 500+ payroll providers. As a private company, growth trajectory and financial metrics are not publicly disclosed, limiting full visibility.
Top Insights
Human Interest integrates with more than 500 payroll providers, enabling seamless employer-employee workflows and reducing adoption friction for SMBs
The company charges competitive fees of 0.56% annually (0.5% annual fee, 0.01% advisory fee, 0.05% recordkeeping fee), on par with other providers reviewed
Human Interest helps customers leverage SECURE Act 2.0 tax credits, with eligible small businesses (under 50 employees) receiving up to $5,000 annually in credits for three years
The San Francisco-based company is disrupting a model that favored big businesses by lowering costs for employers offering Traditional or Roth 401k plans through robust technology and human-centered design
Vanguard Retirement Plans — Major retirement and investment services provider
Guidepoint — Digital 401(k) platform for SMBs
Betterment for Work — Automated investment platform with workplace retirement offerings
Paychex Retirement Services — HR and payroll provider with integrated 401(k) services
Recent Developments
(December 2025) Customer support and platform enhancements continue with multi-tier service offerings (Essentials, Complete, Concierge)
(May 2025) Data point: Human Interest served customers with 500+ payroll provider integrations as of recent reporting
(As of December 2025) Investment advisory services through Human Interest Advisors provide low-cost Model Portfolio options with weighted average monthly expense ratios as low as 0.005-0.006% for 403(b) plans
Open the full interactive Human Interest Inc report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.