Human Interest

Active

The 401(k) for small and medium-sized businesses.

Summer 2015Founded 2015765 peopleSan Francisco, CA, USA; Remote

humaninterest.com ↗LinkedIn ↗X ↗GitHub ↗Crunchbase ↗See on the Idea Map B2B momentum

About

Human Interest is on a mission to ensure that people in all lines of work have access to retirement benefits. Nearly half of all working Americans are not saving enough for their future. Too often it’s because they are employed by a company that doesn’t offer a retirement plan. Human Interest is changing that by making it affordable and accessible for small and medium-sized businesses to offer employees a path to financial independence through retirement savings. We’re a high-growth tech company changing the retirement industry. We’ve raised $500M and are backed by leading investors. Most recently, by funding from BlackRock as well as many other top investors: TPG (The Rise Fund) with SoftBank led our Series D, Glynn Capital, NewView Capital, USVP, Wing, Uncork, and others.

From their website

as of Jun 7, 2026humaninterest.com ↗

SaaSSubscription · Essential plan: $80/month base fee + $5/eligible employee; Complete plan: $180/month base fee + $7/eligible employee; discounts or tax credits for starting a new plan with auto-enroll are advertised (up to $16,500).

Human Interest is a full-service, affordable 401(k) provider targeting small and medium-sized businesses. It offers end-to-end administration, payroll integrations, and a variety of plan options with a focus on ease of use and customer service.

The product administers 401(k) (and 403(b)) plans for employers, handling payroll sync, contributions processing, and all compliance testing and IRS paperwork. It provides onboarding and investment education for employees, a dashboard for plan oversight, and customizable plan designs (auto-enroll, safe harbor, profit-sharing) with options for Traditional and Roth accounts. Plans include features like the (k)ickstart 3% cashback for eligible employee contributions, integration with 500+ payroll providers, zero transaction fees for employers, and investment fiduciary services through Human Interest Advisors.

Who it’s for: Small and medium-sized businesses seeking a turnkey, affordable retirement plan solution for employees

Features

end-to-end 401(k) administration
payroll integrations with 500+ providers
auto-enroll, safe harbor, and profit-sharing plan design
3% cashback on employee contributions for eligible participants (k)ickstart
zero transaction fees for employers
employee onboarding and investment education
dashboard with participation and contribution reports

Pricing page details with multiple plan tiers; mentions of thousands of businesses served and ongoing emphasis on customer experience; 2025 metrics cited in notes