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Paid plans start at $80/mo.
Human Interest starts at $80 per month for Essentials, plus $5 per eligible employee each month. Complete starts at $180 plus $7 per eligible employee, and Concierge is $280 plus $9 per eligible employee. The headline subscription is only part of the bill: a $499 setup fee may apply, and plan-asset fees include 0.05% for recordkeeping and custody, plus an advisory fee if selected. The pricing page lists monthly rates, but no annual rates or discounts.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Essentials | — | $80 | Employers needing core 401(k) administration |
| Complete | — | $180 | Employers wanting compliance support |
| Concierge | — | $280 | Employers wanting managed plan support |
Add-ons and overages
- One-time setup fee of $499 may apply
- Monthly advisory fee: 0.01% of plan assets as a 3(38) fiduciary or 0.018% as a 3(21) fiduciary
- Separate recordkeeping and custody-related fees: 0.05% of plan assets
02What the plan grid doesn't tell you
Per-employee charges
Add $5, $7, or $9 monthly per eligible employee on Essentials, Complete, or Concierge, respectively.
Possible setup fee
A one-time $499 setup fee may apply; the pricing details do not specify when it applies.
Recordkeeping and custody
Separate recordkeeping and custody-related fees are 0.05% of plan assets.
Advisory fee
The monthly advisory fee is 0.01% of plan assets as a 3(38) fiduciary or 0.018% as a 3(21) fiduciary.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Employers needing core administration | Essentials | Includes 600+ payroll integrations, $0 employer transaction fees, cash back, and U.S.-based support. |
| Employers needing compliance support | Complete | Adds 3(16) fiduciary services, a signed and filed IRS Form 5500, and an ERISA fidelity bond. |
| Employers wanting managed support | Concierge | Adds a named account manager, DOL audit defense up to $50,000, and Audit Relief for plans with more than 100 participants. |
04Is Human Interest worth the money?
Human Interest is worth considering if you want payroll integrations, plan administration, and support in one 401(k) service. Essentials includes 600+ payroll integrations and $0 employer transaction fees; higher tiers add fiduciary, compliance, or managed support. But the per-employee charge and asset-based fees mean the advertised base is not a reliable total-cost estimate without your eligible headcount and plan assets. Compare the all-in fees, not just the $80 starting price.
Human Interest pricing FAQ
How much does Human Interest cost per month?
Essentials is $80 per month plus $5 per eligible employee per month. Complete is $180 plus $7 per eligible employee, and Concierge is $280 plus $9 per eligible employee. The pricing page lists monthly prices; it does not publish annual rates or discounts.
What extra fees can increase the total?
A one-time $499 setup fee may apply. Human Interest also lists separate recordkeeping and custody-related fees of 0.05% of plan assets, plus a monthly advisory fee of 0.01% for 3(38) fiduciary service or 0.018% for 3(21) fiduciary service.
Does Human Interest offer a free plan or trial?
The pricing information lists no free plan. It does not publish a free-trial offer or trial terms, so confirm trial availability directly with Human Interest before budgeting around one.
What changes between Essentials, Complete, and Concierge?
Essentials covers core administration and includes payroll integrations and $0 employer transaction fees. Complete adds 3(16) fiduciary services, IRS Form 5500 filing, and an ERISA fidelity bond. Concierge adds a named account manager, DOL audit defense up to $50,000, and Audit Relief for plans with more than 100 participants.