Human Interest alternatives
7 products compared · Updated November 4, 2026
The short answer
For small businesses seeking a low-cost, automated 401(k) with tax-saving features, Betterment for Business is a strong choice. If you already use Gusto for payroll, Guideline 401(k) offers direct integration. For startups wanting crypto options and built-in employee financial guidance, ForUsAll stands out.
Your shortlist, at a glance
Read the comparisons ↓
Guideline 401(k)Not publishedSmall businesses on Gusto payroll that want a 401(k) plan synced directly with their payroll system.
Betterment for BusinessNot publishedSmall to mid-sized businesses that want a low-cost, automated 401(k) with strong tax-saving features and are comfortable with a digital-first approach.Vanguard 401(k)Not publishedCompanies that want a low-cost 401(k) from a well-established investment firm and are comfortable managing more of the plan administration themselves.
Fidelity 401(k)Not publishedBusinesses that want a 401(k) from a well-known financial giant and may also need brokerage, IRA, HSA, or 529 accounts for their employees.
- EEmployee FiduciaryNot publishedSmall businesses and solopreneurs that want an affordable, transparent 401(k) with human support and no hidden fees.
- UUbiquity Retirement + SavingsSee websiteOther
ForUsAll0.20%–0.40% assetsStartups and small businesses that want a modern 401(k) with crypto options and employee financial guidance.
About Human Interest and its alternatives
Human Interest is a 401(k) provider for small and medium-sized businesses. It is known for easy administration, covered compliance, dedicated service, and simple pricing. The company integrates with 600+ payroll providers and offers flat monthly fees with three service levels: Essentials, Complete, and Concierge.
When comparing alternatives, weigh pricing structure (flat fees vs. asset-based), regions served, payroll integrations, customer support, and contract terms. Some providers, like Betterment and Vanguard, do not publish business pricing, so you may need to request quotes. Consider whether you need hands-on compliance support or are comfortable with a more self-serve approach.
Explore the alternatives
- Not published
1.Guideline 401(k)
Best for: Small businesses on Gusto payroll that want a 401(k) plan synced directly with their payroll system.
- Pricing
- Not published
- Category
- Finance & Accounting
Guideline 401(k) is a retirement plan provider that now operates under Gusto, offering integrated payroll and 401(k) management. It's a good choice for small businesses that already use Gusto for payroll and want a seamless, all-in-one solution without third-party integrations.
Where it is strong
- Seamless integration with Gusto payroll, eliminating third-party sync issues.
- Low-cost investment options with six guided portfolios and 40 Vanguard funds.
- Self-serve portal makes it easy to track contributions and stay compliant.
Where it falls short
- 3(16) plan administration services are only available to clients who use Gusto as their payroll provider.
- Pricing details are not transparently listed on the website.
- Pricing:
- Pricing is not published on the site. The fees and services disclosure is shared for informational purposes only.
- Not published
2.Betterment for Business
Best for: Small to mid-sized businesses that want a low-cost, automated 401(k) with strong tax-saving features and are comfortable with a digital-first approach.
- Pricing
- Not published
- Category
- Finance & Accounting
Betterment for Business offers automated 401(k) plans with a focus on low fees and tax-saving technology. Choose it if you want a provider that emphasizes automated investing and tax optimization over Human Interest's more hands-on compliance and fiduciary services.
Where it is strong
- Automated investing with tax-loss harvesting and portfolio rebalancing
- Low management fees for personal investing (0.25% annually or $5/month)
- Fiduciary responsibility as a registered investment adviser
Where it falls short
- Business 401(k) pricing is not transparently listed
- May lack the dedicated compliance and audit support that Human Interest offers
- Pricing:
- Pricing is not published on the site. Betterment's personal investing fees start at $5/month or 0.25% annually, but business 401(k) pricing is not detailed.
- Not published
3.Vanguard 401(k)
Best for: Companies that want a low-cost 401(k) from a well-established investment firm and are comfortable managing more of the plan administration themselves.
- Pricing
- Not published
- Category
- Finance & Accounting
Vanguard 401(k) is a retirement plan provider from one of the world's largest investment companies, offering low-cost investing and a broad range of mutual funds and ETFs. Choose it if you prioritize investment cost and brand reputation over the integrated payroll and compliance features that Human Interest emphasizes.
Where it is strong
- Low-cost index funds and ETFs
- Trusted, established investment company
- Broad range of investment options
Where it falls short
- Pricing not transparent on the site
- May lack the payroll integrations and compliance support that Human Interest offers
- Pricing:
- Pricing is not published on the site.
- Not published
4.Fidelity 401(k)
Best for: Businesses that want a 401(k) from a well-known financial giant and may also need brokerage, IRA, HSA, or 529 accounts for their employees.
- Pricing
- Not published
- Category
- Finance & Accounting
Fidelity 401(k) is a full-service retirement plan from a large, established financial firm, covering everything from brokerage accounts to HSAs and 529s. Choose it over Human Interest if you want a single provider for all your financial needs, not just a 401(k), and you're comfortable working with a traditional financial institution.
Where it is strong
- Backed by a major, established financial institution
- Offers a wide range of financial products beyond 401(k)s
- Provides access to dedicated advisors for wealth management
Where it falls short
- Pricing is not transparent on the website
- May lack the small-business-specific features and integrations that Human Interest offers
- Pricing:
- Pricing is not published on the site.
- ENot published
5.Employee Fiduciary
Best for: Small businesses and solopreneurs that want an affordable, transparent 401(k) with human support and no hidden fees.
- Pricing
- Not published
- Category
- Other
Employee Fiduciary is a low-cost, transparent 401(k) provider for small businesses, offering Safe Harbor, Traditional, Solo, and 403(b) plans. Choose it if you want straightforward pricing without revenue sharing or wrap fees, and prefer a dedicated relationship manager over a self-serve platform.
Where it is strong
- Low, transparent fees with no revenue sharing or wrap fees
- Dedicated relationship manager and US-based support
- Multiple plan types including Solo 401(k) and 403(b)
Where it falls short
- Pricing not disclosed without a quote
- No mention of payroll integrations or automated administration features
- Pricing:
- Pricing is not published on the site.
- USee website
6.Ubiquity Retirement + Savings
Other
Offers affordable, easy-to-manage 401(k) plans for small businesses with flexible features.
- 0.20%–0.40% assets
7.ForUsAll
Best for: Startups and small businesses that want a modern 401(k) with crypto options and employee financial guidance.
- Pricing
- 0.20%–0.40% assets
- Category
- Finance & Accounting
ForUsAll is a full-service 401(k) platform that adds crypto investment options and a financial advisor for employees. Choose it over Human Interest if you want more investment choice, including crypto, and a built-in advisor to help employees save more.
Where it is strong
- No setup fees
- Crypto investment options
- Financial advisor for employees included
Where it falls short
- Pricing details are not fully transparent on the site
- Advisory fee is higher than Human Interest's 0.01%–0.018%
- Pricing:
- Pricing is not fully published. The site mentions no setup fees and an advisory fee of 0.20%–0.40% of plan assets per year.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about Human Interest alternatives
What are the typical pricing models for 401(k) providers?
Pricing models vary. Human Interest uses a flat monthly fee plus a percentage of assets. ForUsAll charges an advisory fee of 0.20%–0.40% of plan assets per year. Other providers like Betterment, Vanguard, Fidelity, Guideline, and Employee Fiduciary do not publish business pricing on their sites, so you need to request a quote.
Which providers integrate with payroll systems?
Human Interest integrates with 600+ payroll providers. Guideline 401(k) integrates directly with Gusto payroll, but its 3(16) administration services are only available to Gusto users. Betterment, Vanguard, Fidelity, ForUsAll, and Employee Fiduciary do not mention payroll integrations on their sites.
Do any providers offer crypto investment options?
Yes, ForUsAll includes crypto investment options in its 401(k) platform. This is unique among the alternatives listed. Human Interest and the other providers do not mention crypto options.
Which providers offer dedicated human support?
Employee Fiduciary provides a dedicated relationship manager and US-based support. Human Interest offers a named account manager on its Concierge plan. ForUsAll includes a financial advisor for employees. Betterment, Vanguard, Fidelity, and Guideline do not specify dedicated support in their entries.
Are there any providers with transparent pricing?
Human Interest publishes its pricing structure with flat monthly fees and asset-based fees. ForUsAll mentions no setup fees and an advisory fee range. Other providers like Betterment, Vanguard, Fidelity, Guideline, and Employee Fiduciary do not publish business pricing on their sites, so you need to contact them for quotes.
Last updated November 4, 2026.