Human Interest

What is Human Interest?

Human Interest believes employers deserve retirement benefits that run themselves, limit unnecessary liability and have low, transparent fees. Their platform delivers on these commitments, allowing millions of employees to access retirement benefits for the first time. Human Interest has set the new standard for the 401(k) by eliminating transaction fees, offering participant cash-back incentives, and providing a customer experience guarantee. Founded in 2015 and headquartered in San Francisco, Human Interest serves nearly 50,000 companies.

What are the benefits of using Human Interest?

With Human Interest, you’ll receive:

Easy Administration: Spend minutes per month, not hours, through a 360 API integration with isolved, hands-off fiduciary management with 3(16) services, automated loan and distribution approvals and guided tax credit optimization of up to $16,500.¹

Covered Compliance: Avoid extra costs and penalties with automated compliance testing, filing of your annual IRS Form 5500, full notice delivery protection, a complimentary ERISA fidelity bond and up to $50,000 in audit defense coverage.²,³

Dedicated Service: Count on reliable, expert support with a named Account Manager to guide you through 401(k) requirements, a U.S.-based team of trained retirement experts, and a backed Customer Experience Guarantee that compensates you if service standards aren't met.⁴

Delightful Experience: Offer a plan you're proud of with simple enrollment, 3% cash-back savings incentive, based on income, at no cost to you, and dedicated rollover support.⁵

Simple Pricing: Flat monthly fees to run your plan with $0 transaction fees for employers and employees, all backed by a Price Match Guarantee.⁶,⁷

Partner Connect®: Keep your trusted financial advisor with our streamlined open architecture platform, and flexible fiduciary coverage.

How does the app work?

Human Interest's API integration with isolved eliminates the time-consuming and manual work of managing your 401(k). With our integration, enrollment, contributions, and compliance are all streamlined or automated.

Integrate Human Interest with isolved to easily:

• Change 401(k) deductions in payroll

• Automatically send all deduction data to Human Interest after each payroll run

• Add relevant funds to employees' accounts automatically using Human Interest's one-click approval process

_{Human Interest Inc. 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.}

_{1 Tax Savings Maximizer covers the retirement plans startup costs tax credit. IRS.gov. 2026.}

_{2 3(16) Fiduciary Services and ERISA fidelity bond procurement are available for customers on our Complete and Concierge packages only.}

_{3 DOL Audit Defense is available for customers on our Concierge plan. Up to $50,000 in qualified expense coverage such as attorney or CPA fees. For more information on Human Interest's DOL Audit Defense read our terms and conditions.}

_{4 Human Interest’s Customer Experience Guarantee is available on all plans. See terms and conditions.}

_{5.3% cash back is available to eligible individuals making $60,000 or less in gross income and contributing at least 8% of every paycheck to an eligible Human Interest plan over a 12-month period. Must submit a claim form to claim the award. Minimum award is $100 and max is $250. Additional requirements apply. See terms and conditions. This program is administered and offered by Human Interest, and Human Interest’s asset-based fees will increase if you participate in this program. If Human Interest’s wholly owned subsidiary and registered investment adviser, Human Interest Advisors LLC (“HIA”), provides services to the Plan, HIA’s asset-based fees will also increase if you participate in this program.}

_{6. Zero transaction fees for employers and employees applies to all transaction types. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.}

_{7. Our Price Match Guarantee is available on all plans. See terms and conditions.}

If you are an employer currently using this app and have questions about the integration, please contact your isolved Customer Service Representative.

If you are an employer interested in learning more about this app, please use the Contact Us button above to be connected.