Human Interest headquartered in San Francisco offers their cloud-based 401k administation platform for employers featuring flexible plan design and a dedicated account manager.
$1,205
per month
Rippling
Score 8.9 out of 10
N/A
Rippling’s platform for HR, IT, payroll, and spend management automates the entire employee lifecycle, ensures compliance, supports device management, and provides real-time financial visibility from a central dashboard.
$8
starting price per user, per month
Pricing
Human Interest
Rippling
Editions & Modules
Essentials
$120 + $5 per eligible employee
per month
Complete
$160 + $7 per eligible employee
per month
Concierge
$200 + $9 per eligible employee
per month
Recommended
$8.00
starting price per user, per month
Offerings
Pricing Offerings
Human Interest
Rippling
Free Trial
No
No
Free/Freemium Version
No
No
Premium Consulting/Integration Services
No
No
Entry-level Setup Fee
$499 one-time fee
No setup fee
Additional Details
Human Interest offers three products, for a choice of 401(k) or 403(b) that fits an organization's needs. All plans offer an all-in-one, no touch 401(k) to make it easy for employers to run and for employees to save. All plans have a setup fee of $499.
*Human Interest's average employee expense is 0.57%, compared to a 1.64% average for small 401(k) plans. Source: 401(k) Averages Book, 18th Edition.
For additional pricing details visit the Rippling pricing page.
Paychex Flex was a terrible experience from start to finish. Bad communication, no follow-through, incorrect setups, etc... HI has been the opposite of all those things so far.
I don't know what competes with Human Interest; as an employer, this is my first interaction with a 401(k) platform. As an employee, this lacks a lot of the functionality I'm used to seeing in other platforms.
Previously we utilized John Hancock which was a nightmare from the user standpoint and a huge time waster from the administrative standpoint. The very outdated platform made it incredibly difficult to manage. The one thing I miss from John Hancock is the enrollment and …
We were using American Funds Group, but it was convoluted and difficult to understand. Human Interest calculates the numbers for us and it is so much easier.
It's not even close. Paychex Flex is expensive, confusing, and the customer service is abominable. Human Interest is better across every front, at least so far.
We just found the cost to participate in the mass marketed investing options were beyond the administrative and financial capacity of our small business.
The cost for the service was better and we felt more understood as a company and felt that Human Interest took the time to explain the 401k program and options
Insperity was horrible. Expensive, hidden fees at every corner, not communicative. They messed up my plan and didn't include the requested Safe Harbor provision and I had to pay the piper for their mistake.
Nothing Insperity did was customer first, fiduciary, or even compliant.
We went with Human interest due to its simplicity for our small business that will take few years to grow. We needed guidance and simplicity for us to understand what will be required from us as employers to help our employees have benefits. As our company grows we know that …
I have only dealt with one other retirement investment company in my career, however I find that Human Interest is very transparent and supportive of small business owners. The low cost of using their services was attractive to me and made the most sense for my company. I …
Rippling offers more complex features allowing employees to really take control on how they use Rippling. It also has a really simple and clean user interface that is great to use especially for those that do not have strong computer skills. This drives strong employee …
Rippling is the perfect balance between a PEO and a standalone payroll system. They have all the functions, features and support that a company needs, but allows the user (company) the flexibility to utilize the system with control. Other systems were missing this feature, …
Rippling stands out over others with its faster deployment, modern interface, and all-in-one automation for HR, IT, and payroll—making it ideal for fast-growing companies
As I am a fresher. I started using both recently. Both are completely different. But we use Jira for assigning tickets and comments etc. In Rippling we do other things. I like the interface of Jira than Rippling. We can't measure in most scenarios which is better like that. I …
Rippling is far superior than those other products. That's why we chose Rippling. The level of integration of multiple functions are limited to most but not for Rippling. This application/platform has proved it's worth with it's efficiency and they truly deliver their purpose. …
We moved away from ADP WorkforceNow for Rippling, and it's been the best decision the company has made. I have saved hundreds of manual hours annually with this change.
Good for the all-in-one activity for tracking. All roles and implementations is good. Rippling enables businesses to manage both people and their access to apps, devices, and systems from one place, streamlining operations and improving security. End-to-end workflows across …
Significant more features and a much better mobile application. Rippling's mobile application is a serious win! Our employees love the ability of submitting human resources related tasks through their phone at any time. In addition, Rippling has a significant larger pool of …
Rippling has a better user experience, is more easy to use and more comprehensive. This is more related to feelings but with Employee Navigator I felf my data was not being protected because the platform looked very old and outdated. With Rippling the feeling is the opposite …
Cost effectiveness is one key that helped us to improvise the company. And all features in a single application URL is best for end users. it may be of different modules but for end users as one is a plus. where onboarding and managing users are tough when company grows year by …
This application was horrible. Always had issues and the customer service was always so bad because they took forever to respond to any issue. Payroll was always an issue when we needed to have anything changed or corrected.
Dayforce has the option for submitting time cards. Then employees and employers need a separate app for many other functions. Which Rippling as stated previously the app allows you to just use Rippling and have all bases covered .
Although I did not choose Rippling, I’m glad my company did! It’s the best platform I’ve used by far. It exceeds Workday's capabilities and is easier to use in terms of its user interface. I’d pick Rippling 10 times out of 10 over any HR platform I’ve used before, especially …
Rippling is SO MUCH easier than GoCo. I worked for GoCo in the past and worked in technical support. And I saw so many issues every day with how the app worked. I was shocked to onboard with Rippling and have ZERO ISSUES. It was so easy! Highly recommend.
Easier to navigate and operate. Interface is more clean and modern. Paycom is full of options and menus everywhere, which makes it harder to operate. Also app integration with Rippling is so much easier.
We would love to transfer from our Power Automate Platform for salary increase approvals into Rippling. I think Rippling is better as it does not an expiration date for any approval flows like Power Automate does (30 days). It's also a great platform to consolidate everything …
Rippling provides the information in a clearer and more compact form. Unlike its competitor, it does not require the candidate to be aware of updates in the hiring process. Rippling delivers updates in real time, which allows the candidate to be aware of what is happening, thus …
Actually you guys serve a lot of variety of clients that we have. So everything from simple clients on your 316 and then you got your 338 platforms to some more of the complex clients that want to carve out their own funds. You guys integrate well with financial advisors if they wish to use that, but a lot of times it's, those aren't necessary if clients want to save money.
I highly recommend Rippling for any company, regardless of its size. Many well-known companies trust it, and if you go onto their LinkedIn page, you will likely find that many of your friends and colleagues are already familiar with them. Along with a highly flexible and easy-to-use UI, many other companies use it, making it feel like a small world. Any company that needs software for expense management and payroll and wants consistency should consider using Rippling.
I did not expect Live Chat Support and Email Support when we moved to Rippling. Their Support team is quick and very knowledgeable. I have had multiple instances where we have gone back and forth on a situation to come to the correct conclusion, never feeling they were trying to just close the case unsolved.
Being able to manage employees from application to separation is huge. Having a built in ATS that we can hire candidates from directly, and immediately have their payroll, benefits and employee profile setup has saved me countless hours for each hire.
Rippling allows us to manage retirement plans across the US, Canada and UK with automation and file feeds. Before Rippling I manually managed these in multiple portals, now Rippling does it for me automatically.
Payroll cycles in small business can be a weekly on-cycle evolution which is not automatically recognized.
The Annual Census verification, and IRS requirement, is cumbersome as a resubmission of data already known.
Email to new participants can go unaddressed without notification to the company administrator. Better to illicit early follow-up than wait till their emails expire do to participant non-action.
It is hard to think of ways that Rippling could improve. The one area that we did have a bit of a slowdown was in the onboarding process. It was not intuitive and we expect to have some learning curve so if I could say anything needs improvement it would be this area.
Rippling continues to innovate and amaze me with their new innovations and features. Product feedback is taken seriously so I always give it whenever I can and end up seeing results. Rippling is the new wave of HRIS that cannot compare against others in the industry just due to the fact they are super user friendly!
It's really easy to get, well, first of all, they get enrolled automatically so they get added to the platform automatically. They get removed from the platform automatically and everything is really easy to understand for someone who doesn't have a lot of experience. And that's actually a lot of our employees have never had a retirement benefit before. They don't know anything about it. They really don't understand how it works. There's also a little bit of a fear factor with deducting money from their paycheck to be able to contribute to this. And so how easy it is for them to get it set up and then the information that Human Interest gives them about what the benefit is, how it works, all that, it's great
Rippling is a great product that has streamlined our payroll and leave management processes. The interface is intuitive, and it’s very convenient to manage everything in one place. While the initial setup was a bit lengthy and the mobile experience can sometimes be a little slow, overall, it’s been a reliable and effective solution for our needs.
I like that the availability in using Rippling at any given time is useful to me. Getting on the site freely when I need gives me security of knowing that I can be in control of viewing health insurance and hours information. I have yet to get any errors in using the Rippling app.
Rippling's performance has been great, no errors or glitches yet so far. I am confident that Going from one page to the next and all its complexity usage does not lag or times out, it works effectively and efficiently. While using Rippling and other apps it does not tend to slow it down, works great. No complaints.
So we had a designated rep and he was fantastic. I don't remember his name at the moment, but he was almost immediately responsive. And you guys also partnered with us for client knowledge webinars and he was great. Great at that too.
When I did have to reach out to Rippling for assistance I was able to get quick help and my problem resolved in a time efficient manner with out any type of hick up. The customer support team is professional, kind and always available. This makes Rippling more welcoming to use on a daily basis.
A key insight from our implementation of Human Interest is that early coordination across finance, HR, and leadership is critical. The platform itself is straightforward, but ensuring payroll integration, compliance documentation, and employee education are aligned from the start makes the rollout smoother and increases adoption. Another insight is that employees respond best when given clear, simple communication about how to enroll and the benefits of participation—this minimizes confusion and builds trust in the program. Finally, dedicating time up front to review compliance and reporting features helps avoid issues later and gives leadership confidence in the plan’s long-term stability.
It's really easy to implement in comparison to other tools or applications. Different key points are easily configured and implemented as per need, having different configurations in systems. Implementation is something which binds the different parameters of an organization in a single row. Implementation of rippling is much easier, quicker, and error free than any other software. I recommend it strongly!
So we had previously been with Empower, which is another 401k. They're substantially larger. Their web platform is very bulky. Their compliance was hard to get information from. We really liked when we talked with Human Interest Implementation Team that we could get pretty much right to the top. I mean, if we wanted to talk to their COO, we could do that and that all of their compliance stuff just seems to be tied in as the compliance director. That's really important to me.
We switched from Gusto to Rippling and I wish we would've done it years ago. Rippling is so much more robust than Gusto and has made the lives of our HR team and each of our employees so much easier! I'd recommend Rippling over Gusto to every organization without any hesitation
I can go on here and see all my hours and pto plus health benefits. I like to have the work handbook handy to refer to legal things. How to work my role within it's limits. Being able to put in my hours and view when they are approved is a huge benefit for me.
I think it's a little bit hard for me to say since I have been more of a recommender of these products in my roles. I've been at a lot of early stage companies that we're looking for solutions and I've recommended human interest because I think it's easy for scaling organizations to get in place. I think in a large organization, what I would talk to is very specifically the user experience. I think 401k understanding and most large organizations is a very for, it's something that's forgotten. And what that means is basically we kind of give it to folks, but we don't actually teach them or help them leverage it. And so they're very on their own. I think human interest is so easy to use that you provide a better experience from day one there, let alone from actually really setting it up correctly.
Routine things like PTO requests and document uploads now take a few clicks instead of hours of email back‑and‑forth. I’d estimate I spend at least half the time on those tasks compared to before, which frees me up to actually help employees.
What used to drag on for days now gets done in a morning - I've just asked them this now. New hires can log in, set up their tools, and start training almost immediately, so they’re productive much sooner.
Payroll and benefits errors used to pop up regularly, but now I almost never have to fix things or follow up on missing info. That means less stress for me and for everyone involved.
Having everything in one platform cuts out the “where did you send that?” and “who approves this?” questions. It feels like we’ve reduced our back‑and‑forth by at least a third.
