1 - Human Interest data as of 7/1/22

Notes 2-9 come from an online survey of 2,000 US adults was commissioned by Human Interest and conducted by market research company OnePoll, in accordance with the Market Research Society’s code of conduct. Data was collected between March 14-15, 2022. All participants are paid an amount depending on the length and complexity of the survey. This survey was overseen and edited by the OnePoll research team, who are members of the MRS and have corporate membership to ESOMAR and AAPOR. The data point reflects all 2,000 individuals unless otherwise specified. 

2 - Top 2 box (strongly/somewhat agree) . #1 was health insurance: 35%; #2 was retirement benefit: 34%

3 - Among people who have ever invested. 26% of people who have ever invested first did so through a 401(k) or 403(b), the #1 response.

4 - Top 2 box (strongly/somewhat agree)

5 - Top 2 box (strongly/somewhat agree)

6 - Only 8% of respondents agree “I think I will definitely retire at that age.” Pandemic stress and caregiving were the top two reasons why not

7 - Among people who say they won’t ever be able to afford to retire 

8Top 2 box (strongly/somewhat agree)

9 - Compared to other key life decisions, like career, health, and social relationships. Among people who second-guess any of their life decisions.

10 - Reflects all Human Interest plans to date, showing the percent that are not conversion plans, as of 6/1/22

11 - Human Interest data as of 6/1/22 compared to those reported by Vanguard, How America Saves, 2021

12 - Human Interest data as of 6/1/22 compared to those reported by Vanguard, How America Saves, 2021

13 - Percent of eligible employees in Human Interest plans who have access to an employer contribution, as of 6/1/22.

14 - Percent of eligible employees in Human Interest plans who are auto-enrolled, as of 6/1/22.

15 - Percent of eligible employees in Human Interest plans who have immediate eligibile for employee contributions, as of 6/1/22.

About Human Interest

Human Interest is an affordable, full-service 401(k) provider that makes it easy for small and medium-sized businesses to help their employees save for retirement. Founded in 2015 and headquartered in San Francisco, Human Interest helps employees in all lines of work access retirement benefits and a path to financial independence. For more information please visit or follow us on LinkedIn.

Retirement and investment advisory services are only provided to clients who have signed appropriate documents to enter into an agreement with Human Interest. Unless indicated otherwise, this content has been prepared for general informational purposes only, is not intended to provide, and should not be relied upon for tax, legal, or accounting advice, and should not be considered an offer of investment advisory services with regard to securities nor an individualized recommendation or personalized investment advice. Plan Sponsors and participants should take independent steps to validate the tax, legal, and accounting considerations of any service, and should obtain direct tax, legal, and accounting advice before engaging in any transaction.

Investment Advisory services are offered by Human Interest Advisors, a subsidiary of Human Interest Inc. Human Interest Advisors is a registered investment advisor with the Securities and Exchange Commission ("SEC"). SEC registration does not imply a certain level of skill or training. Investing involves risk and may result in loss. Past performance is not a guarantee or indicative of future returns, and expected returns may not reflect actual future performance. The value of investments will fluctuate, and investors may earn or lose money. Investment strategies may not be suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment decision.  Additional information can be found in the company’Form ADV Part 2A.

Creating a more secure financial future for everyone.

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© 2022 Human Interest Inc.
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Until now, legacy 401(k) providers have controlled the retirement industry. These old-fashioned companies have prices that can make a retirement plan unattainable for almost half of the workforce -- those at America’s 32.5 million small businesses.

Human Interest is here to shake things up. Our modern 401(k) solution comes with less complexity and no transaction fees. We’re empowering employees of small and midsize businesses to invest in their future.

Shedding new light on the retirement industry

Our customers are closing the gap

401(k) benefits can help employers give their workers a path to access financial security. Our proprietary technology helps do the heavy lifting, seamlessly integrating with 200+ payroll providers. 

Together, we’re partnering to close the retirement savings gap and help employees who otherwise could be at risk of not saving enough to take steps toward a more secure financial future.

Who we are

Founded in 2015, Human Interest is a hyper-growth company on a mission to ensure that people in all lines of work have access to retirement benefits. We work with:




companies coast to coast1

employees covered by our plans1

payrolls, and more partners who we love1

Headlines are only half the story.

Data published by legacy 401(k) providers may paint a rosy picture of retirement savings in the US, but those numbers don't always include employees at smaller businesses who haven't had access to a saving plan at work. Employers and employees at small and midsize businesses have said they want 401(k)s in their benefits packages, and Human Interest is listening. Our Retirement Roadbloacks survey sheds light on the state of retirement planning on Main Street America. 

Top benefit

A 401(k) is the most-wanted benefit, after health insurance.2

A 401(k) is the primary way that people first become investors.3

Investing gateway

73% of workers wish their employer gave better 401(k) guidance.4

Guidance is key

Read More ResearchExplore Customer Stories

of customers are offering a  plan for the first time10

of plans have employee   participation above one of the largest legacy providers11

of plans have employee savings rates above one of the largest legacy providers12

A 401(k) for the modern world

Removing the complexity from launching and administering 401(k)s can help employers help their workers pursue financial security. Our proprietary technology does the heavy lifting, including by seamlessly integrating with 200+ payroll providers. Human Interest helps employees take steps toward a more secure financial future.

of employees are automatically enrolled into their company plan14

 of employees have access to an employer match13

of employees have immediate eligibility, so they can  start saving on day one15

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