Human Interest is a retirement provider managing 7 retirement retirement accounts. These tax-advantaged accounts transfer by beneficiary designation—not by will—making it critical to keep designations current and aligned with broader estate planning goals.

Beneficiary designations at Human Interest can be managed online and by phone, typically taking 5-10 minutes online. Trust funding is also available, allowing families to name a trust as the beneficiary of retirement accounts.

Human Interest has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.

Preparing your estate

Beneficiaries and trust funding

How to manage beneficiaries online, and review 7 account types at Human Interest.

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When someone dies

Death claim process

4-step process, 6 required documents, and contact information for survivors.

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Frequently asked questions

Log in to the Human Interest participant portal at app.humaninterest.com and navigate to the beneficiary designation section. You can add or update primary and contingent beneficiaries, set allocation percentages, and submit changes online. You may also call (855) 622-7824 for assistance. If you are married, spousal consent is required when naming a non-spouse as your primary beneficiary.

No. Employer-sponsored retirement accounts such as 401(k), 403(b), and profit sharing plans cannot be retitled into a revocable living trust during the participant's lifetime. IRAs also cannot be retitled to a trust. The standard approach for estate planning purposes is to name your trust as the account beneficiary.

Human Interest primarily serves small and medium-sized businesses, with nearly 50,000 companies and approaching 2 million employees nationwide. They offer 401(k), Safe Harbor 401(k), 403(b), Solo 401(k), profit sharing, and IRA plans. Their platform integrates with over 500 payroll providers and includes in-house recordkeeping, compliance testing, and IRS paperwork handling.

Human Interest offers three pricing tiers: Essentials ($80/month base + $5/eligible employee), Complete ($180/month base + $7/eligible employee), and Concierge ($280/month base + $9/eligible employee). All tiers include zero transaction fees, payroll integration, and the (k)ickstart program. A one-time $499 setup fee may apply. Additional asset-based fees include 0.01% investment advisory fee and 0.05% recordkeeping/custody fee on plan assets. The IRA product is $8/month billed annually plus a 0.06% asset-based fee billed monthly. Employers may qualify for tax credits up to $16,500 for starting a new 401(k) plan with auto-enroll.

Yes. Under ERISA, married participants in 401(k) and 403(b) plans must obtain spousal consent to name a non-spouse as the primary beneficiary. This requirement applies to Human Interest 401(k), Safe Harbor 401(k), and 403(b) plans. Spousal consent documentation can be completed through the participant portal or with the assistance of Human Interest support.

For 2026, the employee deferral limit is $24,500. Employer contributions can be up to 25% of net self-employment income. The combined limit is $72,000 ($80,000 if age 50+ with the $8,000 catch-up). Individuals aged 60-63 can make a super catch-up contribution of $11,250, for a total of up to $83,500. An annual Form 5500-EZ filing is required once plan assets reach $250,000.

Yes. As of January 2026, Human Interest offers a Price Match Guarantee, an industry-first commitment to match the total cost of any verified offer from a competing retirement plan provider. Contact the Human Interest sales team at (877) 475-0179 for details.