Charles Schwab Retirement Plan Services vs Human Interest

CSCharles Schwab Retirement Plan Services9.1Visit Human Interest8.8Visit

Higher score CS Charles Schwab Retirement Plan Services #2 in 401(k) Software 9.1/10 Pricing on request ✓ 3 of 3 features Visit Charles Schwab

vs

Human Interest #3 in 401(k) Software 8.8/10 Paid ✓ 0 of 3 features Visit Human Interest

• Charles Schwab Retirement Plan Services fits best

  Mid-market and enterprise employers

• Human Interest fits best

  Small businesses needing payroll connectivity

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Side by side

Feature	CSCharles Schwab Retirement Plan Services 9.1/10 Visit ↗	Human Interest 8.8/10 Visit ↗
At a glance
Editor score	9.1	8.8
Ranking	#2 in 401(k) Software	#3 in 401(k) Software
Best for	Mid-market and enterprise employers	Small businesses needing payroll connectivity
Pricing model	Paid	Paid
Starting price	Pricing on request	$80/mo
Free plan	—	—
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Support	Phone, Docs	Phone, Docs
Built for	Mid-market, Enterprise	Small business, Mid-market
Features Charles Schwab Retirement Plan Services 3/3 · Human Interest 0/3
Employee enrollment	✓ (best)	Not checked yet
Compliance support	✓ (best)	Not checked yet
Participant mobile app	✓ (best)	Not checked yet
Specs
Plan types	401(k); defined contribution; ESOP; profit-sharing; money purchase; defined benefit; nonqualified deferred compensation	401(k), 403(b) retirement plans
Payroll integrations	Not checked yet	Not checked yet
Investment options	Mixed	Not checked yet
Our review
Pros	Combines recordkeeping, plan administration, and plan design consulting Includes payroll feeds, one-click submissions, and more than 40 plan metrics Offers participant education, managed accounts, and Schwab Mobile access	600+ payroll integrations for employee data and contributions Automatic enrollment with customizable setup options Complete and Concierge add filing, fiduciary, loan and distribution support
Cons	Workplace 401(k) pricing is customized and requires contacting Schwab No free plan is offered The former Workplace Mobile app has been retired in favor of Schwab Mobile	Monthly base fee plus a per-eligible-employee charge Advanced compliance services require Complete or Concierge Focused on retirement plans rather than broader benefits administration
Our verdict	Employers looking for a workplace 401(k) service get recordkeeping, plan administration, investment-option selection, and consulting on plan design. Charles Schwab Retirement Plan Services also supports defined contribution plans, ESOPs,… Read the review →	Human Interest provides employer 401(k) and 403(b) retirement plans, combining recordkeeping, plan administration and payroll contribution processing. It is aimed at small and mid-market businesses that want workplace retirement benefits… Read the review →

Strengths and trade-offs

• Charles Schwab Retirement Plan Services — where it wins

  • Combines recordkeeping, plan administration, and plan design consulting
  • Includes payroll feeds, one-click submissions, and more than 40 plan metrics
  • Offers participant education, managed accounts, and Schwab Mobile access

  Where it doesn't

  • Workplace 401(k) pricing is customized and requires contacting Schwab
  • No free plan is offered
  • The former Workplace Mobile app has been retired in favor of Schwab Mobile

• Human Interest — where it wins

  • 600+ payroll integrations for employee data and contributions
  • Automatic enrollment with customizable setup options
  • Complete and Concierge add filing, fiduciary, loan and distribution support

  Where it doesn't

  • Monthly base fee plus a per-eligible-employee charge
  • Advanced compliance services require Complete or Concierge
  • Focused on retirement plans rather than broader benefits administration

• CSCharles Schwab Retirement Plan Services9.1/10 · Pricing on request

  A broad 401(k) service for employers seeking administration, compliance support, and participant tools.

  Visit Charles SchwabFull verdict →
• Human Interest8.8/10 · Paid

  Payroll-connected retirement plan administration with tiered compliance support.

  Visit Human InterestFull verdict →