Human Interest vs Employee Fiduciary

Human Interest8.8Visit EFEmployee Fiduciary8.4Visit

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

vs

EF Employee Fiduciary #5 in 401(k) Software 8.4/10 Paid ✓ 1 of 3 features Visit site

• Human Interest fits best

  Small businesses needing payroll connectivity

• Employee Fiduciary fits best

  Solo owners and small employers needing compliance support

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Side by side

Feature	Human Interest 8.8/10 Visit ↗	EFEmployee Fiduciary 8.4/10 Visit ↗
At a glance
Editor score	8.8	8.4
Ranking	#3 in 401(k) Software	#5 in 401(k) Software
Best for	Small businesses needing payroll connectivity	Solo owners and small employers needing compliance support
Pricing model	Paid	Paid
Starting price	$80/mo	$500/yr
Free plan	—	—
Free trial	—	—
Deployment	Cloud, Mobile	Cloud
Platforms	Web, iOS, Android	Web
Support	Phone, Docs	Phone
Integrations	600+ integrations	20 integrations
Built for	Small business, Mid-market	Solo, Small business
Features Human Interest 0/3 · Employee Fiduciary 1/3
Employee enrollment	Not checked yet	Not checked yet
Compliance support	Not checked yet	✓ (best)
Participant mobile app	Not checked yet	Not checked yet
Specs
Plan types	401(k), 403(b) retirement plans	Traditional 401(k), Safe Harbor 401(k), Solo 401(k), 403(b)
Payroll integrations	Not checked yet	QuickBooks Online Payroll, Paylocity, Paychex Flex, ADP Workforce Now, Justworks, TriNet, Rippling, Paycor, Paycom, Sequoia One, UKG Ready, Accuchex, Ahola HR Solutions Payroll, AssetHR, Certipay, Checkwise, Coastal Payroll, ConnectPay, Counter Point HCM, Dayforce, Dominion Payroll, Flexchecks, GTM Payroll Services, Heartland, HR Butler, Hybrid, isolved, OnPay, Patriot, Pay-Net, Paymasterpro, PAYNW, Payroll Network, Inc., Payroll Solutions, Run Powered by ADP, Trivantus, Trustpoint, UKG Pro, Whirks, Workday
Investment options	Not checked yet	Mixed
Our review
Pros	600+ payroll integrations for employee data and contributions Automatic enrollment with customizable setup options Complete and Concierge add filing, fiduciary, loan and distribution support	Combines recordkeeping, third-party administration and compliance reporting Supports safe harbor, profit-sharing and Roth contributions, plus participant loans Connects with payroll services including ADP Workforce Now and Rippling
Cons	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	Standard 401(k) carries a $1,500 annual base fee Both annual plans also charge 0.08% of plan assets for custody Access is web-only
Our verdict	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 →	Employee Fiduciary provides retirement plan services for small businesses, self-employed professionals, nonprofits and advisors. Its options include traditional and safe harbor 401(k) plans, solo 401(k) plans and 403(b) plans. The service… Read the review →

Strengths and trade-offs

• 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

• Employee Fiduciary — where it wins

  • Combines recordkeeping, third-party administration and compliance reporting
  • Supports safe harbor, profit-sharing and Roth contributions, plus participant loans
  • Connects with payroll services including ADP Workforce Now and Rippling

  Where it doesn't

  • Standard 401(k) carries a $1,500 annual base fee
  • Both annual plans also charge 0.08% of plan assets for custody
  • Access is web-only

• Human Interest8.8/10 · Paid

  Payroll-connected retirement plan administration with tiered compliance support.

  Visit Human InterestFull verdict →
• EFEmployee Fiduciary8.4/10 · Paid

  A compliance-focused retirement plan service with clear annual fees and payroll connections.

  Visit siteFull verdict →