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Betterment at Work vs. Human Interest

Compare 401(k) providers across fees, investments, employee experience and service & support. 

Betterment at Work Human Interest
Fees
Ongoing administrative (Paid by employer)

Essential:
$100/month + $5/participant/month

Pro:
$150/month + $7/participant/month

Essentials:
$120/month + $5/eligible employee/month

Complete:
$160/month + $7/eligible employee/month
Estimated fund fees (Paid by employee)

0.04%1

0.07%2
Investment management (Paid by employee)
0.25% on assets annually
($2.50 for every $1,000)
0.72% on assets annually
($7.20 for every $1,000)

 

 
Investments
Funds

Exchange Traded Funds (ETFs)

Mutual Funds
Managed portfolios
Portfolios

8 strategies with customizable risk levels , plus the Flexible Portfolio Strategy

1 strategy
Qualified default investment

Core - globally diversified managed ETF portfolio

A managed mutual fund portfolio
Additional investment strategies
With an advisor, create a specific fund-lineup based on your employees’ needs using nearly 10,000 ETFs and mutual funds.
Flexibility

Participants may choose their own allocation
Participants may choose their own allocation
Socially responsible investments

3 managed portfolio strategies:

checkmarkchiccory  Broad Impact

checkmarkchiccory  Social Impact

checkmarkchiccory  Climate Impact

2 mutual fund options:

TIAA-Cref Core Impact Bond,
Vanguard FTSE Social Index Admiral Fund
Rebalance frequency

Ongoing, based on portfolio drift once at minimum account balance. Contributions/ withdrawals are used to realign portfolio back to target weights
Quarterly
Employee Experience
Platform scope

401(k)-first experience with additional financial products:

checkmarkchiccory  529 Education Savings,

checkmarkchiccory  Financial Coaching,

checkmarkchiccory  Retail Investing Platform: Automated investing, High-yield cash savings, IRAs
401(k) 
403(b)
Solo 401(k)
IRA
Personalized advice for all employees
External account syncing
Personalized retirement planning tools
Tax coordination strategies
Access to human advisors
For financial advisory services, additional fees apply for use in the Pro plan. Services not available in the Essential plan.
Service and support
3(16) Administrative Fiduciary
Only available in 'Complete' and 'Concierge' tiers
Online signup process
Compliance expertise

Our Hassle-Free Compliance Guarantee.

We guarantee that your prepared prior-year audit package will be delivered by May 31. If you are still waiting to receive it in time to file Form 5500, we'll refund you up to $1,000 off your annual base fee. See terms and eligibility
Access to onboarding support team

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