Betterment at Work vs. Human Interest
Compare 401(k) providers across fees, investments, employee experience and service & support.
| Betterment at Work | Human Interest | ||||||||
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| Fees | |||||||||
| Ongoing administrative (Paid by employer) |
Essential: Pro: |
Essential: |
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| Estimated fund fees (Paid by employee) |
0.06%1 |
0.07%2 |
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| 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)
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| Investments | |||||||||
| Funds |
Indexed Exchange Traded Funds (ETFs) |
Mutual Funds |
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| Managed portfolios |
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| Portfolios |
7 strategies with customizable risk levels , plus the Flexible Portfolio Strategy |
1 strategy |
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| Qualified default investment |
Core - globally diversified managed ETF portfolio |
A managed mutual fund portfolio |
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| Additional investment strategies |
Value Tilt,
Innovative Technology,
Socially Responsible (3),
Goldman Sachs Smart Beta,
BlackRock Target Income,
Flexible Portfolio Strategy
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| Flexibility |
Participants may choose their own allocation |
Participants may choose their own allocation
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| Socially responsible investments |
3 managed portfolio strategies: Broad Impact,Social Impact, Climate Impact |
2 mutual fund options: TIAA-Cref Core Impact Bond, |
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| Rebalance frequency |
Ongoing, based on portfolio drift once at minimum account balance. Contributions/ withdrawals are used to realign portfolio back to target weights |
Quarterly
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| Employee Experience | |||||||||
| Platform scope |
Financial advice across investing and savings goals: 401(k), 529 Education Savings |
401(k) ,
403(b) |
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| Personalized advice for all employees |
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| External account syncing |
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| Personalized retirement planning tools |
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| Tax coordination strategies |
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| Access to human advisors |
For financial advisory services, additional fees apply for use in the Pro plan. Services not available in the Essential plan.
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| Service and support | |||||||||
| 3(16) Administrative Fiduciary |
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Only available in 'Complete' and 'Concierge' tiers
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| Online signup process |
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| Automated compliance support |
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| Access to onboarding support team |
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Ready for a better 401(k) plan?
