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Betterment

Save, invest, retire

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Betterment vs. Human Interest

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

Investments Betterment Human Interest

Funds

Betterment

Indexed Exchange Traded Funds (ETFs)

Human Interest

Mutual Funds

Personalized Advice for All Employees

Betterment
<title>This is supported</title>
Human Interest
<title>This is supported</title>

Additional portfolio strategies

Betterment
<title>This is supported</title>
Human Interest

Funds with sales changes or 12b-1 fees¹

Betterment
<title>This is not supported</title>
Human Interest
<title>This is supported</title>

Number of individuals involved in investment advisory services ¹

Betterment

16

Human Interest

2

Employee Experience Betterment Human Interest

Platform scope

Betterment

Holistic advice across all saving and investing goals

Human Interest

401(k) only

External account syncing

Betterment
<title>This is supported</title>
Human Interest

Personalized retirement planning tools

Betterment
<title>This is supported</title>
Human Interest

Tax coordination strategies to help maximize returns

Betterment
<title>This is supported</title>
Human Interest

Access to human advisors²

Betterment
<title>This is supported</title>
Human Interest
Service and support Betterment Human Interest

Investment, administrative, and compliance support

Betterment
<title>This is supported</title>
Human Interest
<title>This is supported</title>

3(38) Investment Fiduciary

Betterment

Standard

Human Interest

Additional cost³

3(16) Administrative Fiduciary

Betterment

Standard

Human Interest

Additional cost³

Online signup process

Betterment
<title>This is supported</title>
Human Interest

Automated compliance support

Betterment
<title>This is supported</title>
Human Interest
Fees Betterment Human Interest

Ongoing Administrative (Employer pays)⁴

Betterment

$42/mo + $4/participant/month (Standard)

$125/mo + $4/participant/month (Premium)

Human Interest

$120/mo + $4/participant/month (Essentials)

$150mo + $6/participant/month (Complete)

$150mo + $8/participant/month (Concierge)

Estimated fund fees (Employees)

Betterment

0.06%⁵

Human Interest

0.07% average fund fees

Investment management (Employees)

Betterment

0.25% on assets annually ($2.50 for every $1K)

Human Interest

0.50% of assets annually ($5.00 for every $1K)

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1 From Betterment and Human Interest forms ADV.

2 Additional fee may apply.

3 Feature available only as part of Complete or Concierge packages.

4 Other fees may apply.

5 Based on weighted average fund fees of most commonly used portfolio with 90% equity/10% fixed income.

Human Interest information from humaninterest.com.