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:
$42/month + $5/participant/month

Pro:
$125/month + $6/participant/month

Essential:
$120/month + $4/participant/month

Complete:
$150/month + $6/participant/month

Estimated fund fees (Paid by employee)

0.06%1

0.07%2

Investment management (Paid by employee) 0.25% on assets annually
($2.50 for every $1,000)
0.50% on assets annually
($5.00 for every $1,000)

 

 

Investments
Funds

Indexed Exchange Traded Funds (ETFs)

Mutual Funds

Managed portfolios
Portfolios

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

1 strategy, plus 20 customizable risk levels

Qualified default investment

Core - globally diversified managed ETF portfolio

A managed mutual fund portfolio

Additional investment strategies
Innovative Technology,
Socially Responsible (3),
Goldman Sachs Smart Beta,
BlackRock Target Income,
Flexible Portfolio Strategy
Flexibility

Participants may choose their own allocation

Participants may choose their own allocation
Socially responsible investments

3 managed portfolio strategies:

Broad Impact,
Social Impact,
Climate Impact

3 mutual fund options:

TIAA Social Choice Equity Fund,
Vanguard FTSE Social Index Fund,
TIAA Social Choice Bond Fund

Rebalance frequency

Ongoing, based on portfolio drift. Contributions/ withdrawals are used to realign portfolio back to target weights

Quarterly
Employee Experience
Platform scope

Financial advice across investing and savings goals:

401(k),
Student Loan Management3,
Other personal financial goals

401(k) ,
403(b)
Personalized advice for all employees
External account syncing
Personalized retirement planning tools
Tax coordination strategies
Mobile app
Access to human advisors4
Service and support
3(16) Administrative Fiduciary Additional cost5
Online signup process
Automated compliance support
Access to onboarding support team

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