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 + $6/participant/month

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

Complete:
$160/month + $7/eligible employee/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)
0.72% on assets annually
($7.20 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

Qualified default investment

Core - globally diversified managed ETF portfolio

A managed mutual fund portfolio

Additional investment strategies
Value Tilt,
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

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

Financial advice across investing and savings goals:

401(k),

529 Education Savings 
Student Loan Management,
Other personal financial goals

401(k) ,
403(b)
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
Automated compliance support
Access to onboarding support team

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