Human Interest

The 401(k) for small and medium-sized businesses.

humaninterest.com

HQ: San Francisco, CA, USA

B2B

Company research

Public company, workplace, funding, and market signals

Updated Aug 2, 2026

Overview

Human Interest is a San Francisco financial-technology company that provides affordable, automated retirement plans to small and midsize businesses. Its mission is to close the U.S. retirement-savings access gap; the company reports serving roughly 47,000–50,000 employers and nearly 2 million eligible employees as of late 2025/early 2026.

Primary product

A technology-first, full-service 401(k) and 403(b) platform covering plan setup, payroll integrations, automated contributions, recordkeeping, investment education/advice, compliance, IRS filings, fiduciary oversight, employee support, and related retirement-plan services.

Founded

2015

Headquarters

655 Montgomery Street, Suite 1800, San Francisco, California 94111, United States

Team size

700–900 employees; Revelio Labs estimated 829 worldwide in March 2026, while other public profiles report approximately 815–877.

Work style

Flexible

Industry

Financial services

Sub-industry

Fintech / retirement-plan administration / employee benefits software

Offices

San Francisco, California, United States

Lindon, Utah, United States

Business model

B2B subscription SaaS for employer-sponsored retirement plans

Per-eligible-employee administration fees

Asset-based recordkeeping and investment-advisory fees

White-label / embedded retirement technology for payroll providers, financial institutions, accountants, and advisors

Partner-distributed 401(k) and 403(b) plans

Funding

Stage

Late-stage, revenue-generating venture-backed private company / unicorn

Total raised

$904M

Latest round

Later-stage venture / reported Series E extension or Series F financing · Jan 2026

Latest amount

$200M

Later-stage venture financing (reported)

Jan 2026

$200M

Secondary transaction

Jan 2026

Series E investment / Morgan Stanley Tactical Value tranche

Aug 2025 · Morgan Stanley Tactical Value

$50M

Series E

Jul 2024 · Marshall Wace and Baillie Gifford

$267M

Series E / combined equity, secondary, and credit-facility financing

Jul 2024 · Marshall Wace and Baillie Gifford

$267M

Debt / credit facility

Jun 2022

Series D

Aug 2021 · TPG's The Rise Fund, with SoftBank participation

$200M

Series C

Feb 2021

$105M

Series B

Jul 2019

Series A

Jun 2017

Seed

Aug 2015

$3.5M

Accelerator / incubator (Y Combinator)

Jun 2015 · Y Combinator

$100K

People & investors

Leadership

Jeff Schneble

Chief Executive Officer

Rakesh Mahajan

Chief Revenue Officer

Klinton Miyao

Chief Legal & People Officer; Corporate Secretary

Abhi Mishra

Chief Technology Officer

Tripp Faix

Chief Financial Officer

Natalia Voronina

Chief Accounting Officer

Founders

Paul Sawaya

Co-founder

Roger Lee

Co-founder

Investors

Work & culture

The company describes a high-growth, collaborative, flexible, mission-driven culture. Published operating principles are customer obsession, long-term orientation, autonomous and accountable teams, a rising bar for talent and performance, and fundamental optimism. San Francisco employees may work in-person or hybrid; many listed roles are remote, while Lindon is the center of customer-success operations.

Work style

Flexible

Compensation

Public job postings expose role-specific salary ranges inconsistently; no reliable company-wide compensation dataset was found. Public benefits include equity for all employees, a matched company 401(k), health coverage, stipends, and family/mental-health benefits. Visa sponsorship is not clearly stated in the reviewed postings.

Benefits

Company 401(k) with dollar-for-dollar match up to 4% of compensation, immediately vested

Stock options for every employee

Health, dental, and vision coverage; employee premiums described as fully paid and dependent premiums partly covered

FTO/PTO and generous parental leave

HSA with employer contribution

Fertility and family-forming benefits

Short- and long-term disability and life insurance

Mental-health coaching and therapy for employees and dependents

Financial-wellness support

Work-from-home, lifestyle, wellness, and education stipends

Charitable-donation matching up to $1,000 annually

Employee resource groups and company/department events

Product & market

Pricing

Employer-paid flat monthly base fee plus a per-eligible-employee fee, with tiered plans. Public pricing pages show approximately $80/month + $5 per eligible employee for a basic tier, $180/month + $7 per eligible employee for a higher tier, and $280/month + $9 per eligible employee for Concierge; setup fees and separate recordkeeping/advisory asset-based fees may apply.

Differentiators

—Designed specifically to make retirement plans affordable and accessible to SMBs
—Automated administration and deep payroll connectivity—nearly 600 integrations claimed
—No 401(k) transaction fees for standard covered transactions
—3% participant cash-back incentive, up to $250, through (k)ickstart for eligible lower-wage employees
—Money-backed Customer Experience Guarantee
—Audit relief and DOL audit-defense offerings
—White-label Embedded Retirement platform with no additional platform-licensing fee for partners, according to the company
—Price Match Guarantee
—Technology-first workflow intended to replace manual PDFs, spreadsheets, and fragmented legacy administration

Technology

Payroll and HRIS integrations (600+ payroll providers)

GraphQL

TypeScript

Node.js

Webpack

SQL

Snowflake

Azure Data Factory

Microsoft Azure

Terraform

GitHub Actions

Salesforce

Jira

Confluence

Workday

Greenhouse

Customers

Small and midsize businesses offering employer-sponsored 401(k) plans

Companies with hourly, franchise, retail, restaurant, construction, and other traditionally underserved workforces

Financial advisors and retirement-plan partners

Payroll providers and financial institutions using Embedded Retirement

Nearly 47,000–50,000 employer customers reported by the company

Competitors

Guideline

Vestwell

Betterment for Business

Empower

Fidelity

Vanguard

ADP

Paychex

ForUsAll

401Go

Scale & contact

Estimated revenue

Approximately $80M–$100M annual recurring revenue; a third-party estimate put 2023 ARR at about $85M, while Human Interest said it passed $100M ARR in early 2024. This is an estimate, not audited company revenue.

Estimated monthly visits

700K

Traffic estimate as of Aug 2026

privacy@humaninterest.com +1 877-475-0179 (sales); +1 855-622-7824 (support/general customer service)

Signals & risks

Other

Third-party workforce data reported a contraction from a 2023 peak of about 890 employees to a 2025 low near 776, followed by recovery to approximately 829 in Q1 2026. This is a workforce signal, not confirmed evidence of a formal layoff.

Source

Other

Jul 2024

Human Interest said it was approaching cash-flow break-even and preparing for public-company readiness; these statements are forward-looking and should not be treated as a completed IPO or guarantee of financial performance.

Source

Latest news

Human Interest Is Now Available to Provide Technology-First 401(k) Solutions for UBS Financial Advisors

Human Interest / GlobeNewswire · Mar 2026

UBS made Human Interest available as a recordkeeping solution to its U.S. financial advisors, expanding the company's advisor-distribution channel; the release cited nearly 50,000 customers and more than 650 advisory firms.

Human Interest Unveils Third Generation of Human Interest Embedded Retirement

Human Interest · Dec 2025

The company announced a new generation of its white-label embedded-retirement platform, reporting more than 18,000 partner-originated customers and integrations with nearly 600 payroll companies.

Morgan Stanley Tactical Value to Invest Up to $50 Million in Human Interest

Human Interest · Aug 2025

Morgan Stanley Tactical Value committed up to $50M as part of the previously announced Series E financing, bringing reported combined primary and secondary financings above $700M.

Human Interest Lays Public-Ready Foundation With $267M in Financings, New Key Hires, and New Board Members

Human Interest / GlobeNewswire · Jul 2024

The company described its financing, leadership, and board changes as steps toward public-company readiness and said it had passed $100M in ARR and was approaching cash-flow break-even.

Retirement Tech Startup Human Interest Notches $1.33 Billion Valuation

Bloomberg · Jul 2024

Bloomberg reported a $267M equity-and-debt financing led by Marshall Wace and Baillie Gifford at a $1.33B valuation.

Jobs and careers at Human Interest

75 jobs at Human Interest

Director, Customer Success

On-site

Customer Success and Operations

Lindon, UT; Lindon, UT, Hybrid

1d ago

On-site

Full-time