The 401k Retirement Plan for Small and Medium-sized Businesses

Seamlessly Integrated with Human Interest 401(k)

Human Interest and Capital Payroll Partners logos.

  • Easy setup and administration

    Say goodbye to most of the manual work of setting up and managing a 401k retirement plan. We handle compliance, recordkeeping, and updating employee information every payroll cycle.

  • “No-Touch” integration with Capital Payroll Partners

    Human Interest’s integration with Capital Payroll Partners reduces the burden of managing a 401k retirement plan by syncing to payroll, processing contributions, and handling employee contribution rates changes.

  • Automated investment advice

    Employees can access built-in investment advice with personalized features from an SEC-Registered Investment Advisor. The plan administrator has the option to choose and manage their funds or choose to work with their personal financial advisor.

  • Affordable, high-quality investment options

    We aim to keep fees low — and transparent — for both employers and employees. Employees can invest in low cost mutual funds across multiple asset classes and risk categories.

  • Continuous 401(k) account management

    Human Interest provides ongoing support for administrators and employees. With our Concierge plan, customers will have access to a dedicated Account Manager.

  • Traditional providers vs. Human Interest

    Traditional providers have built their business on administering large 401k plans. They have not built the technology and automation required to efficiently run small plans. Human Interest’s fully automated 401(k) plans can be set up online without ongoing administration and less the cost of a traditional 401k retirement plan.

Take the tedium out of 401(k)-related tasks

A Human Interest 401(k) streamlines processes and reports, communicating directly with your payroll system to sync information on-the-fly. Say goodbye to manual reporting and busywork related to updating employee information that is already in your payroll system. With Capital Payroll Partners, Human Interest has your payroll and retirement benefit integration needs covered, so you can focus on the bigger picture of running and maintaining a profitable small or medium-sized business.
Capital Payroll Partners and Human Interest no-touch 401(k) integration diagram.

401(k) Retirement Plan FAQ

A 401(k) is a tax-advantaged retirement savings plan sponsored by an employer. It allows employees to contribute a portion of their wages (pre-tax or Roth) to individual accounts. At Capital Payroll Partners, we integrate these plans directly into your payroll cycle, so contributions are automatically deducted and invested without any manual work on your end.

For small businesses, a 401(k) used to be an administrative nightmare. However, our “No-Touch” integration with Human Interest automates the heavy lifting. Once the plan is set up, it syncs directly with our payroll system to handle employee onboarding, contribution changes, and IRS compliance testing. You simply run your payroll as usual, and the retirement data flows seamlessly in the background.

While not always legally required at the federal level, many states are now mandating that employers offer a retirement option. Furthermore, the SECURE Act 2.0 now requires most new plans established after 2024 to include automatic enrollment. Even if not mandated for your specific size yet, a 401(k) is now considered a standard expectation for talent in the Virginia, Maryland, and D.C. markets.

  • Attract & Retain Talent: In 2026, a 401(k) is a top-tier benefit that helps you compete with larger corporations for skilled workers.
  • Tax Savings for Employees: Pre-tax contributions reduce an employee’s taxable income today, while Roth options allow for tax-free growth in the future.
  • Employer Tax Deductions: Any matching contributions you make as an employer are generally 100% tax-deductible for your business.

Absolutely—and it’s more affordable than ever. Thanks to the SECURE Act 2.0, eligible small businesses (up to 50 employees) can receive tax credits covering 100% of plan startup costs (up to $5,000 per year) for the first three years. There are also additional credits for employer contributions made to employee accounts. In many cases, these federal credits can offset nearly the entire cost of the plan.

When choosing a provider, look for these three essentials:

  1. Seamless Integration: Your 401(k) provider must “talk” to your payroll provider to avoid manual data entry and errors.
  2. Fee Transparency: Ensure there are no hidden “AUM” (Assets Under Management) fees that eat into your employees’ savings.
  3. Fiduciary Support: Look for a partner that takes on the legal responsibility (fiduciary duty) for managing the plan’s investments.

We remove the “tedium” of retirement benefits. By combining our high-touch payroll service with automated retirement technology, we provide a solution that includes:

  • Automated Sync: No more manual uploading of contribution files.
  • Compliance Management: We handle the recordkeeping and year-end reporting.
  • Employee Portals: Your team can manage their investments and view their progress directly through a modern, mobile-friendly interface.

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