Empower vs. Human Interest

Does all the work for correct deductions from employee's pay. When there is an issue with any employee's account, Empower works hard researching the issue and getting to the problem to correct it in a timely manner. My submitting payroll deductions is fast and easy. There are no issues there.

Incentivized

Actually you guys serve a lot of variety of clients that we have. So everything from simple clients on your 316 and then you got your 338 platforms to some more of the complex clients that want to carve out their own funds. You guys integrate well with financial advisors if they wish to use that, but a lot of times it's, those aren't necessary if clients want to save money.

• Managing the helpdesk tickets.
• Automatic financial tracking and information.
• Maintaining management requirements, along with providing a clean interface to end users.

Incentivized

• So as a user of it, since I was being paid by these companies, being able to manage my level of risk, being able to manage how much I was putting in from a percentage standpoint was always super easy. Even in a situation where my last company was acquired, we had to go through transferring over to different solutions was super useful. The team was always very open, honest about, Hey, what can we do? How can we work with them? And accommodating in that way. I think as a provider it was so easy to get team members set up. I never had any complaints. I never had anybody worry. I never had somebody come to me and go like, I don't understand Human Interest.

• The transfer of payroll information from our payroll software to Empower, without getting charged on both ends.
• The fees can be a lot
• Notifying us when a notice or letter is returned to sender, so we can try to find out the new address.

Incentivized

• The only thing I can think of right off hand is that there's a day delay when we look at our total. So for instance, we heard the other day that there was a rally in the markets on Friday and that everybody had supposedly recouped all of their losses from March. We actually had to wait the whole weekend until Monday to log in to actually see what those were. And I know real time is really, really hard, but anytime we could get something faster, that would probably be my only.

We have had no problems and will stay with Empower for our 401k needs.

Incentivized

We will drop Human Interest as soon as they rectify their error in withdrawing $3600 in additional fees earlier this year

It is very useful. From managing leaves to working hours, it keeps track of everything. Also, it currently has all the features required for managing employees seamlessly.

Incentivized

It's really easy to get, well, first of all, they get enrolled automatically so they get added to the platform automatically. They get removed from the platform automatically and everything is really easy to understand for someone who doesn't have a lot of experience. And that's actually a lot of our employees have never had a retirement benefit before. They don't know anything about it. They really don't understand how it works. There's also a little bit of a fear factor with deducting money from their paycheck to be able to contribute to this. And so how easy it is for them to get it set up and then the information that Human Interest gives them about what the benefit is, how it works, all that, it's great

no issues so far

Easy to navigate

Incentivized

Had a past participant from 20 years ago, receive a letter from the government saying they might have a retirement account. Empower helped this employee and I didn't have to play detective concerning this person. They back tracked to Merrill Lynch to find this former participant and help her. I was impressed.

Incentivized

So we had a designated rep and he was fantastic. I don't remember his name at the moment, but he was almost immediately responsive. And you guys also partnered with us for client knowledge webinars and he was great. Great at that too.

super easy to get going

A key insight from our implementation of Human Interest is that early coordination across finance, HR, and leadership is critical. The platform itself is straightforward, but ensuring payroll integration, compliance documentation, and employee education are aligned from the start makes the rollout smoother and increases adoption. Another insight is that employees respond best when given clear, simple communication about how to enroll and the benefits of participation—this minimizes confusion and builds trust in the program. Finally, dedicating time up front to review compliance and reporting features helps avoid issues later and gives leadership confidence in the plan’s long-term stability.

Incentivized

It stood out when compared for features, legacy, customer support, and on-premises deployment.

Incentivized

Insperity was horrible. Expensive, hidden fees at every corner, not communicative. They messed up my plan and didn't include the requested Safe Harbor provision and I had to pay the piper for their mistake. Nothing Insperity did was customer first, fiduciary, or even compliant. I have had the exact opposite experience with Human Interest and they cleaned up Insperity's mess without any complaints and dealt with Insperity dragging their feet on the conversion over a $1k offboarding fee I refused to pay after they screwed up my plan

Incentivized

it was all great

we are only using it for one employee but when we hire more, it will be easy to expand already setup

Very professional

Incentivized

• It has improved employee experience and is a good tool for management to track things.

Incentivized

• It's been super positive because everyone wants payroll to be streamlined and not have to go into different systems. And I solved at Coastal, our platform is fully integrated with Human Interest and there's no fee to the customer for that. So that's definitely the best.