Guideline headquartered in San Mateo offers a cloud-based 401k management software for businesses priced on a per employee basis.
N/A
Human Interest
Score8.7 out of 10
N/A
Human Interest headquartered in San Francisco offers their cloud-based 401k administation platform for employers featuring flexible plan design and a dedicated account manager.
$80
per month
Rippling HCM
Score8.9 out of 10
N/A
Rippling HR is a human resources platform for managing employee records, onboarding, benefits, time and attendance, compliance, and other core people operations in one system. It serves as the HR layer of the broader Rippling platform, giving companies a central place to manage the employee lifecycle while connecting HR data to payroll, IT, and finance workflows when needed.
$8
per month per user
Pricing
Guideline
Human Interest
Rippling HCM
Editions & Modules
No answers on this topic
Essentials
$80 + $5 per eligible employee
per month
Complete
$180 + $7 per eligible employee
per month
Concierge
$280 + $9 per eligible employee
per month
Recommended
$8.00
starting price per user, per month
Offerings
Pricing Offerings
Guideline
Human Interest
Rippling HCM
Free Trial
No
No
No
Free/Freemium Version
No
No
No
Premium Consulting/Integration Services
No
No
Yes
Entry-level Setup Fee
No setup fee
$499 one-time fee
No setup fee
Additional Details
—
Employees pay a recordkeeping services and custody-related asset-based fee of 0.05% to Human Interest Inc., an investment advisory fee of 0.01% to Human Interest Advisors, plus underlying fund fees. Asset-based fees are deducted monthly from the employee’s account according to the HII Terms of Service and HIA Terms of Service. All prices are exclusive of applicable taxes. If the plan sponsor elects to hire an external investment advisor, the plan sponsors will pay such advisor as agreed between the plan sponsor and advisor.
All prices are exclusive of applicable taxes and are subject to a $499 startup fee. See Terms of Service for additional details. Refer to humaninterest.com/payrolls for a list of integrated payroll providers. For non-rollover distributions, shipping and handling fees may apply to requests for check issuance and delivery.
For additional pricing details visit the Rippling pricing page.
More Pricing Information
Community Pulse
Guideline
Human Interest
Rippling HCM
Considered Multiple Products
Guideline
Verified User
Chose Guideline
Guideline is useful to keep track of employee retirement portfolios and keep the information visible instantly for the employees. It handles contributions towards the retirement account.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Verified User
Chose Guideline
We went with Guideline as it was more affordable than alternatives. I believe this ended up being a terrible mistake. Invest in a stronger 401k partner. Human Interest was the other provider we were considering. I don't know if closing an account would have been as …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Human Interest
Verified User
Chose Human Interest
We didn't really search for others; Human Interest was the preferred 403b provider for our services through Rippling.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Owner in Corporate at Pampered Pets Inn (Hospitality, 11-50 employees)
Chose Human Interest
My payroll and 401(k) plan were formerly with SunTrust (now Truist). I believe they outsourced and white labeled the plan administration. It was inexpensive and a great value. The integration was effective. The user interface was nowhere near as nice as Human Interest, both …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Verified User
Chose Human Interest
Answered this in the previous question! Ui UX is better at the guideline, and the guideline does a better job of educating customers on how to use their product for basic financial wealth and retirement planning education. Human interest does better with their customer …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Chief Operating Officer at Southeast Community Foundation (Non-profit Organization Management, 11-50 employees)
Chose Human Interest
Paychex Flex was a terrible experience from start to finish. Bad communication, no follow-through, incorrect setups, etc... HI has been the opposite of all those things so far.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Director of Operations in Corporate at Hilco Development Services (Construction, 11-50 employees)
Chose Human Interest
Previously we utilized John Hancock which was a nightmare from the user standpoint and a huge time waster from the administrative standpoint. The very outdated platform made it incredibly difficult to manage. The one thing I miss from John Hancock is the enrollment and …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Verified User
Chose Human Interest
I believe I would rank Human Interest the worst user experience that I can remember
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Benefits Consultant in Customer Service at FH INSURANCE (Insurance, 1-10 employees)
Chose Human Interest
We did not evaluate many other options because Human Interest was so good. Guideline seems similar though, but Human Interest has a more intuitive portal.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Rippling
Verified User
Chose Rippling HCM
Rippling is much easier to navigate than any other similar application I have used in the past. The information you need is two clicks away. In the past, I used other applications. They seemed clunky and complicated to use. The ability to manage banking information is …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Verified User
Chose Rippling HCM
Rippling is like a modern version of ADP which is more user friendly.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Verified User
Chose Rippling HCM
Rippling is much better than both of these platforms. Justworks and Insperity's user interfaces felt like they hadn't been updated in decades and were clunky to navigate. Rippling was organized from the start and had a specific place for everything I needed regarding my HR, …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Verified User
Chose Rippling HCM
HirArt work flow management is very poor. Flow of page wise information is difficult to handle Pagewise navigation in not smooth.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Verified User
Chose Rippling HCM
I've used Alight in the past for benefits management, onboarding, and health initiatives. It's not the worst thing in the world, but I found the UI cumbersome and the functionality that mattered to be hidden under layers of menus. Also, I ended up needing about 3 logins just to …
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
Staff Researcher in Engineering at Standard Cognition (Information Technology & Services, 51-200 employees)
Chose Rippling HCM
I have not used any other product as I used to work in academia and the paperwork as dealt with by the H.R. /planning department. After using Rippling I can tell the impact that it has on H.R. effort and the easiness to access one own's information easily.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
I believe that the only thing more broken than Guideline's product is their customer support. From initial contribution dates to the disastrous account closure that cost us personally thousands of dollars, this has been by far the worst SaaS and customer experience I've ever had in my career. If only 1) Guideline's product or 2) customer support had individually been broken, we would not have ended up in this state. I sent dozens and dozens of emails inquiring about oddities I was seeing in the product, but Guideline's reps only gave more conflicting and what ended up being grossly inaccurate feedback and status updates. I hope this review reaches anyone who is thinking of closing their Guideline account. Be extremely wary of what Guideline says and does in the account closure process and exact for detailed and exact timelines (you'll have to follow up many times...). For those of you who haven't yet selected a 401k provider, I'd recommend staying as far away from Guideline as possible.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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.
When I first started my new job, it was an additional one on top of a day job I already had. I didn't have time to waste between getting home and starting this new night job, so the first thing that I found was that I was blown away at how quickly and easily I could log in and start. When starting a new job, I didn't need the added stress of learning another app/portal when I had more important things to learn. I am really grateful for those 2 factors alone. Once I got more familiar with the portal, I was able to search around a bit and found some great features that have just enriched the experience even more...no training needed.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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.
I feel that the customer support was abysmal - In my experience, we were consistently given conflicting advice and statuses as we closed our account with Guideline. Despite many, many follow-ups attempting to clarify our current status and remaining steps to close the account, Guideline's reps continued to provide, I believe, misleading and inaccurate steps. This cost us thousands and thousands of dollars given Guideline was not able to appropriately pull the funds before closing the account.
Guideline's integrations - I believe there is clearly a broken pipeline between Guideline and Rippling. In my experience, contributions were not funded as expected when we first opened the account, and when we closed our account, there was no communication between Guideline and Rippling. Guideline continued to expect contributions into perpetuity despite closure of the account
I feel that Guideline's product itself is just broken in critical places - most importantly, statuses of contributions were reflected incorrectly in the software (Guideline thought funds were transferred, but they were not and Guideline never attempted to pull the funds from our bank). This, combined with the terrible customer support, cost us thousands and thousands of dollars after we closed our account. There are many absolutely critical features that are broken -> to give just one of many examples, it was not possible to update the bank account information and no error message was thrown. I was told that our account ended up in an exceptional state given our last payroll contribution date and account closure, but these seem like very basic things a 401k provider has to get right if there are going to manage people's money.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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.
The overall look and feel of Rippling is dated; it looks like it's straight out of the 00's.
The could be more functionality in the LMS, expanded features, more options, it works, and it's basic, but it could be really great with a few added features.
The shift from using people's personal email to log in to their work email, not everyone wants to use their personal information to log into a work system.
I've been fully impressed with the tool so far in my 6 months of being a daily user. It's rare to run into an issue that can't be solved. Customer service is quick to respond and are usually very helpful. The price is great for the upgrade we got from our past tool. We hit our ROI within the first month.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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
It is easy to use. It has an option to favorite commonly used functions, such as timekeeping and payroll. The app is easily accessible and easy to use, thanks to a quick-use option. This can be managed remotely and is great for all things HR for a company employee.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
I like that the availability in using Rippling at any given time is useful to me. Getting on the site freely when I need gives me security of knowing that I can be in control of viewing health insurance and hours information. I have yet to get any errors in using the Rippling app.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Rippling's performance has been great, no errors or glitches yet so far. I am confident that Going from one page to the next and all its complexity usage does not lag or times out, it works effectively and efficiently. While using Rippling and other apps it does not tend to slow it down, works great. No complaints.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
The few questions that we've had have been answered quickly and helpfully. The implementation was a breeze and the onboarding contacts were really helpful. There was some stuff I had to learn about 401(k)s in making the decision to implement Guideline, but the Guideline team was helpful in pointing me in the right direction.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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.
I have contacted support one time, and I was assisted by the Artificial Intelligence bot. Not only did it help with my inquiry, but it also went the extra mile by suggesting other options. I was looking for a feature I could not find, and it was very helpful. It would be nice also to chat with an actual person.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
It's really easy to implement in comparison to other tools or applications. Different key points are easily configured and implemented as per need, having different configurations in systems. Implementation is something which binds the different parameters of an organization in a single row. Implementation of rippling is much easier, quicker, and error free than any other software. I recommend it strongly!
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
We selected Guideline due to their relationship with Gusto, our payroll service. However, we did review alternative options for our 401k program and found them very competitive as to price and quality. We were thinking about going with one of the bigger companies like Schwab, E*TRADE, Ally, etc., but found Guideline to be the best choice for us based on price and ease of use.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
Rippling has a much more modern, user-friendly approach, and it continues to build out their product suite to help create a seamlessly integrated eco-system. BambooHR is also more modern, but doesn't seem to have the broad product suite that Rippling is pursuing. UKG felt so disconnected and archaic to work with... quite painful, actually. I really like that Rippling has been extremely supportive with the onboarding process, ensuring that you work with various members of their implementation team to get things up and running which leads to a better experience and quicker ROI.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
I can go on here and see all my hours and pto plus health benefits. I like to have the work handbook handy to refer to legal things. How to work my role within it's limits. Being able to put in my hours and view when they are approved is a huge benefit for me.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. TR verified that a representative sample of customers was invited. More Info
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
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.
A de minimis incentive was given to thank the reviewer for their time. The incentive was not used to bias or drive a particular response, nor was the incentive contingent on a positive endorsement. More Info
