Human Interest vs. OnPay

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.

OnPay works for me as a small business owner. It streamlines HR, Payroll and Employment Tax Filings - and it can be helpful in exploring benefit options with integrated partners. We run payroll for both of our companies through OnPay and haven't had any issues. The employees find it easy to use on their end, as well. The OnPay representatives are extremely proactive and communicate updates/changes in a very timely manner. If you have a substantial number of employees, it may be more efficient to look elsewhere due to cost.

Incentivized

• They sold us very well in the beginning and the original sales rep brought in his manager which also helped answer questions our executives had.
• Ease of use for employees seems great. Walking through as an employee is simple and quick. All electronic paperwork is great.
• Sending reminder emails to sign up for the 401(K) is a great feature that's easy to use. I have used these a lot!

Incentivized

• It is easy to add new employees.
• It is easy to inactivate employees who leave the company.
• All quarterly and annual reports are completed and filed on a timely basis.
• Employees have direct online access to their paycheck as well as their W-2.

Incentivized

• Payroll cycles in small business can be a weekly on-cycle evolution which is not automatically recognized.
• The Annual Census verification, and IRS requirement, is cumbersome as a resubmission of data already known.
• Email to new participants can go unaddressed without notification to the company administrator. Better to illicit early follow-up than wait till their emails expire do to participant non-action.

• You can add additional additions or benefit items such as a car allowance. The process required me to contact a representative as that wasn't as easy to navigate.
• The process for handling additional withholdings for pre-payed taxes required support to ensure the calculations were accurate.
• Process for on-boarding is a little tricky if you don't start the process from the point of hire. You can add various things easily but it reflects differently in terms of completion of an Employee file.

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

We have used OnPay for a few years now and we do continue to renew our annual use of OnPay. We are only a small organization and although OnPay provides a lot of additional services that larger organizations might ind useful, OnPay still meets our limited requirements of running bi-weekly payroll and submitting our quarterly state and federal tax documents, and at a price that we still find affordable.

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

For a one geography business in a larger metro area not planning to expand tax geographies or do anything other than the same-ol, same-ol, then I think OnPay is great. Their biggest issue is tax support responsiveness - it's simply unacceptable yet they seem to not be concerned about it at all.

no issues so far

OnPay immediately responds to any of my inquiries.

Incentivized

Easy to navigate

Incentivized

No complaints on OnPay's integration with Xero.

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.

They have always solved my problems and answered the questions I had. In the earlier years, they were much better and faster but in recent years there appears to be not as much people available so this results in more email requests.

Incentivized

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

Easy to implement and easy to convert any other payroll reports to the OnPay system when making the switch

Incentivized

So we had previously been with Empower, which is another 401k. They're substantially larger. Their web platform is very bulky. Their compliance was hard to get information from. We really liked when we talked with Human Interest Implementation Team that we could get pretty much right to the top. I mean, if we wanted to talk to their COO, we could do that and that all of their compliance stuff just seems to be tied in as the compliance director. That's really important to me.

OnPay is tremendously less expensive and technically superior to Quickbooks in my opinion. OnPay is less expensive and offered the ease of managing a restaurant payroll that was better in my opinion than When I Work. My experience when evaluating all of the payroll products that I felt the company could afford was that OnPay had a superior staff of professionals who knew their product and could explain how to use it most clearly.

Incentivized

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

OnPay works.

Incentivized

• I think it's a little bit hard for me to say since I have been more of a recommender of these products in my roles. I've been at a lot of early stage companies that we're looking for solutions and I've recommended human interest because I think it's easy for scaling organizations to get in place. I think in a large organization, what I would talk to is very specifically the user experience. I think 401k understanding and most large organizations is a very for, it's something that's forgotten. And what that means is basically we kind of give it to folks, but we don't actually teach them or help them leverage it. And so they're very on their own. I think human interest is so easy to use that you provide a better experience from day one there, let alone from actually really setting it up correctly.

• Massive time savings. Wonderfully easy to use interface.
• I've loved the Chat feature. It's provided quick clear direction from your staff for me at times when it was needed.
• I've had very minimal worry about the tax filings and am grateful for that component of your automation.
• During the recession we experienced as a result of COVID19 I was particularly grateful we were able to have guidance from your team on how we needed to handle ERC credits. We did run into filing issues there, but were able to resolve them in the end.

Incentivized