Human Interest vs. Rippling

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Human Interest
Score 8.7 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.
$805
per month
Rippling
Score 8.9 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
starting price per user, per month
Pricing
Human InterestRippling
Editions & Modules
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
Human InterestRippling
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup Fee$499 one-time feeNo setup fee
Additional DetailsEmployees 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
Human InterestRippling
Considered Both Products
Human Interest
Chose Human Interest
We use have used multiple 401k platforms from Fidelity, John Hancock, Transamerica, ADP. Human Interest is one of the easier platforms that provides the proper integration
Chose Human Interest
We do have other retirement partners and another one that we like to use that's similar in service would be 401GO and Icon.
Chose Human Interest
I can't remember the other vendor. I've used lots of big 401k providers, so John Hancock, Transamerica, Empower. I would say this is pretty well stacked, but again, for some reason, I'm not sure why people, larger organizations have this.
Chose Human Interest
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 …
Chose Human Interest
Human Interest was more cost effective to employees and so great to be connected with Gusto
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.
Chose Human Interest
I don't know what competes with Human Interest; as an employer, this is my first interaction with a 401(k) platform. As an employee, this lacks a lot of the functionality I'm used to seeing in other platforms.
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 …
Chose Human Interest
We were using American Funds Group, but it was convoluted and difficult to understand. Human Interest calculates the numbers for us and it is so much easier.
Chose Human Interest
It's not even close. Paychex Flex is expensive, confusing, and the customer service is abominable. Human Interest is better across every front, at least so far.
Chose Human Interest
Human Interest is more cost effective and easier to navigate than Empower.
Chose Human Interest
We just found the cost to participate in the mass marketed investing options were beyond the administrative and financial capacity of our small business.
Chose Human Interest
The cost for the service was better and we felt more understood as a company and felt that Human Interest took the time to explain the 401k program and options
Chose Human Interest
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.
Chose Human Interest
We didn't really search for others; Human Interest was the preferred 403b provider for our services through Rippling.
Chose Human Interest
I met a rep at a tax conference and didn't seriously evaluate any alternatives
Rippling
Chose Rippling
Rippling is hands down the best in the competition. ADP can be slow and laggy while Rippling makes it seamless. It was almost impossible to find time off and paystubs at times with ADP and Rippling made it so easy for me and my other employees to stay on top of everything.
Chose Rippling
Rippling is miles ahead in intuitive, modern design. Maas360 feels outdated and makes connecting devices and tracking them a puzzle to be put together. Rippling makes assigning simple and easy.
Chose Rippling
It blows it out of the water. ADP is one of the worst product with the worst support I have ever encountered. The switch to Rippling is one of the best moved I have made.
Chose Rippling
Some features have been helpful but for the most part the features are comparable from the employee perspective. For the finance and operations teams I know the Rippling has been easier to manage from a customer support and service angle, in terms of more complicated payroll …
Chose Rippling
Compared very well, I don't see any differences.
Chose Rippling
BambooHR was a great system as well. Looking toward the future Rippling offered more that we use currently and will use in the future. We are not looking to change systems in a few years. We are looking forward to growing with Rippling.
Chose Rippling
Gusto is very user friendly but lacks some of the "extra" features like review cycles and applicant tracking.
Chose Rippling
Rippling has a better UX design. This is significant because poor UX makes a huge difference to employees who are trying to complete HR or Hiring processes. Rippling PEO has been seemless and the onboarding team were excellent.
Chose Rippling
I'm sorry I wasn't involved in the decision-making process for switching to Rippling so I don't know what other HRIS software they looked at. Apologies.
Chose Rippling
Rippling had better pricing, more integration capabilities (360s where Paylocity only had 180s), and better access to customer service. It's been an absolute blast to use Rippling, it's got very good flow to it. It easy to find what you need organically or through the chat bot. …
Chose Rippling
I am not the one who actually changed from Clockify; I am just a Rippling user. But what I can tell you is that I used Clociky for almost a year, and it's the best. Rippling has more features, and those actually impact how the job is done and our daily production.
Chose Rippling
It helps keep all the systems centralized and unifies processes into a single tech stack. This is very helpful for small HR teams, especially remote ones that might need assistance with different laws and regulations from different states or countries. It also helps to have a …
Chose Rippling
I think Gusto is easier to use as a platform in terms of how to navigate it, however, I think it is more limited in terms of functionality and is also more expensive overall which is why I chose Rippling to try.
Chose Rippling
I like Rippling better than just works. The UX/UI is friendlier for employees of all backgrounds and it's easier to manager from the backend. As a manager, I prefer Rippling as well to help support my team through the website. It made it easier and had more features than …
Chose Rippling
Rippling was chosen because the price was more reasonable than other companies, and it had features that we needed. It is the perfect system for our business. Althought it could have more functions, it has all the functionality that our company needs.
Chose Rippling
It's way easier to navigate, things are in much cleaner spots. I used to get pretty lost on the workday interface, but I feel Rippling has everything that's important and in the areas you want them to be as a user. It also includes pay, whereas in the past we used MyPay as a …
Chose Rippling
Rippling is much more straightforward and easier to navigate than Workday, in my opinion. The layout feels more intuitive, and it’s easier to find what you need without having to click through multiple menus or search extensively. Tasks like onboarding, benefits selection, and …
Chose Rippling
Rippling was miles above Bamboo, UKG, and ADP. I think that they're very comparable to Paycom. Rippling was, by far, the most tech-driven HRIS we tested which was why it was ultimately chosen in favor of other options.
Chose Rippling
Rippling is way more advanced than Deel, I use that in past, especially UI and UX is way better, and overall product is really giant as compared to Deel, support is amazing, the mobile app is really amazing, the documents managements make it even better. So Rippling is much …
Features
Human InterestRippling
401(k)
Comparison of 401(k) features of Product A and Product B
Human Interest
9.0
Ratings
16% above category average
Rippling
-
Ratings
Payroll Integration9.00 Ratings00 Ratings
Compliance Maintenance9.00 Ratings00 Ratings
Plan Flexibility8.90 Ratings00 Ratings
Filings and Disclosures8.80 Ratings00 Ratings
Ease of Enrollment9.30 Ratings00 Ratings
Human Resource Management
Comparison of Human Resource Management features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.0
Ratings
10% above category average
Employee demographic data00 Ratings8.70 Ratings
Employment history00 Ratings8.80 Ratings
Job profiles and administration00 Ratings9.10 Ratings
Workflow for transfers, promotions, pay raises, etc.00 Ratings9.10 Ratings
Organizational charting00 Ratings9.10 Ratings
Organization and location management00 Ratings9.20 Ratings
Compliance data (COBRA, OSHA, etc.)00 Ratings9.00 Ratings
Payroll Management
Comparison of Payroll Management features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.2
Ratings
13% above category average
Pay calculation00 Ratings9.30 Ratings
Off-cycle/On-Demand payment00 Ratings9.00 Ratings
Benefit plan administration00 Ratings8.90 Ratings
Direct deposit files00 Ratings9.50 Ratings
Salary revision and increment management00 Ratings9.40 Ratings
Reimbursement management00 Ratings9.30 Ratings
Leave and Attendance Management
Comparison of Leave and Attendance Management features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.3
Ratings
13% above category average
Approval workflow00 Ratings9.40 Ratings
Balance details00 Ratings9.30 Ratings
Annual carry-forward and encashment00 Ratings9.30 Ratings
Employee Self Service
Comparison of Employee Self Service features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.2
Ratings
12% above category average
View and generate pay and benefit information00 Ratings9.40 Ratings
Update personal information00 Ratings9.50 Ratings
View company policy documentation00 Ratings9.40 Ratings
Employee recognition00 Ratings8.50 Ratings
View job history00 Ratings9.00 Ratings
Asset Management
Comparison of Asset Management features of Product A and Product B
Human Interest
-
Ratings
Rippling
8.8
Ratings
9% above category average
Tracking of all physical assets00 Ratings8.80 Ratings
HR Reporting
Comparison of HR Reporting features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.0
Ratings
18% above category average
Report builder00 Ratings8.70 Ratings
Pre-built reports00 Ratings9.00 Ratings
Ability to combine HR data with external data00 Ratings9.20 Ratings
Onboarding
Comparison of Onboarding features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.4
Ratings
17% above category average
New hire portal00 Ratings9.50 Ratings
Manager tracking tools00 Ratings9.30 Ratings
Performance and Goals
Comparison of Performance and Goals features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.0
Ratings
11% above category average
Corporate goal setting00 Ratings9.10 Ratings
Individual goal setting00 Ratings8.90 Ratings
Line-of sight-visibility00 Ratings9.10 Ratings
Performance tracking00 Ratings8.90 Ratings
Performance Management
Comparison of Performance Management features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.3
Ratings
17% above category average
Performance plans00 Ratings9.20 Ratings
Performance improvement plans00 Ratings9.20 Ratings
Review status tracking00 Ratings9.20 Ratings
Review reminders00 Ratings9.40 Ratings
Multiple review frequency00 Ratings9.30 Ratings
Succession Planning
Comparison of Succession Planning features of Product A and Product B
Human Interest
-
Ratings
Rippling
9.1
Ratings
15% above category average
Create succession plans/pools00 Ratings9.10 Ratings
Candidate ranking00 Ratings9.10 Ratings
Candidate search00 Ratings9.20 Ratings
Candidate development00 Ratings9.00 Ratings
Recruiting / ATS
Comparison of Recruiting / ATS features of Product A and Product B
Human Interest
-
Ratings
Rippling
8.9
Ratings
13% above category average
Job Requisition Management00 Ratings9.00 Ratings
Company Website Posting00 Ratings9.00 Ratings
Publish to Social Media00 Ratings9.10 Ratings
Job Search Site Posting00 Ratings8.80 Ratings
Duplicate Candidate Prevention00 Ratings9.00 Ratings
Applicant Tracking00 Ratings8.80 Ratings
Notifications and Alerts00 Ratings9.00 Ratings
Best Alternatives
Human InterestRippling
Small Businesses
OnPay
OnPay
Score 8.7 out of 10
Dayforce Powerpay
Dayforce Powerpay
Score 9.2 out of 10
Medium-sized Companies

No answers on this topic

Paypro Workforce Management
Paypro Workforce Management
Score 9.1 out of 10
Enterprises

No answers on this topic

PeopleStrong
PeopleStrong
Score 10.0 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
Human InterestRippling
Likelihood to Recommend
8.8
(0 ratings)
9.1
(0 ratings)
Likelihood to Renew
10.0
(0 ratings)
8.9
(0 ratings)
Usability
9.2
(0 ratings)
9.3
(0 ratings)
Availability
10.0
(0 ratings)
9.1
(0 ratings)
Performance
10.0
(0 ratings)
8.8
(0 ratings)
Support Rating
8.1
(0 ratings)
8.9
(0 ratings)
In-Person Training
-
(0 ratings)
8.6
(0 ratings)
Online Training
10.0
(0 ratings)
-
(0 ratings)
Implementation Rating
10.0
(0 ratings)
7.9
(0 ratings)
Configurability
10.0
(0 ratings)
7.4
(0 ratings)
Ease of integration
10.0
(0 ratings)
9.1
(0 ratings)
Product Scalability
10.0
(0 ratings)
9.1
(0 ratings)
Vendor post-sale
10.0
(0 ratings)
9.1
(0 ratings)
Vendor pre-sale
10.0
(0 ratings)
8.6
(0 ratings)
User Testimonials
Human InterestRippling
Likelihood to Recommend
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.
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It has a favourites section for commonly used functions. This is perfect for logging in pre-sift and managing my timekeeping. It is easy to view my payslip. It is well-documented and accurate, and it also provides me with an accurate timeline for when to expect my pay to clear. Overall, very easy to use and great interface.
Read full review
Pros
  • 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!
Read full review
  • It is really easy to navigate, I barely needed instruction on how to do things in it as it is very intuitive.
  • Ease of workflow mapping, it was easy to have emails auto-generated to our staff regarding their eLearn content or compliance requirements.
  • Onboarding was made much easier with the workflows, auto emails sent at different points in the onboarding process, ensuring everything gets done to prepare the company to accept the new hire and to inform the new hire of what to expect.
Read full review
Cons
  • 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.
Read full review
  • Rippling could improve their payment days. Currently they make employee payments around the 15th and 30th of the month, but it varies slightly with every month. It would make more sense to do this payment on every other Friday or every other Monday.
Read full review
Likelihood to Renew
We will drop Human Interest as soon as they rectify their error in withdrawing $3600 in additional fees earlier this year
Read full review
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.
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Usability
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
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Very intuitive, user-friendly, and modern interface that doesn't make you cringe when you have to access it for anything. The admin navigation is easier compared to our previous system, and doesn't feel like a maze of complicated jargon. On the user side, the benefits enrollment process was a breeze, and felt so much more informative and efficient. Accessing the benefits post-enrollment is also very straightforward.
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Reliability and Availability
no issues so far
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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.
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Performance
Easy to navigate
Read full review
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.
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Support Rating
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.
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The highlight of my customer support experience was my first interaction with them: I had a small issue with my birthdate, and it was fixed very quickly—on the same day. It's pretty incredible to have things like that sorted out in the same day, which is a rare thing to see lately.
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In-Person Training
No answers on this topic
The trainer went slow and and answered our questions.
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Online Training
super easy to get going
Read full review
No answers on this topic
Implementation Rating
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.
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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!
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Alternatives Considered
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.
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I am not the one who actually changed from Clockify; I am just a Rippling user. But what I can tell you is that I used Clociky for almost a year, and it's the best. Rippling has more features, and those actually impact how the job is done and our daily production.
Read full review
Scalability
we are only using it for one employee but when we hire more, it will be easy to expand already setup
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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.
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Return on Investment
  • 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.
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  • As an individual contributor we have not used Rippling yet in terms of goal calculation and it would be nice to see where I'm at for my bonus payout
  • Many employees are very happy having Rippling compared to their other HR softwares at previous jobs which helps retention
  • Documentation that needs to be signed is much easier to track as opposed to tracking documentation through simple emails
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ScreenShots

Human Interest Screenshots

Screenshot of the Admin Portal - A summary page offers a snapshot of the plan.Screenshot of the Admin Portal - Employee List: See employees at a glance and information such as contribution rate, participation, balance, risk setting, etc.Screenshot of the Employee Dashboard - History View: Employees have the ability to view their YTD contribution amount and account related activity on this page.Screenshot of the Employee Dashboard - History View: Employees have the ability to view their YTD contribution amount and account related activity on this page.

Rippling Screenshots

Screenshot of the Rippling Dashboard: Employees' home for their payroll, benefits, documents, devices, expenses, and apps.Screenshot of Rippling Payroll: Runs payroll in 90 seconds. Pays employees and contractors around the world. Automatic tax filing.Screenshot of Rippling Benefits Administration: For the management of employees' Medical, Dental, Vision, 401K, FSA, HSA, and commuter benefits.Screenshot of Rippling Single Sign-On: Employees can access all of their SaaS apps in one click from their Rippling dashboard.Screenshot of Rippling’s Time & Attendance platform. This integrates with the rest of the product suite so that when employees clock in, their approved hours automatically synced with payroll and accounting systems.Screenshot of Rippling Mobile Device Management: To manage employees' computers and devices 100% remotely.