Integrate with Human Interest

You must have Full Access admin permissions in Gusto to set up the integration. 

1. Sign in to your Gusto admin account.
2. Go to the Benefits tab.
3. Under "Financial Health," click Traditional or Roth 401(k)
4. The next step depends on whether you're setting up a new plan or integrating a plan you already offer:
   • To set up a new 401(k), find Human Interest and click See pricing plans.
   • To integrate your existing 401(k) with Guideline, scroll down and click Add existing plan. Select Human Interest.

The new 401(k) benefit will appear in the Benefits section of your Gusto admin account after the plan's start date. Once the plan starts, you can view enrollment and contribution data in Gusto. You may see limited information before your plan’s start date. 

Important: Employee elections will sync to Gusto a few days before your plan's first check date. Contact Human Interest if you have questions about this timeline.

Once you've set up a 401(k) for your company with Human Interest (or transferred your company's previous 401(k) to Human Interest), follow these steps to integrate the benefit with your Gusto payroll.

1. Sign in to your Human Interest admin account.
2. Under “Integrations” on the right side of the page, click Connect to Gusto.
3. Enter your Gusto admin credentials and click Sign in. 
4. Select the account(s) you’re connecting to Human Interest and click Authorize.
5. You’ll be redirected to Human Interest. If the connection was successful, a checkmark appears next to Gusto in the “Integrations” tile. 

To manage your 401(k), change contributions, or review plan settings, always do so in Human Interest. Any changes you make there will sync to your Gusto payroll. Once you run payroll, you can find a record of all contributions processed by pay date and employee on the Contributions tab of your Human Interest dashboard.

After you set up an integration between Gusto and your 401(k) provider, you can view your plan details in Gusto after the plan's start date. If you have questions about your plan or need to make changes, contact your provider directly.

1. Sign in to your Gusto admin account.
2. Click the Benefits tab.
3. Under "Active Benefits," click Human Interest 401(k).
4. Use the tabs at the top of the page to navigate 401(k) plan information.
   • Overview: Plan information and current account balance.
   • Employees: Enrollment details.
   • Contribution History: Year-to-date and per payroll history.

To view Human Interest deductions and contributions, run a payroll journal in your admin account.

Running payroll after the plan's start date

After the plan's start date, running payroll in Gusto will automatically deduct employee contributions and record company contributions. The day after the check date, Human Interest debits the company for both the employee deductions and company contributions. Human Interest invests the funds in employees’ 401(k)s the following day. If you have questions about debits or plan funds, contact Human Interest.

Troubleshoot missing payroll deductions

There are a few reasons why there may not be payroll deductions:

• Your plan may not have started yet—check your Human Interest account to confirm the start date.
• The employee may not yet be eligible for the benefit per your plan's eligibility settings.
• The employee has not enrolled.
• Your company may have run payroll before the enrollment or deduction change was processed. 
• Taxes are applied before deductions. The employee may have had $0 in net pay after taxes.
• Reimbursements are not eligible for 401(k) deductions. 
• The employee may have reached the IRS annual contribution limit. Once they do, the 401(k) is no longer listed in the employee's Gusto account—refer to your Human Interest account or the year-to-date tax summary to confirm. 

New hires 

Whenever you hire someone in Gusto, their info automatically syncs to Human Interest. Once they fulfill any eligibility requirements (such as a new hire waiting period), Human Interest invites them to enroll and their deductions will be automatically added to payroll.

If contributions have not started for a new hire: They may not be eligible to enroll yet, or they may have enrolled after payroll was processed

Dismissals

The dismissal date automatically syncs to Human Interest. After their last day of eligibility, Human Interest will send the employee their options to roll over their 401k to another provider or maintain it with Human Interest.

Regular 401(k) contributions will be made on a dismissal payroll.

Note: Severance payments are not eligible for 401(k) deductions. You must use the Gusto-provided severance earnings type to automatically block deductions and contributions for severance payments. 

Change contributions or policy settings

Reach out to Human Interest to change any of your company's policy settings. 

Important: Changing the company match for a specific payroll is not permitted per 401(k) plan policies. The company match cannot be blocked on any payroll, including off-cycle payrolls.

Loans 

If your plan allows participants to request loans, employees can reach out to Human Interest to apply.  Once the employee reaches the repayment stage of the loan, Human Interest will notify them with instructions. If Human Interest collects the repayment through payroll deductions, the employee can expect to see post-tax loan deductions on their paystubs. Refer to the terms of your loan or contact Human Interest to confirm your repayment method. 

Payroll data not syncing

In order for payroll data to sync, Gusto must be set as your payroll provider in Human Interest. If you’ve changed your payroll provider since starting your 401(k), contact Human Interest to update it.

Q: Does Human Interest support CalSavers, OregonSaves, etc.?

A: Yes, Human Interest has plans that support state requirements. Contact Human Interest to learn more

Q: Can I change an employee’s deductions on a past payroll?

A: No—only a participant can change their contribution rate, and any change will only be effective on future payrolls. Click here for steps for an employee to change their contribution rate.

Q: Can employees make 401(k) contributions for prior years?

A: No. Contributions to the 401(k) plan can only begin after the effective date on the plan document and must be made in the plan year in which they apply. 

Some company owners may be able make a one-time year-end contribution prior to their end-of-year filing deadline. See this resource or contact Human Interest for more information. 

Q: If I enter Human Interest 401(k) benefits on a non-Gusto payroll, will Human Interest debit my account?

A: In most cases, yes. If you are entering a non-Gusto payroll with Human Interest contributions that do not need to be debited, contact Human Interest before processing the non-Gusto payroll.

Q: Why was my employee’s paycheck missing 401(k) benefits?

A: Please see "Troubleshoot missing payroll deductions" for more information.

Q: I have a question about a notification in my Human Interest portal. Who should I contact?

A: Contact Human Interest for more information. 

Q: I have a question about an employee’s enrollment or an election synced to Gusto. Who should I contact?

A: Contact Human Interest for more information. 

Q: I have a question about plan funds. Who should I contact?

A: Contact Human Interest to discuss plan funds or debits for plan funds. 

Gusto and Human Interest work together to help you manage your plan. Here’s how Gusto and Human Interest can help.

When to contact Gusto 

Contact Gusto for questions about:

• 401(k) calculations on payroll
• Why 401k deductions were not applied
• Payroll corrections with Human Interest 401(k)

Examples:

• “How was my employee’s 401k deduction calculated?”
• “Why weren’t there deductions on my employee’s check?”
• “My employee was overpaid and I need to reverse their payroll.”

When to contact Human Interest

Contact Human Interest for questions about:

• Your 401k plan
• Syncing benefits to Gusto
• Plan funds, including debits
• Employee eligibility
• Changes to your 401k plan

Examples:

•  “When does our plan begin?”
• “Our company set up a new Human Interest plan. When can I expect our benefits to reflect in Gusto?”
• “My employee enrolled but their benefits have not synced to Gusto yet. When will their benefits sync?”
• “My employee updated their elections in Human Interest. When will the new amounts sync to Gusto?”'
• “Why was I debited this amount for 401k funds?”
• “When can my new hire enroll?”
• “We would like to update the employer match” 

How to contact Human Interest

Admins:

• [email protected]
  • If you do not yet have a Human Interest account, email [email protected].
• (855) 622-7824, extension 1.
• You can also call your company’s assigned Client Relationship Manager.

Employees:

• Email [email protected] or call (855) 622-7824, extension 2.