Integrate with Human Interest

Human Interest provides affordable, full-service 401(k) plans for small and medium businesses with zero transaction fees. 

The Gusto and Human Interest integration syncs your payroll and employee contributions and simplifies 401(k) administration. There's no additional cost to integrate your Gusto and Human Interest accounts. 

If your company already offers a 401(k) through another provider, you have two options:

Set up a Human Interest 401(k) plan

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. Select Human Interest 401(k). You will be redirected to Human Interest's website, where you can either set up a new plan or transfer your existing plan to 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.

Connect to Gusto from Human Interest

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.

FAQs

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. 

Need more help?

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]
  • (855) 622-7824, extension 1.
  • You can also call your company’s assigned Client Relationship Manager.

Employees: