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.
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.
The next time you run payroll, employee contributions are automatically deducted from payroll and company contributions are automatically applied.
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.
Missing payroll deductions
There are a few reasons why there may not be payroll deductions:
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 haven't started yet for a new hire, they may not yet be eligible to enroll per your company's plan settings. This could also be because the new hire enrolled after your payroll admin already ran payroll for the pay period.
Dismissals
An employee's dismissal date automatically syncs to Human Interest. After their last day of eligibility, Human Interest will send the employee will their options to roll over their 401(k) to another provider or maintain it with Human Interest.
Change contributions or policy settings
Reach out to Human Interest to change any of your company's policy settings.
Changing the company match for a specific payroll: this is not supported per 401(k) plan policies. The company match must be applied to all payrolls that are subject to contributions.
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.
Admins: contact Human Interest directly at [email protected] or 855-622-7824, extension 1. You can also call your company’s assigned Client Relationship Manager. If you don’t yet have a Human Interest account, you can email [email protected].
Employees: email [email protected] or call 855-622-7824, extension 2.