Human Interest operates a 401(k) retirement plan service that works as follows: Tax-Deferred Investment: Employees contribute a portion of their salary into a 401(k) account, which is invested in the market. Employer Sponsorship: Plans must be sponsored by an employer, offering potential tax benefits and employer contributions. Plan Management: Human Interest manages all aspects of the 401(k), including compliance and IRS paperwork, making it easy for businesses to offer retirement benefits to their employees.