卖什么
The 401(k) for small and medium-sized businesses.
商业模式拆解
买家：谁掌握预算？
未核实Business owner / HR or finance lead choosing the company 401(k).
触发点：什么让他们现在购买？
Employer wants to offer a 401(k) without compliance workload; tax credits and fiduciary liability concerns.
工作流：什么输入变成什么输出？
Employer designs plan, connects payroll (600+ integrations) and bank account; Human Interest syncs employee data, processes contributions, selects fund lineup, approves loans/distributions, and provides tax credit calculations.
经济账：省了什么，怎么收费？
Monthly base plus per-eligible-employee fees, plus asset-based fees: 0.05% recordkeeping/custody and 0.01% (3(38)) or 0.018% (3(21)) advisory fee.
渠道：怎么接触到客户？
Online self-serve get-started plus partner channel (accountants/advisors, payroll integrations).
融资历史与报道
| 融资日期 | 轮次 | 金额 | 投资方 | 来源 |
|---|---|---|---|---|
| — | YC 2015 夏季 | — | Y Combinator | ycombinator.com |
档案汇总自公开报道和公司官网。商业模式部分是 MaxBC 对这些材料的解读，不是已确认的事实；未知之处留空，不作猜测。 更新于 2026-10-12.