Third Party Services & Integrations
Pay As You Go Workers Comp, background screening, retirement and insurance are just some of the main third-part integrations we offer. For these services, our partners' systems integrate with the AccuPay ecosystem to make your life easier.
We DO NOT charge you to use these integrations. They are for your convenience, but you pay each provider for the services you use.
Consistently reliable, personable and readily available
E-Comp is our oldest workers comp partner. With their wide network of carriers (over 23), you are guaranteed to get a competitive quote since each carrier is competing for your business.
We have enjoyed E-comp's customer service since we became partners in 2015.
When payroll is processed, the payroll data feeds into E-Comp's billing system, and you are billed for the exact amount based on the payroll.
Also Available from eComp
General Liability insurance: General liability insurance provides coverage for bodily injury and property damage of 3rd parties that occur during the course of your businesses operations or premises.
Commercial Property Insurance: Commercial property insurance provides replacement, repair, or cash value of damaged or destroyed property that occurs due to a covered loss including theft, fire, wind storms, and more. This coverage is often packaged with liability insurance and purchased as a business owners package that also includes replacement for lost business income.
Cyber Liability Insurance: Cyber insurance is a specialty insurance product intended to protect businesses from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities.
Commercial Auto Insurance: Commercial auto insurance protects your business assets and auto property in the event of accidents that occur to vehicles being used for work purposes.
What is Workers Comp?
Workers compensation provides wages and medical benefits in case of an on-the-job injury. In exchange, the employee gives up his or her right to sue the employer for compensation.
We provide Pay As You Go Workers Comp plans where you pay the premium based on your payroll run rather than deposits or upfront payments.
Most states mandate employers to carry workers comp insurance coverage because it protects the employer from potential lawsuits by employees.
Most importantly it also protects employees from abusive employers (companies who fail to provide the right tools and good working conditions for their employees).
How is PAY AS YOU GO Workers Comp Different?
Pay As You Go (PAYG) is the kind of Workers Comp plan that allows you to pay the exact amount of workers compensation premium based on your payroll actual payroll amounts after every pay run. Therefore, PAYG Workers Comp is different and better than the traditional plan since there is no deposit or down payment.
What does that mean?
Well, your premium is calculated on actual payroll hence making audits are also extremely simplified (almost non-existent). Consequently, Pay As You Go Workers Comp saves everyone involved valuable time and money!
Want to learn a little more? See the chart below for a comparison between traditional and Pay As You Go Workers Comp.
Traditional Workers Comp
Pay-As-You-Go Workers Comp
The employer is subject to a minimum of 10-25% of the annual estimated premium
PAYG does not require a deposit or down payment
The annual premium is estimated based on projected payroll for the entire year
Premium is actual. It is calculated on payroll at each pay period.
Traditional workers comp requires actual on site audit (or sending actual reports), documentation and possibly additional premiums could be either due or refunded
Audits are handled internally in most cases. No additional paperwork is needed and there is very minimal adjustments, if any
Pay As You Go Workers Comp Policy Advantages
Comprehensive Background Screening Services
Online employment screening in minutes, not days
Great results in 3 easy steps
Convenient access to high quality reports helps you pick the right applicant so you can get back to work.
Background screening integrated with AccuPay
Hire your employees confidently by first checking their backgrounds without leaving the AccuPay platform.
Simplify your hiring process with our convenient and user-friendly services!
- Includes Sex Offender, Global Homeland Security and Office of Foreign Asset Control database searches
- Individual products billed at quoted price. Prices exclude any pass-through access, or data fees
- Address history from credit headers, utilities etc. Does not determine the eligibility of employees to work in the US. Crosschecks with Social Security Death Index
- Counties listed on Social Security Address Trace. Prices exclude any pass-through access, or data fees
- Certain industries capped at three counties
Additional searches and Drug Testing available upon request. Get more details.
Human Interest 401(k)
Easy for you and Affordable for your Employees
Easy setup and administration
Say goodbye to the manual work of setting up and managing a 401(k). We handle compliance, recordkeeping, and updating employee information every payroll cycle.
“Low-Touch” integration with AccuPay Systems
Human Interest’s integration with AccuPay Systems eliminates the burden of managing a 401(k) by syncing to payroll, processing contributions, and handling employee contribution rates changes.
Unbiased investment advice
Employees can access built-in investment advice with personalized features from an SEC-Registered Investment Advisor. The plan administrator has the option to choose and manage their funds or choose to work with their financial advisor too
Affordable, high-quality investment options
We aim to keep fees low — and transparent — for both employers and employees. Through our platform, employees can access low-cost Vanguard index funds from every major asset class and risk category. We also give access to almost any mutual fund or low-cost index fund available on the open market.
Continuous account management
Human Interest provides ongoing support for administrators and employees through our account management team, and we manage the entire setup process.
Human Interest’s 401(k) includes recordkeeping, compliance services, full account setup, flexible plan design options, and reporting.
Employers who sign up in time can also take advantage of up to $15,0003 in tax credits. One-time $499 setup fee.
Additionally, employee accounts will be assessed4 0.50% of the account balance + 0.07% average fund fees per year, versus industry average fees of 1.89% of account balances.
Plans start at
Find our transparent pricing through this pricing sheet.
Traditional providers vs. Human Interest
Traditional providers have built their business on administering large 401(k) plans. They have not built the technology and automation required to efficiently run small plans.
Human Interest’s fully automated 401(k) plans can be set up online without ongoing administration and at about half the cost of traditional 401(k)s
Ubiquity 401(k) For Small Businesses
401(k) Plans Offered
The 401(k) fast-lane
Express(k) delivers all the essentials of a 401(k) plan in one easy, ready-to-go solution.
Express(k) might be right for you if any or all of these statements ring true:
Your plan, your way
Custom(k) offers the greatest flexibility of options in a plan that’s designed just for your business.
Custom(k) might be a good fit if any or all of this sounds familiar to you:
What you get
Maximum Individual Savings of $19,500 ($26,000 if over 50 - 2020 and 2021)
Suitable for 2 – 100+ Employees
Ability to Borrow From Your Plan (Loan)
Self-Directed Brokerage Option
Ability to Customize Eligibility and Vesting
Roth 401(k) Option (After-Tax Contribution)
New Comparability (Profit-Sharing) Option (see note below)
Human Support When You Need It
Rock-Star Status For Having a 401(k) Plan in Place
NOTE: New Comparability is a type of profit-sharing plan that is designed to maximize the amount contributed to a select group while minimizing the total cost of contributions to employees.
Our retirement plans are built to meet the needs and, perhaps more importantly, the budget of your small business.
Unlike some 401(k) plans, Express(k) and Custom(k) are built on a flat-fee pricing structure. In other words, we don’t make money on the amount of money held in your plan.
What this means to you and your employees is that you won’t pay more in fees just because your plan balance grows. If you put more money away, you should get more out of it.
Number of Employees
Express (k) Monthly Fee
Custom (k) Monthly Fee
2 - 15
16 - 30
31 - 50
51 - 75
76 - 100
NOTES: One-time setup fee of $495.00 applies to both Express(k) and Custom(k) plans
What is a 401(k) Plan
A 401(k) allows you to save for retirement by putting away money on a pre-tax basis, which helps you to lower your taxable income. This means you’ll get less of a tax bite on your annual salary in the short term, while your long-term investments grow tax-free until you’re ready to retire.
Some 401(k) plan providers also offer an after-tax (Roth) option, which means you won’t be taxed at the time you withdraw that money because you’ve already paid taxes on it.
The 401(k) Basics
Contributions (also called “deferrals”) refer to the money put into a 401(k) plan. You can have up to $19,500 (2020 and 2021) deducted from your paycheck and contributed to the plan. If you are age 50 or older, you can contribute an extra $6,500, for a total of $26,000 (2020 and 2021)
Employer match is optional. If the employer chooses to, it is either an all-employees profit-sharing plan or a match to each participant's 401(k) contribution (up to $37,500 in 2020 and $38,500 in 2021). Employer contributions are tax-deferred and tax-deductible.
The maximum contributions allowed per individual (employee and employer) is $57,000 ($58,000 in 2021). If age 50 or older, include your $6,500 catch up). This means if you put away the full $19,500 in individual contributions and $37,500 ($38,500 for 2021) employer contribution
Health insurance & other employee benefits
We provide employee benefit options, Medi-Care, life insurance and retirement services throughout California and several other states. We are devoted to offering the best employee benefit packages for small to large group businesses and the self-employed.
We offer unique business services and concepts to make sure our clientele not only save money but also receive the best possible coverage.
Our ideal customer are:
- Small & large groups needing employee health benefits
- Individuals looking for medical insurance
- Turning 65/Medi-care
- In need of life insurance/disability
- In need of long-term care
- In need of dental, vision and chiropractic insurance
Health insurance for small and large groups
We provide expert advice in making the best decision possible when it comes to health coverage for your business or family. We service all business sizes from small to large groups. We will consult with your business at no charge and will explain all your options and assist in your decision process.Individual and Family plans are available through Covered California and Off Exchange. We are appointed with all carriers to provide you with the best options possible. We also offer Health Sharing, and we are happy to explain this option.
Our team will consult with your business and employees and advise at no cost to help ensure that your employee’s benefits fit your budget and get you the best possible coverage and service.
We offer individual and group disability insurance to help cover expenses when you are to sick or injured to work.
Medi-Care support and coverage
If you are turning 65 or considering retirement and are moving from group coverage to Medi-Care, there are several items to consider that can have an adverse effect on your retirement planning. We have years of experience in guiding our clientele through the A, B, C and even the D’s of Medi-Care.
This could be one of the most important decisions that a person can make for the protection of your family. We offer permanent and term life insurance from only A- rated companies. We offer guaranteed acceptance for group life as well as individual guaranteed acceptance.
We help customers throughout California to help plan for retirement, unemployment, and the unexpected.
Business protection planning
We can help you get policies for business overhead expense, salary expense, mortgage expense, and key-man policy.