The retirement landscape is under pressure: 56 million Americans lack access to a workplace plan, while growing businesses often view benefits as costly and cumbersome. This gap in savings access could drive a $1.3 trillion economic burden over the next 20 years. While banking and trading have become more accessible through automation, legacy retirement providers remain outdated, relying on manual, inefficient processes. Human Interest is reimagining retirement plans through technology – making 401(k)s simple, affordable, and efficient for SMBs and franchise operators. This panel brings together forward-thinking employers to explore how transparency, automation, and smart fee structures are reinventing the industry, helping reduce turnover, attract talent, and strengthen long-term financial security.