Solution
For TPAs, plan administrators, and benefits compliance teams: payroll and recordkeeper data reconciled every pay period, so testing failures surface mid-year instead of at year-end.
The problem
Census and contribution data go unreconciled until testing season, when ADP/ACP failures mean corrective distributions landing on unhappy executives.
Census lives in payroll, contributions live with the recordkeeper. Match errors and missed enrollments hide in the gap between them.
A Form 5500 audit means hunting test results, census files, and corrections across email threads and spreadsheets.
The product, not a promise
How it works
Pull in Form 5500 filings, payroll files, plan documents, and recordkeeper data in whatever format they arrive.
Match census data from payroll against contribution data from the recordkeeper, pay period by pay period.
Forecast ADP/ACP testing outcomes mid-year instead of discovering failures after the plan year closes.
Route match errors, missed enrollments, and loan defaults to a reviewer with the source evidence attached.
Keep every test result, census file, and correction in one searchable, auditor-ready record.
Who it's for
Plan administrator
Retirement practice leader
ERISA counsel / auditor
401(k) administration usually runs on an annual look-back. Census data sits in payroll, contribution data sits with the recordkeeper, and nobody reconciles the two until year-end — when non-discrimination test failures are expensive to fix and corrective distributions land on unhappy executives. The 401(k) Compliance Extractor replaces that cycle with agents that read the plan’s actual paperwork continuously.
The agents ingest Form 5500 filings, payroll exports, HRIS records, plan documents, and recordkeeper statements. From these they maintain a live census — hours worked, compensation definitions, deferral changes, HCE and Key Employee status — and validate every contribution against the rules in the plan document itself. Employer match is recalculated per pay period, so over- and underpayments surface immediately rather than at audit. Eligibility tracking runs on the same data: when an employee crosses the plan’s age and service thresholds, the system raises an alert, closing the gap that produces “lost opportunity” corrections for missed enrollments.
Because the census stays current, ADP/ACP testing outcomes can be forecast mid-year. Teams see a likely failure while there is still time to adjust deferral strategy, and when a correction is needed, the system models QNECs against refunds so the remediation choice is made on cost, not guesswork. Every proposed correction goes to a human for approval before anything moves.
A retirement plan’s tax-qualified status rides on being able to show your work. Every extracted figure is cited to its source page in the original filing or payroll file, and testing results, census snapshots, and plan amendments live in one permanent, searchable archive. A Form 5500 audit becomes a read-only review of pre-organized evidence instead of a multi-week hunt through email and spreadsheets.
Objections, answered
Every figure — a deferral amount, an hours total, a match calculation — is cited to its source page in the original filing or payroll file. Discrepancies are flagged with that evidence attached, and nothing corrects itself: a named reviewer approves every action.
Validation runs against the rules in your plan document itself — compensation definitions, match formulas, eligibility thresholds — so a nonstandard provision is read and enforced the same way a reviewer would enforce it.
Testing results, census snapshots, corrections, and plan amendments live in one permanent, searchable archive. Auditors review pre-organized evidence with the citations already in place, so the engagement is a read-through, not a document hunt.
The agents read the files you already produce — 5500s, payroll exports, recordkeeper statements — so there is no data migration. Most teams start with one plan's reconciliation and expand from there.
Watch the agents reconcile a real census against recordkeeper data and forecast the test — live, with every figure cited.
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