401(k) Compliance Extractor
Extract, validate, and monitor 401(k) plan details from filings and records with full audit traceability.
Challenges
401(k) administration breaks when reliance on annual look-backs hides compliance failures until it is too late to fix them cheaply. Continuous monitoring is required to navigate complex IRS/DOL regulations and avoid costly penalties.
Data Disconnects
Census data lives in payroll, while contribution data lives with the recordkeeper. Manually reconciling these disparate sources creates gaps in eligibility tracking and match calculations.
Reactive Testing Failures
Non-discrimination tests (ADP/ACP) are often run only after year-end. Late discovery of failures forces awkward corrective distributions and refunds to unhappy executives.
Eligibility Oversights
Tracking entry dates and hours worked for part-time employees is prone to human error. Missed enrollments lead to expensive "lost opportunity" corrections and potential disqualification.
Audit Scrambles
Form 5500 audits require gathering evidence from scattered emails and spreadsheets. The lack of a centralized compliance record turns routine audits into disruptive, multi-week fire drills.
What Defines Us
Modernizing retirement plan operations with intelligent automation that turns static payroll data into real-time compliance insights.
AI-Powered Compliance Monitoring for Accuracy and Scale
Deploy intelligent agents to continuously ingest and reconcile data between payroll systems, HRIS, and plan recordkeepers. The system autonomously tracks hours worked, compensation definitions, and deferral changes to maintain a real-time, accurate census of Highly Compensated Employees (HCEs) and Key Employees.
Ensure plan integrity through automated validation that tests every contribution against plan document rules. The platform handles exceptions by flagging potential match errors or loan defaults immediately for review. Beyond monitoring, the solution delivers intelligence by forecasting testing outcomes mid-year, allowing teams to adjust strategies proactively rather than reacting to failures after the plan year closes.
Continuous, Accurate Plan Testing – Zero Manual Spreadsheets
Replace annual fire drills with "always-on" compliance monitoring. Achieve the visibility required to protect the plan's tax-qualified status and reduce administrative liability.
elimination of year-end testing surprises
reduction in Form 5500 audit prep time
traceability of corrective actions
See Compliance Extraction in Action
Explore how plan filings, payroll data, and participant records are automatically reconciled — every figure and finding linked to its original document source.
Simulate Corrections
Model the cost impact of QNECs (Qualified Non-Elective Contributions) versus refunds to determine the best remediation strategy before acting.
Automate Eligibility Tracking
Receive instant notifications when employees meet age and service requirements to ensure timely enrollment.
Centralize Audit Evidence
Maintain a permanent, searchable archive of all testing results, census files, and plan amendments for instant auditor access.
Verify Match Calculations
Automatically recalculate every employer match on a per-pay-period basis to detect and fix over/underpayments instantly.
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Get the answers you need
Find clarity on our solutions, capabilities, and how we can support your business.
Form 5500 is an annual report required by the DOL and IRS for employee benefit plans, including 401(k)s, to disclose financial and operational details. The extractor automates its ingestion and validation to ensure accurate, timely compliance.
It ingests and cross-verifies data from Form 5500s, payroll files, plan documents, and participant records, flagging discrepancies like late remittances for quick resolution.
Yes, every data point includes source-level traceability, version tracking, and secure archiving to support regulatory audits and internal reviews.
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