The first Compliance-First ERP for the 401(k) industry. Automating eligibility testing, vesting calculations, and auto-enrollment with transactional precision.
The 2022 SECURE 2.0 Act introduced 90+ retirement provisions. We automate the hard ones.
New plans must auto-enroll at 3% minimum, escalating 1% annually to 10%. The system tracks every participant's escalation schedule.
Employees with 500+ hours for 2 consecutive years now qualify. We track hours across payroll periods automatically.
Ages 60-63 get enhanced catch-up limits. The system adjusts contribution caps based on participant birthdate.
Required Minimum Distribution age moved to 73 (2023) and 75 (2033). We calculate and notify automatically.
Employers can now match student loan payments as if they were 401(k) contributions. We track both.
New penalty-free emergency withdrawal rules. System enforces $1,000 limit and 3-year repayment tracking.
From payroll data to compliance certification in four automated steps.
Ingest hours, wages, deferrals
Calculate who qualifies
ADP/ACP, Top-Heavy, Coverage
Audit-ready documentation
Everything a TPA or plan sponsor needs to stay compliant.
Enterprise-grade infrastructure for financial compliance.