Enterprise 401(k) Plan Management System
Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation.
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
Illustrative preview (sample data, not verified outcomes): AI Agent Orchestration for 401(k) plan analysis showing Compliance Agent, Investment Agent, and Fee Analyzer Agent with completion status, real-time agent logs displaying ADP/ACP nondiscrimination test calculations, HCE/NHCE deferral percentages, and IRC 401(k)(3) compliance verification with confidence scores
Illustrative preview (sample data, not verified outcomes): Executive Summary displaying comprehensive AI-driven fiduciary analysis outcome with $47K potential annual savings identified, key findings across compliance status, investment performance, and fee optimization, risk assessment summary showing 14/100 risk score with 87/100 plan health score and 0.8% litigation probability
Illustrative preview (sample data, not verified outcomes): Compliance Command Center with 100% compliance score and 8/8 ERISA tests passed, displaying ADP Nondiscrimination Test results with HCE/NHCE spread analysis, ACP Test for matching contributions, Top-Heavy Test, IRC 415 Contribution Limits, Coverage Test, and ERISA 404(c) compliance verification with regulatory citations
Illustrative preview (sample data, not verified outcomes): Fee Benchmarking Analysis comparing $253,000 total annual cost against 827 peer plans, showing fee categories including Investment Advisory, Recordkeeping, and Investment Expenses with percentile rankings, AI-powered analysis identifying $46,800/year potential savings and recommending fee negotiation strategies
AI Agents
Specialized autonomous agents working in coordination
Compliance Agent
401(k) plans must pass annual nondiscrimination tests (ADP/ACP/Top-Heavy) and meet filing deadlines—failures result in corrective distributions, excise taxes, and plan disqualification risk.
Core Logic
Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Prepares retirement-plan testing inputs and draft findings for authorized administrators. Configure current contribution limits, testing rules and filing deadlines for the relevant plan year. Qualified reviewers validate calculations and draft filings before submission.
Investment Agent
Fiduciaries must monitor fund performance against benchmarks—underperforming funds create litigation risk, but analysis across dozens of funds with multi-year data is complex.
Core Logic
Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Numerical examples are scenario inputs or illustrative outputs, not validated performance results. Evaluates fund performance using Morningstar benchmarks with 3-year, 5-year, and 10-year return comparisons. Calculates Sharpe ratios for risk-adjusted returns, identifies underperformers trailing benchmarks by >1%, and recommends replacement funds with lower expense ratios and better performance. Documents committee decisions for fiduciary protection.
Fee Analyzer Agent
ERISA requires fees to be 'reasonable'—but determining reasonableness requires benchmarking against peer plans. Excessive fees are the leading cause of 401(k) litigation.
Core Logic
Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Benchmarks all fee categories against database of 827 peer plans (similar size/industry). Calculates total plan cost in basis points, determines peer percentile ranking, and identifies savings opportunities. Generates negotiation strategies including fee reduction letters and RFP templates.
Participant Agent
Plan success depends on participant outcomes—but identifying at-risk participants and designing effective interventions requires analyzing engagement patterns across hundreds of individuals.
Core Logic
Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Segments participants using K-means clustering (k=4) by engagement level: High/Medium/Low/At-Risk. Analyzes deferral rates, login activity, investment changes, and retirement projections. Identifies non-participants leaving employer match on the table and participants with inadequate savings. Designs targeted campaigns with projected enrollment lift and deferral increases.
Fiduciary Orchestrator Agent
Synthesizing findings from compliance, investment, fee, and participant agents into prioritized recommendations requires holistic risk assessment and executive-ready deliverables.
Core Logic
Illustrative workflow design. Validate capabilities, performance, controls and integration requirements before implementation. Coordinates all specialist agents and synthesizes findings into unified recommendations. Calculates weighted fiduciary risk score (0-100) across five categories: Investment Selection, Fee Reasonableness, Regulatory Compliance, Documentation, and Participant Outcomes. Generates prioritized action plans, executive summaries, committee materials, and audit trails demonstrating prudent fiduciary process.
Worker Overview
Technical specifications, architecture, and interface preview
System Overview
Technical documentation
Tech Stack
5 technologies
Architecture Diagram
System flow visualization