Enterprise 401(k) Plan Management System
## The Solution Five coordinated AI agents perform comprehensive plan analysis—compliance testing, investment monitoring, fee benchmarking, participant segmentation, and fiduciary risk assessment—generating actionable recommendations with audit trails that demonstrate prudent fiduciary process..
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
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
Performs comprehensive compliance testing per IRC 401(k)(3). Calculates HCE/NHCE deferral percentages for ADP testing, matching contribution ratios for ACP testing, and key employee ratios for top-heavy determination. Validates contribution limits against IRC 415(c) ($69,000) and 402(g) ($23,000). Tracks Form 5500 deadlines and prepares draft filings with 100% confidence.
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
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
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
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
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