TPA owners and CEOs
See plan counts, open exceptions, overdue work and staff load in one view, and grow the book without adding the same number of people.
FOR INDEPENDENT US TPAs
401(k) administration software for independent TPAs.
KinetiPlan brings payroll and census intake, exception review, the recordkeeping ledger, nondiscrimination testing, deadlines, Form 5500 filing and billing into one system built for independent US third-party administrators, and deployed in infrastructure you control.
KINETIPLAN AT A GLANCE
The short answer
- What it is
- Integrated 401(k) administration and recordkeeping software. Today it is a working pilot build that runs on synthetic demo data; it is not yet generally available.
- Who it serves
- Independent US third-party administrators (TPAs): owners, operations managers, plan administrators and the IT leads who support them.
- What it replaces
- The mix of testing software, spreadsheets, recordkeeper portals, email and calendars most TPAs stitch together by hand.
- How it works
- Payroll and census files are uploaded as CSV, checked by deterministic rules, routed to an exception queue, then posted to a pooled trust ledger that feeds testing, deadlines, Form 5500 and billing.
- Deployment
- Customer-hosted: in your own AWS account in a US region of your choice, or on-premise. Responsibilities are agreed in writing per customer.
- Limits today
- No live payroll or custodian connections (CSV upload only), no money movement, AI features planned only, no security certifications. KinetiPlan follows SOC 2-aligned practices; it has no SOC 2 report.
THE PROBLEM
Most independent TPAs run on five systems and a spreadsheet.
An independent TPA practice typically keeps plan provisions in one place, runs nondiscrimination testing in another, receives payroll files by email, checks contributions in spreadsheets, tracks deadlines in a shared calendar and prepares Form 5500 in yet another tool. Each hand-off is a chance to re-key data, lose an exception or miss a date.
The cost shows up in predictable places: a February crunch while census files are cleaned, ADP/ACP failures found after the March 15 corrective-distribution window, Form 5500 data that does not match the testing data, and senior staff spending their time chasing files instead of reviewing results.
KinetiPlan is designed to remove those hand-offs by keeping the plan, its census, its payroll history, its ledger and its deadlines in one data model, so each step uses the output of the previous one.
WHO IT IS FOR
Built for the people who run a TPA practice.
Operations managers
Route payroll and census exceptions to owners with due dates, and see what is blocked before a deadline slips.
Plan administrators and consultants
Work from one plan record: census, payroll batches, test results, projects and filings, without re-keying between tools.
IT and security leads
Deploy in infrastructure you control, with a written shared-responsibility model and SOC 2-aligned practices.
HOW IT WORKS
From payroll file to filed Form 5500, in one connected flow.
Set up the plan once
Plan type, plan number, effective date, plan year end, recordkeeper and advisor live on one plan record that every later step reads from.
Upload census and payroll files
CSV exports from ADP, Paychex, Gusto or a generic layout are validated against the plan census at upload. Missing dates of birth, duplicate IDs and deferrals larger than pay are caught before anything posts.
Resolve exceptions in a queue
Rows that fail a rule go to an exception queue with the reason. Staff approve or dismiss with notes, and the decision stays in the audit trail.
Post to the ledger
Validated contributions post to a pooled trust ledger with ACH settlement batches and a discrepancy queue, so balances are traceable to the source file.
Test and track deadlines
ADP/ACP, 410(b), top-heavy, 402(g) and 415(c) results are calculated per plan, and each plan's regulatory deadlines appear on a compliance calendar.
File and bill
Form 5500 is generated from the same plan data and filed directly with EFAST2 after explicit human approval and sponsor e-signature. Fee schedules drive proposals and invoices.
WHAT IS DIFFERENT
Four design choices that matter to a TPA.
Administration and recordkeeping together
One data model for plan administration and the participant ledger. See integrated administration and recordkeeping.
Customer-hosted by design
Runs in your AWS account in a US region you choose, or on-premise. See customer-hosted deployment.
Rules, not guesses
Statutory limits such as 402(g) and 415(c) run as deterministic code with visible inputs. Planned AI features are read-only and never change a ledger balance.
Built from TPA work
Workflows were designed by people with 18+ years in TPA operations, starting from the exceptions and deadlines that cause the most rework.
FEATURES AND LIMITATIONS
What runs today and what is still proposed.
We would rather you know the boundaries before a demo than after it.
| Capability | Status | Notes |
|---|---|---|
| Plans, sponsors, participant census, annual projects | Pilot build | Working with synthetic data. |
| Payroll intake (ADP, Paychex, Gusto, generic CSV) with census validation | Pilot build | CSV upload only; no live payroll connections. |
| Pooled trust ledger, ACH settlement batches, discrepancy queue | Pilot build | Records money movement; KinetiPlan does not move money. |
| ADP/ACP, 410(b), top-heavy, 402(g), 415(c) testing | Pilot build | Results are for review by qualified staff. Not a certified testing engine. |
| Compliance calendar per plan, .ics export | Pilot build | Prior, current and next plan years. |
| Form 5500 generation and direct EFAST2 filing | In KinetiPlan | Human approval gate and sponsor e-signature routing before transmission. |
| Billing, fee proposals, invoices, reports, JSON API | Pilot build | Billing records payments; it does not process them. |
| RMD alerts, force-out workflow, override log | Proposed | Candidate pilot scope, defined against your plan documents. |
| AI assistance (summaries, drafting, search) | Planned | Read-only by design; never changes ledger balances. |
FAQ
Frequently asked questions
What is 401(k) administration software?
Software a TPA uses to run plan administration: census and payroll intake, eligibility, contribution checks, nondiscrimination testing, deadline tracking, Form 5500 preparation and client billing. Some products also include participant recordkeeping; KinetiPlan includes both in one system.
Is KinetiPlan available now?
KinetiPlan is a working pilot build that runs on synthetic demo data. It is offered to independent TPAs through scoped pilots, not as a generally available product. See how a pilot works.
Does KinetiPlan replace our recordkeeper?
It can act as the recordkeeping system of record for plans where the TPA keeps the ledger, and it records ACH settlement batches. It does not move money and does not connect live to custodians today; external records are imported and reconciled.
Which payroll providers does it support?
Payroll arrives as uploaded CSV exports in ADP, Paychex, Gusto or a generic layout. There are no live payroll integrations today.
Does it have SOC 2?
No. KinetiPlan follows SOC 2-aligned practices but has no SOC 2 report or other certification. Customer data in production is hosted in the customer's environment on AWS in the USA or on-premise.
How do I see it?
Book a 15-minute live demo, or try the free calculators first.
BOOK A LIVE DEMO
See it on a workflow you know.
A 15-minute walkthrough of the pilot build with synthetic data, focused on the process you pick. No slides required.