RETIREMENT TECHNOLOGY FOR INDEPENDENT TPAs

Bring retirement workflows into one clearer picture.

Explore a connected approach to 401(k) administration and recordkeeping—designed around the daily work of independent TPAs, from contribution intake and exception review to reconciliation and reporting.

Discuss a focused pilot →See the pilot build

✓ Built around TPA operating needs✓ Customer-hosted is a design priority✓ Human-reviewed AI assistance

KinetiPlan operations dashboard showing plans in view, review exceptions, reconciliation rate, active participants, contribution processing activity, plan type distribution, and recent activity

Operations overview from the KinetiPlan pilot build · synthetic demo data

Connected workflowsBring administration and recordkeeping closer together

Operational visibilityMake exceptions and next actions easier to see

Customer controlPlan hosting, access, and operating responsibilities up front

SEE IT WORKING

The pilot build is already running.

KinetiPlan’s pilot build runs core TPA work in one place today: plans and sponsors, participant census, annual administration projects, nondiscrimination testing, the compliance calendar, the recordkeeping ledger, payroll intake and billing. These screens come from the pilot demo environment, which uses synthetic data only.

Compliance testing screen showing ADP/ACP, 410(b), top-heavy, 402(g) and 415(c) results for each plan

Compliance testingADP/ACP, 410(b), top-heavy, 402(g) and 415(c) on each plan’s census

Recordkeeping ledger with pooled trust balance, pending ACH settlement batches, discrepancy alerts and audit-traceable transactions

Recordkeeping ledgerPooled trust ledger, ACH settlement and a discrepancy queue

Annual administration projects on a board grouped by status with owners, priorities and due dates

Annual administrationProjects by status with owners, priorities and due dates

Tour the pilot build →Request a live walkthrough

ONE OPERATING PICTURE

From plan setup to reconciliation.

Instead of treating each task as a separate island, KinetiPlan’s product direction connects core TPA work across plan data, participant records, contributions, compliance, billing, and stakeholder portals.

◈

Plan administration

Plan setup, participant events, eligibility and recurring administrative workflows.

Explore administration → ▤

Recordkeeping & ledger

Participant accounts, transaction history, balances, and reconciliation workflows.

Explore recordkeeping → ⇄

Contributions & payroll

Intake, validation, exception resolution, allocation, and posting workflow concepts.

Explore contributions → ✓

ADP/ACP testing, 402(g) and Form 5500 deadlines

Run ADP/ACP, 402(g) and 415(c) checks, and track Form 5500 / 8955-SSA and corrective-distribution deadlines for every plan.

See regulatory tasks → ＄

Billing & proposals

Connect service information with fee preparation and proposal workflows.

Explore billing → ⌘

Employer & participant experiences

Make key information and actions more accessible to the people you serve.

Explore portals →

FROM INTAKE TO EVIDENCE

One connected operating journey.

A practical view of how contribution work could move through a controlled process. Each step has a clear purpose, owner, and review point. This is an illustrative workflow—not a claim of production readiness.

01Receive

Bring in payroll and contribution data from an agreed source.

02Validate

Check required fields, plan rules, and expected totals.

03Resolve

Route exceptions to authorized staff with context.

04Post

Apply approved transactions under controlled permissions.

05Reconcile

Compare source and posted totals and retain evidence.

Explore the workflow library →

✳

PRACTICAL AI. ACCOUNTABLE OPERATIONS.

Help people work smarter.
Keep control explicit.

AI can be useful for summarizing exceptions, finding workflow context, drafting routine communications, or making documentation easier to navigate. Calculations, approvals, money movement, and consequential updates require deterministic rules and appropriate human authorization.

Read our AI principles →

✓ Human review for consequential actions

✓ Defined permissions and approval boundaries

✓ Traceable data and workflow history

✓ No AI claims beyond validated capabilities

A REALISTIC PATH TO ADOPTION

Start where the value is clearest.

TPAs should not need to commit to a full platform replacement before the fit is understood. The intended product direction supports discovery around a focused workflow, integration boundaries, and a phased migration plan.

Administration-first

Explore selected administration workflows while retaining an existing recordkeeper, subject to technical feasibility.

Narrow pilot scope

Integrated platform

Evaluate a longer-term move toward connected administration and recordkeeping, with parallel validation gates.

Phased adoption

Customer-hosted model

Define infrastructure, access, backups, updates, support access, and responsibilities before production deployment.

Shared responsibility

See the proposed migration approach →

A FOCUSED WAY TO EXPLORE FIT

A pilot plan built around evidence, not promises.

Start with one workflow and agree what needs to be proven before expanding scope. The proposed evaluation is designed to make assumptions, dependencies, and acceptance criteria visible from the beginning.

Explore the pilot approach →

Pilot scope and availability are subject to discovery, technical feasibility, and mutual agreement.

Define the boundary

Select one process, map systems and roles, and agree what is in and out of scope.

Test with safe data

Use approved sample or de-identified data with documented scenarios and review steps.

Decide with evidence

Review results, exceptions, control gaps, and the conditions for any next phase.

BUILT FOR A SERIOUS CONVERSATION

Show us the operational bottleneck.

We want early conversations to be concrete: which workflow is painful, what systems it touches, what a successful pilot would prove, and which controls are non-negotiable.

Choose one workflow and define its boundaries.
Map data sources, outputs, roles, and exceptions.
Agree on acceptance tests and reconciliation criteria.
Decide what must be proven before any live data is used.

Pilot planning snapshotIllustrative example · not a live product screen

DISCOVERY

Choose one workflowContribution intake, validation, or reconciliation

✓

Agree success measuresAccuracy, exception handling, traceability

✓

Validate with test dataDocument outcomes before any live use

Human reviewDefined acceptance criteriaControlled scope

FORM 5500 FILING

Direct EFAST2 Electronic Filing for Form 5500

Skip the export-and-upload step. KinetiPlan generates Form 5500 and the schedules a plan needs, flags validation anomalies before anything is sent, routes the filing to the plan sponsor for electronic signature, and transmits it directly to EFAST2 once your team approves.

See how direct filing works →Form 5500 data aggregation

GenerateCore Form 5500 and required schedules, such as A, SB or H, built from plan, census, ledger and testing records.
ValidateAnomalies tracked and resolved on the filing before review.
ApprovePreparer review and peer review act as explicit approval gates.
SignElectronic signature routing to the plan sponsor or administrator.
TransmitSent directly to EFAST2, with status tracked on the plan year's project.

LIVE CAPACITY SIMULATOR

See what your own numbers say.

Move the sliders to match your practice. The simulator shows how many staff hours, how much labor capacity and how many additional plans your current team could absorb if the manual parts of plan administration took less time. Every result comes from the assumptions you enter. Nothing is sent anywhere.

Your current setup

Practice size:

Your practice Plans administered Loaded staff cost per hour Productive hours per staff member a year Share of the year's work in Jan to Apr

Manual hours per plan per year Payroll file intake and fixes Census scrub and eligibility Testing data prep Form 5500 data gathering Other work per plan, not affected

Your key assumption Time removed from the manual work above Annual software cost to compare

Both are your estimates, not KinetiPlan results or pricing. A pilot is how you would measure the real number for your plans.

Estimated net annual savings

$0+0% ROI

Hours saved a year0

Capacity gain (staff)0

Software cost$0

Current vs released capacityManual Released

Labor capacity value a year$0

More plans, same team0

Hours released in Jan to Apr0

Monthly workloadToday With the change

Total hours a year: 0 today, 0 with the change.

Where the hours come from

Test these numbers in a pilot →

Illustrative only. The monthly view spreads your Jan to Apr share evenly over those four months and the rest over the other eight. Results are not a quote, a guarantee or a measured KinetiPlan outcome. See the operations ROI estimator for a per-batch view.

TPA COMPLIANCE SANDBOX

Run a quick compliance check right here.

Screen an ADP or ACP result, or check one participant's annual additions against Section 415(c), without leaving the page. These are preliminary screens on averages and entered amounts, not certified tests.

Sandbox

ADP nondiscrimination test

Current status✓ Passed

Maximum HCE allowed5.00%

NHCE averageHCE averageModeled limit

Headroom+0.00 pts

Test typeADP (deferrals)

Action neededNone

Test focus

NHCE group average HCE group average

Limit modeled as the greater of 1.25× the NHCE average, or the lesser of 2× the NHCE average and the NHCE average plus 2 points. Participant-level data, prior-year testing, permitted methods and safe harbor status can change results. Open the full ADP/ACP estimator →

DEVELOPED BY SOFTWARE HOME

Built by a team that already works in 401(k).

KinetiPlan is designed and developed by Software Home, a software development company that builds dedicated teams for financial and retirement-industry clients. Its 401(k) and TPA work includes record-keeping solutions, revenue management automation for 401(k) service providers and complex financial applications for US administrators.

401(k), TPA and record-keeping solutions are a core service line
Dedicated teams of developers, UI/UX, QA, business analysis and support
Agile delivery with short iterations and long-term technical support
Based in Narayanganj, Bangladesh, working with US clients

Visit Software Home →How this site is hosted

What Software Home brings to KinetiPlan

Hands-on 401(k) and TPA domain work: record-keeping solutions, revenue management automation for 401(k) service providers and complex financial applications for US administrators.

Industry experienceFrom Software Home's own service lines

A full delivery team behind the product: developers, UI/UX, QA, business analysis and technical support, working in short, visible iterations.

Delivery modelAgile approach, iterative delivery, long-term support

Read client feedback on Software Home's development work at software-home.net.

START WITH ONE WORKFLOW

Let’s define a credible first step.

Discuss your TPA model, current technology stack, integration needs, and what a measurable pilot would need to prove.

Request a conversation →