Complete 401K Automation
& Compliance Platform
Accelerate your time to market with comprehensive
401K automation, seamless compliance management,
and rapid 8-week deployment
401K automation, seamless compliance management,
and rapid 8-week deployment
Full Customization
Full Automation
deployment timeline8-week
Cost Reduction85%
Plan Sponsor Satisfaction93%
Integration endpoints200+
SECURE Act 2.0 Mandatory Compliance
SECURE Act 2.0 Transforms
the $8.4 Billion 401K Market
Mandatory Requirements Effective January 1, 2025
Auto-Enrollment Required
All new 401(k) and 403(b) plans must automatically enroll eligible employees at 3-10% contribution rates
Plan disqualification and tax penalties for non-compliance
Auto-Escalation Mandated
Automatic annual increase in contribution rates to at least 10% but no more than 15% total contribution
DOL enforcement actions and fiduciary liability
Enhanced Reporting
Additional participant outcome reporting requirements with detailed compliance documentation
DOL audits and potential significant fines
Jan 1, 2025
Compliance Deadline
$8.4B
401K Market Size
Critical Compliance and Operational Challenges
Complete SECURE Act 2.0
Compliance Platform
SECURE 2.0 Compliance
Full automation of all SECURE Act 2.0 requirements
- Auto-enrollment automation (3-10%)
- Auto-escalation management (10-15%)
- Emergency savings integration
- Enhanced reporting automation
- Continuous compliance monitoring
Achieve full SECURE Act 2.0 compliance automatically
Plan Administration
Complete automation of compliance testing and reporting
- Automated nondiscrimination testing
- Document management automation
- Audit trail generation
- Regulatory reporting system
- Fiduciary oversight tools
Reduce administrative burden by 78%
Real-Time Monitoring
24/7 monitoring with automated alerts and reporting
- Real-time compliance dashboards
- Automated alert system
- Exception reporting
- Predictive analytics
- Performance metrics
Proactive compliance management
Participant Portal
Modern portals with educational tools and self-service
- Mobile-first responsive design
- Self-service enrollment
- Personalized educational content
- Goal-based retirement planning
- Automated communication
Increase participant engagement by 65%
Platform Customizations
Extensive customization options for branding and workflows
- Complete white-label customization
- Configurable workflows
- Custom branding and themes
- Role-specific interfaces
- Flexible business rule engine
Tailor the platform to match your unique business requirements
Emergency Savings
Integrated emergency savings per SECURE Act requirements
- Roth-style emergency accounts
- Automatic contribution matching
- $2,500 balance management
- Withdrawal processing
- Tax compliance integration
Offer innovative benefits while maintaining compliance
Open API Architecture
Comprehensive integration platform with extensive API suite
- 200+ RESTful API endpoints
- Real-time data feeds
- HR system connectivity
- Benefits platform integration
- Custom development support
Integrate seamlessly with any existing technology infrastructure
Multi-Custodian Support
Integration with 25+ major custodians
- 25+ custodian connections
- Automated trade reconciliation
- Settlement processing automation
- Performance reporting
- Asset movement tracking
Maintain custody relationships with 85% efficiency gain
Why ETNA Leads
401K Automation
| Feature | ETNA | Guideline | Human Interest | Betterment | Schwab |
| SECURE Act 2.0 | Complete automation of all requirements | Partial compliance requiring manual processes | Basic compliance with limited automation | No comprehensive SECURE 2.0 offering | Partial compliance requiring manual oversight |
| API Integration | 200+ APIs with full documentation | Limited API access with restricted functionality | Basic API with significant limitations | Minimal API capabilities for integration | Traditional APIs with legacy limitations |
| Customization | Complete white-label customization | Limited branding options | Basic customization with restrictions | Minimal customization capabilities | Limited customization due to legacy architecture |
| Automation Level | 85% operational automation | 40% automation requiring manual oversight | 35% automation with administrative burden | 25% automation focused on investment only | 30% automation limited by legacy systems |
| Deployment | 8 weeks to full automation | 12-16 weeks with ongoing manual setup | 10-14 weeks with limited automation | 6-12 weeks but incomplete functionality | 16-24 weeks due to complex legacy requirements |
| Schedule Demo |
93%
Plan Sponsor Satisfaction
85%
Cost Reduction
78%
Efficiency Improvement
Achieve Full Compliance
in 8 Weeks
Compliance Assessment & Planning
Weeks 1-2
Activities
- Complete compliance gap analysis
- SECURE Act 2.0 requirement mapping
- Integration architecture planning
- Compliance timeline development
Deliverables
- Detailed compliance assessment report
- Implementation roadmap and timeline
- Technical integration plan
System Integration & Configuration
Weeks 3-4
Activities
- Payroll system integration deployment
- Auto-enrollment configuration (3-10%)
- Auto-escalation rule implementation (10-15%)
- Emergency savings account setup
Deliverables
- Live payroll integration systems
- Configured automation rules
- Emergency savings capabilities
Automation Testing & Validation
Weeks 5-6
Activities
- End-to-end compliance testing
- Automation workflow validation
- Participant portal testing
- Regulatory reporting verification
Deliverables
- Validated compliance automation
- Tested participant workflows
- Verified reporting capabilities
Go-Live & Compliance Monitoring
Weeks 7-8
Activities
- Production environment deployment
- Staff training and certification
- Participant communication launch
- Real-time compliance monitoring
Deliverables
- Fully operational compliant system
- Trained administrative team
- Active compliance monitoring
Ready to Automate Your 401K Operations?
Transform your operations with complete automation. Get your free automation assessment and discover how to deploy in just 8 weeks.
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