50+ SECURE 2.0 provisions. 12+ compliance tests per plan. Filing deadlines that never stop. 80+ agents that handle all of it — so your team focuses on clients, not checklists.
Evidence-first. Protocol-native. Built for firms that carry fiduciary responsibility.
80+ agents · 8 interoperability protocols · 20 deployment waves · Historical Data Vault · Parallel Run Migration · Full Data Portability
80+ intelligent agents coordinate across 20 waves through 8 protocols: connect your data, run deterministic tests, apply evidence-sealed corrections, file with deadline tracking, and seal every action for posterity.
See how ARCNAT transforms retirement plan administration from stressful to seamless.
One formula error = plan disqualification risk. Hours of manual ADP/ACP calculations.
$250/day late penalty for Form 5500. One missed PBGC premium = personal liability.
Manual column mapping. Missing data. 3-week collection cycle per plan.
25% excise tax on missed distributions. Participant lawsuits for late or incorrect RMDs.
VCP submission = $3,500+ user fee + 6-month IRS queue. Missed self-correction window.
Late contribution exposure. DOL penalty risk. No visibility until statement arrives.
Sound familiar? There's a better way.
End-to-end flow: from data connection to sealed evidence. Click any step for details.
8 interoperability protocols govern every agent interaction. This is infrastructure no competitor has — and the reason ARCNAT is an operating system, not an application.
MCP
Universal data and tool bus for all agent access
A2A
Structured inter-agent communication and coordination
ANP
Agent registry, discovery, and health monitoring
AG-UI
Real-time agent streaming to every user interface
AGORA
Natural language orchestration of agent workflows
Eclipse LMOS
Transport-agnostic integration layer (REST, SFTP, SOAP)
AP2
Autonomous financial transaction execution
OASF
Agent capability publication and marketplace
To build the operating standard for autonomous retirement plan administration — where every compliance test is deterministic, every correction is evidence-sealed, every filing is deadline-guaranteed, and every fiduciary action is defensible in perpetuity.
Every calculation is replayable. Every result is verifiable. No approximations, no manual overrides, no ambiguity.
Every agent action is bounded by plan document authority, sealed with cryptographic evidence, and auditable by any examiner.
80+ intelligent agents across 20 waves that never miss a deadline, never forget a SECURE 2.0 provision, and never stop watching your plan book.
Every plan is someone's retirement
Behind every ADP test is a person counting on that 401(k). Our agents treat every calculation as if a family's security depends on it — because it does.
Compliance failures have real consequences
A missed RMD is a 25% excise tax. A late 5500 is $250/day. An operational failure can mean plan disqualification. Our agents prevent failures before they occur.
Your expertise should drive growth, not administration
The average TPA spends 60% of staff time on routine administration. ARCNAT's agent network handles the routine, so your team handles the complex, high-value work that builds client relationships.
SECURE 2.0 deadlines don't wait
50+ provisions with staggered effective dates through 2029. Auto-enrollment mandates. Roth catch-up changes. LTPT eligibility tracking. Every quarter brings new requirements. ARCNAT's Compliance Agent tracks every provision across every plan — so nothing falls through the cracks while your team focuses on client service.
Every service is powered by specialized agents that coordinate through standardized protocols.
Eligibility, vesting, enrollment, and contribution management — powered by Eligibility, Vesting, Match, and Profit Sharing agents that execute continuously.
ADP/ACP, top-heavy, coverage, 415, 401(a)(4), and DB testing — 12 specialized compliance agents with the Test Projection Agent for mid-year risk assessment.
Plan documents, amendments, restatements, notices — Document and Amendment agents track every SECURE 2.0 provision and every remedial amendment cycle.
AGORA-powered natural language queries. Ask questions in English, receive charts and narratives. 50+ standard reports plus ad hoc query builder.
Distributions, loans, QDROs, RMDs, force-outs — the Transaction Orchestrator coordinates 8+ agents for every participant transaction.
Filing Calendar Agent maintains real-time master deadline calendar. Auto-escalation. Zero missed filings across your entire plan book.
Event-driven triggers, intelligent task assignment, SLA monitoring — autonomous work orchestration that launches, assigns, and tracks without staff intervention.
30+ integrations via Eclipse LMOS transport-agnostic adapters. Add a new recordkeeper with one adapter — zero changes to business logic.
Knowledge Q&A Agent with curated ERISA/IRC knowledge base. Immediate, well-cited answers. Escalation to human experts when needed.
SECURE 2.0 introduced the most significant retirement plan legislation since PPA 2006. Over 50 provisions with staggered effective dates through 2029. Most TPA firms are tracking these in spreadsheets. ARCNAT tracks them autonomously.
The SECURE 2.0 Compliance Agent maintains a live compliance matrix for every plan in your book. Every provision, every effective date, every required action — tracked and surfaced automatically.
When a provision reaches its effective date, the Amendment Agent identifies affected plans, drafts the amendment language, creates projects with deadlines, and routes to the Document Orchestrator — before you even check.
Plans that haven't implemented required provisions (auto-enrollment mandates, Roth catch-up for HCEs earning $145K+, LTPT tracking) are flagged and routed to the Failure Detection Agent for correction case creation.
Every test is deterministic. Every correction is evidence-sealed. When the DOL examiner arrives, your audit trail is a cryptographically-verified, time-stamped record of every action.
Census collection in 3 days instead of 3 weeks. Compliance testing in 2 hours instead of 40. Form 5500 assembly is 90% complete before plan year ends.
The Failure Detection Agent catches operational errors within the payroll period. Self-correct within 9.5 months for zero cost — versus a $3,500+ VCP submission.
Add 50 plans to your book without adding staff. Agents handle the routine volume; your team handles the relationships and complex cases.
The Knowledge Q&A Agent has your firm's accumulated expertise. Staff turnover doesn't mean knowledge loss.
Sponsors see agent work streaming live. Staff see every agent's action in real time. Auditors see a sealed, tamper-evident timeline.
Whether you're a 5-person shop or a 200-person firm, ARCNAT's agent network scales to your book. 3(16) fiduciary services tier available for firms that need autonomous fiduciary execution.
Offer your advisory clients a compliance-first administration platform that complements your investment capabilities and strengthens your value proposition.
See your plan's compliance status, census data quality, and filing deadlines in real-time through the sponsor portal. AGORA-powered assistant surfaces what matters now.
DOL investigations, IRS audits, and PBGC examinations require defensible records. ARCNAT's evidence-sealed audit trail is the strongest defensible record in the industry.
Firms that provide documents and administration as a combined service need seamless version lineage, amendment tracking, and restatement cycle management. ARCNAT's Document Intelligence agents handle adoption agreements, SPDs, and SECURE 2.0 amendments with full provenance — so your documents are always in sync with your operations.
Built for firms that carry real responsibility
Every TPA firm is different. We map the agent topology to your specific plan book, your compliance complexity, and your service model.
Switching platforms is not abandoning software — it's risking years of regulatory history. We built four safeguards so you never have to choose between moving forward and protecting what you've built.
Bring your entire regulatory history — 5, 10, 20 years of prior filings, test results, corrections, and distributions. Imported from PensionPro, ftwilliam, ASC, Relius, or manual records. Every record validated, sealed, and available for audit response.
Run ARCNAT alongside your current system for a full plan cycle. Compare every compliance test result, every 5500 draft, every calculation. Promote to live only when you're satisfied — with a sealed Zero-Loss Validation Report as proof.
The system automatically generates a sealed evidence bundle proving zero data loss between your prior system and ARCNAT. Last vault snapshot compared to first active snapshot — every participant, every dollar accounted for.
Export your complete plan data at any time in open, non-proprietary formats (CSV, JSON, PDF). Automated periodic escrow to your own storage. If you ever decide to leave, you leave with everything. No lock-in, ever.
Traditional TPA software was built for a world with 5 compliance tests and 1 filing deadline. Today you face 50+ SECURE 2.0 provisions, 12+ compliance tests per plan, a regulatory environment that changes quarterly, and filing seasons that require 50 concurrent filings converging on the same deadline window.
Static software requires staff to remember what to do and when. An autonomous operating system does the remembering, the testing, the correcting, and the filing — while your team does the thinking. It handles 50-plan filing seasons with batch orchestration, SLA heatmaps, and automatic capacity planning. It monitors every integration connector for silent failures. It calculates PBGC premiums and IRC §430 funding obligations for your DB plans.
The question is not which TPA software to buy. The question is whether your firm operates with software or with an operating system.
Multi-tenant isolation. AES-256-GCM encryption. RBAC/ABAC policy engine. Every agent request permissioned through the MCP layer.
Every compliance test, every distribution, every filing — cryptographically sealed with SHA-256 hash, time-stamped, and stored in tamper-evident ledger.
System Health Agent monitors all 80+ agents across 5 tiers. Auto-recovery. Degraded service detection. Post-incident review.
Ask any question about your plan book in plain English. Receive charts, tables, and narratives synthesized from real-time agent data.
Every agent action that constitutes a fiduciary act is pre-authorized against the plan's fiduciary authority matrix. No agent exceeds its authority.
8 interoperability protocols (MCP, A2A, ANP, AG-UI, AGORA, Eclipse LMOS, AP2, OASF) — not features bolted onto a legacy system.
RPO <5 minutes. RTO <1 hour. Multi-region replication. Evidence bundle triple redundancy. Your fiduciary obligations survive any infrastructure failure.
SOC 2 Type I/II attestation roadmap. Annual penetration testing. 72-hour breach notification. HSM key management with BYOK option. Zero vendor lock-in.
Full plan export in open schema at any time. Post-termination data access. Code escrow with defined release triggers. Complete lock-in elimination.
80+
Specialized agents
8
Interoperability protocols
12
Compliance test types
50+
SECURE 2.0 provisions tracked
0
Missed deadlines
<2h
Compliance testing time
Every filing season, your team manually coordinates 50+ concurrent filings against the same deadline window. Every SECURE 2.0 provision adds another spreadsheet row to track. Every staff departure takes institutional knowledge with it. Every audit request triggers weeks of document assembly. This is the cost of operating with static software in a 2026 regulatory environment.
ARCNAT replaces PensionPro + ftwilliam + ASC/Relius with a single operating system — and it brings your entire regulatory history with it through the Historical Data Vault. No data left behind. No parallel systems to maintain. No lock-in.
We provide architecture briefs, not sales pitches. We'll walk you through the agent topology, protocol stack, and how it maps to your specific plan book — including a migration assessment for your current systems.
No sales scripts. No generic demos. Just a technical walkthrough tailored to your firm.