10x the plans.
Same team.
TPA admins cap out at 70–100 plans — not from lack of skill, but because the work is manual. Equate removes that ceiling, automating compliance to 10× their capacity.
Backed by 40+ years in recordkeeping, TPA, and investment management
- 70–100
- Plans per admin today
- 10×
- More plans per admin
- 7
- Compliance tests, one click
- Zero
- Manual data entry
The constraint
Growth has meant hiring
In retirement plan administration, one person can manage ~70–100 plans — not because of skill, but because the work is manual.
Census files get reformatted. Payroll is reconciled by hand. Compliance tests run in spreadsheets. Form 5500s are assembled line by line.
Every new client adds the same work. Growth means hiring — and margins get squeezed.
Your team isn't the constraint — the workflow is.
The unlock
Growth without hiring
Equate automates the annual compliance cycle end to end — from payroll-to-recordkeeping reconciliation through testing and Form 5500 prep.
Instead of stitching workflows together, everything runs in one guided system.
Your administrators stop doing spreadsheet work — and get back to plan design, exceptions, and client service.
AI-powered workflows
How you go from 100 plans to 1,000
Manual workflows — not headcount — are what limit capacity. Equate gives your team a guided workflow — automating the heavy lifting while keeping you in control.
Guided Throughout
Every step surfaces what matters — with suggestions you can review, accept, or override.
Reconciliation, Without the Grind
Census, payroll, and trust are aligned automatically — discrepancies surfaced with clear next steps.
One Workflow, All Tests
ADP/ACP, top-heavy, and coverage run together — no spreadsheets, no separate processes.
Built for Sign-Off
Every number is traceable, explained, and ready for review — so you can approve with confidence.
From Data to Filing
Outputs flow directly into your reports and 5500 workpapers — no rekeying, no handoffs.
This is how one administrator manages 10× the plans — without the spreadsheets.
The workflow
From census upload to filed reports — in one flow
Most plans go from upload to reports in minutes.
Reconcile payroll to trust
Equate aligns census, payroll, and trust data automatically — surfacing discrepancies with suggested fixes.
ER Safe Harbor — coded to ER Match in trust
94% confidenceMove $9,600 from ER Match to Safe Harbor source in trust to align with plan provisions.
ER Match — trust exceeds census by $2,150
87% confidenceLate Q4 remittance not captured in census. Accept census figure or update to trust value.
Run the full compliance package
All required tests and Form 5500 prep run in one click.
Running compliance tests
6/7 completeReview, sign off, and deliver
Approve findings, then download client-ready reports — all from one place.
Reports ready to deliver
Plan year ending Dec 31, 2024
Compliance Package
7/7 tests passed · 14 pp
Form 5500 Counts
Participant counts · 8 pp
Form 5500 XML
EFAST2 submission · .xml
Audit & Verification Report
Full sign-off trail · 10 pp
Why choose Equate
“We built the tool we always wished existed.”
— The Equate team, 40+ years in recordkeeping, TPA & investment management
We know what the annual compliance cycle actually costs — in time, errors, and missed growth. Equate is purpose-built to solve it end to end. Spend less time on busywork. Spend more time on client service.