401(k) Deductions Right from Payroll
Simplify 401(k) Connectivity
Automate the flow. Eliminate the friction. Keep every retirement plan connection seamless and secure.
You’re constantly chasing down updates, double-checking contribution amounts, and trying to keep payroll and plan data aligned — all while staying ahead of eligibility changes and IRS limits. You know one small oversight can snowball into corrections, employee questions, and compliance issues that drain your time and attention.
84%
84% of retirement plans have at least one likely fiduciary or regulatory "red flag" violation.
53%
53% of companies have incurred payroll penalties in the past five years.
$7 Billion
$7 billion in penalties are collected annually from payroll errors in the U.S alone.
Smarter Connections for 401(k) Plans
Connect Your Way
Flexible connection options built for any system or provider.
- Supports both API and SFTP integration methods.
- Works with multiple payroll and plan provider systems.
- Deploys quickly with minimal IT effort or disruption.
Automatic Plan Rule Enforcement
Compliance, Handled Automatically
Built-in rules keep every transaction aligned with plan and IRS limits.
- Tracks contribution caps and eligibility criteria in real time.
- Prevents disallowed or excess contributions before they occur.
- Minimizes compliance risk and manual review time.
Flawless Data in Every Transaction
Accuracy You Can Count On
Ensure every contribution and deduction is correct the first time.
- Standardize payroll and deduction data so information stays consistent across every pay cycle.
- Reduce manual adjustments by ensuring employees’ pay, rates, and deduction rules are always current.
- Maintain accurate records with structured employee profiles that minimize data-entry errors.
Real-Time Payroll to Plan Automation
Automated Data Exchange
Real-time connectivity keeps payroll and retirement systems in perfect sync.
- Always-on data transfer between payroll and 401(k) systems.
- Removes the need for manual file uploads and downloads.
- Keeps contribution and deduction data current every pay cycle.
What Our Clients Say About Us
We looked at other systems but the flexibility PrimePay offered — and the user-friendliness — made it the obvious choice,...
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Frequently Asked Questions
What is a 401(k) connection to payroll software?
A 401(k) connection to payroll software is an automated data link that syncs payroll information—such as employee eligibility, contribution amounts, and deduction changes—directly with a company’s 401(k) plan provider. It ensures both systems stay aligned in real time without manual file uploads or data entry.
How does a 401(k) connection to payroll software benefit businesses?
It reduces compliance risks, improves accuracy, and saves time by standardizing and automating how retirement plan data flows between systems. Businesses gain fewer errors, fewer penalties, and smoother payroll cycles because contribution caps, eligibility rules, and IRS limits are enforced automatically.
Can a 401(k) connection to payroll software cut down on manual work?
Absolutely. Automated payroll-to-plan connectivity eliminates manual data handling, file transfers, and repetitive verification work. It keeps contributions, deductions, and employee information updated instantly—which dramatically reduces corrections, administrative burden, and the chance of costly mistakes.