A US third-party administrator and a 401(k) technology and fiduciary firm, both of which have recommended Software Home in writing.
Third-party administration, retirement plan design and fiduciary services for financial advisors, wealth managers and businesses of all sizes.
Our work: We built a complex financial application that cut the manual effort in a key financial process.
Read the case studyA technology-based partner and 3(38) fiduciary for advisors with a 401(k) practice, recordkeepers, broker-dealers and RIAs.
Our work: We develop their software that automates revenue management for recordkeepers, TPAs and payroll processors.
Read the case studyPipe spool and pipe system fabrication, with bending, blasting, painting, testing and documentation. Kernersville, North Carolina.
Our team includes professionals with 18+ years of experience in TPA administration, recordkeeping and compliance automation. You spend less time explaining ADP/ACP, true-ups or Form 5500, and more time shipping.
We built KinetiPlan, a TPA operating system with compliance testing, a recordkeeping ledger, payroll intake and billing. You can tour the pilot build before you ever talk to us.
US clients in the 401(k) space have worked with us for years and recommended us to others in the industry. Their reviews are below, in their own words.
We build with synthetic or masked data by default, work inside your environment when you prefer, and touch production only when you grant access.
The systems behind a retirement plan, designed by people who have run them.
Plan and sponsor records, annual administration projects, task queues and deadline tracking for the whole plan year. We model the real year-end cycle: census requests, testing, Form 5500 preparation and sponsor sign-off, with every step owned and dated.
ADP/ACP, top-heavy and coverage testing, plus 402(g) and 415(c) limit checks, with inputs and results you can trace. Calculations are built against worked examples your compliance team agrees, and each result keeps the census rows behind it.
Participant, source and fund ledgers, contribution posting, loans and distributions, and reconciliation. Balances only move through posted, reviewable transactions, so reconciliation to payroll and custodian records stays possible at any point.
Mapping for payroll providers' file exports, validation rules and exception queues before data reaches the ledger. Bad rows are caught at the door: missing hire dates, negative hours, compensation over the annual limit, duplicate SSNs.
Fee schedules, asset-based and per-head billing, invoicing and revenue reporting for recordkeepers, TPAs and advisors. This is work we have done for a US 401(k) consultancy whose clients include recordkeepers, TPAs and payroll processors.
Form 5500 data aggregation, participant and sponsor statements, fee disclosure data, dashboards and audit exports. Reports are generated from the same ledger and testing data, so the numbers a sponsor sees match the numbers you filed.
Two small examples of the logic we build into 401(k) systems. Try them with the sample data.
Illustrative sample data only. Not tax or legal advice.
| # | Employee | Status | SSN | Hire date | Hours | YTD pay | YTD deferral |
|---|---|---|---|---|---|---|---|
| 1 | Ana Rivera | Pending | •••-4417 | 2019-03-04 | 80 | $61,200 | $4,896 |
| 2 | James Chen | Pending | •••-2093 | — | 80 | $54,800 | $3,288 |
| 3 | Maya Patel | Pending | •••-7731 | 2021-07-19 | -8 | $47,350 | $2,841 |
| 4 | Sam Okafor | Pending | •••-5128 | 2012-01-09 | 80 | $410,000 | $18,000 |
| 5 | Dana Kim | Pending | •••-3360 | 2018-05-14 | 80 | $132,000 | $26,000 |
| 6 | Luis Gomez | Pending | •••-8802 | 2023-02-27 | 72 | $58,900 | $2,945 |
| 7 | Ana Rivera | Pending | •••-4417 | 2019-03-04 | 80 | $61,200 | $4,896 |
| 8 | Grace Lee | Pending | •••-6645 | 2020-10-05 | 80 | $88,400 | $7,072 |
Maximum HCE average: the greater of 1.25× the NHCE average, or the lesser of the NHCE average + 2 points and 2× the NHCE average (current-year testing).
The firms that keep 401(k) plans running, and the fintechs building what comes next.
Year-end testing, census chasing, 5500 prep and billing in one system instead of spreadsheets.
Ledgers, contribution processing, reconciliation and data migration between platforms.
Clean 401(k) deferral and match files, plan-rule checks and handoffs to recordkeepers.
Revenue management, advisor tools and new retirement products, built by people who know the domain.
Our 401(k) and TPA expertise, built into a product. KinetiPlan is a TPA operating system for independent US retirement plan administrators, with plans and sponsors, participant census, annual administration projects, compliance testing, the compliance calendar, the recordkeeping ledger, payroll intake and billing in one place.
Two engagements in the clients' own words, and the product we built from what we learned.
The Retirement Advantage, Inc. (TRA), USA
A six-month build of a complex financial application for a US third-party administrator, run on weekly status meetings.
“an elegant and efficient solution that drastically reduced the manual effort required to complete a key financial process”
Development of Expand's software that automates revenue management for recordkeepers, TPAs, payroll processors and other 401(k) firms. Referred to us by the CEO of a US 401(k) recordkeeper.
“pleasantly surprised by the worked product and 401k industry domain knowledge”
Built and run by Software Home
Plans and sponsors, census, annual projects, compliance testing, the compliance calendar, the recordkeeping ledger, payroll intake and billing in one product for independent US TPAs.
A simple, transparent engagement built on iterative delivery, with the checks a finance system needs.
We learn your plan types, data flows, compliance rules and constraints, and agree what success looks like.
Developers, QA, business analysis and support who already understand retirement plan data.
Short cycles with working software, weekly status calls and test evidence for every calculation.
Maintenance and support that plans for peak seasons like year-end testing and 5500 deadlines.
Retirement plan data includes SSNs, compensation and balances. We treat it that way from the first day of a project.
Development and testing use synthetic or masked data, so real participant SSNs and balances never sit on a laptop.
Least-privilege accounts, time-limited support access and an audit trail. Production access only when you grant it.
We can build and run inside your own AWS or Azure account, including US regions, under your security policies.
KinetiPlan follows SOC 2-aligned practices with US data residency. See how.
Yes. Our team includes professionals with 18+ years of experience in TPA administration, recordkeeping and compliance automation. We built KinetiPlan, a TPA operating system for US retirement plan administrators, and we have delivered software for US firms in the 401(k) space, including a TPA and a 401(k) revenue management consultancy.
Census and payroll intake, nondiscrimination testing (ADP/ACP, top-heavy, coverage), annual limit checks, recordkeeping ledgers and reconciliation, corrections, fee billing, Form 5500 data aggregation, statements and the compliance calendar.
Our engineering team is in Narayanganj, Bangladesh. US clients work with us through scheduled weekly status calls, a shared backlog and written updates, as the reviews on this page describe.
Yes. We build and test with synthetic or masked data by default. If production access is ever needed, it happens inside your environment, with accounts you control and revoke.
Send us a short description of the project. We set up a discovery call, agree a first milestone, and propose either a dedicated team or a fixed-scope project.
No. We also build web, mobile and other finance software. Retirement plans and fintech are where our team's domain experience is deepest.
We went to Software Home with a large project that had a tight deadline and Rashed and his team put together a detailed plan and timeline, pulled their resources together, and delivered everything on time for us. Communication was great throughout the project and delivery, quickly rectifying any minor issues that came up. They are a great partner to work with.
Working with Rashed and the Software Home team for the last 6-months to complete a complex financial application proved to be a very positive experience. His commitment to an effective communications strategy that focused on weekly meetings ensured that all parties agreed with the project status along the way. My interaction with the development team demonstrated a willingness to communicate openly and honestly in a very timely manner without pretense. Issues were clearly defined along with their required resolutions, result in an elegant and efficient solution that drastically reduced the manual effort required to complete a key financial process. Rashed and his team clearly demonstrate an excellent understanding of the third party administration industry. I look forward to working with Rashed and Software Home as we continue to implement technology solutions that enhance our financial operations.
I am Vincent Dellarocca, CFO of Expand Financial LLC, USA. We are consulting to 401k based in the USA. The significant part of our product offering is a complex software solution we develop that automates Revenue Management operations for our clients. Our clients include Recordkeepers, TPAs, Payroll Processors and entities in 401k & benefits space. Software-Home was referred to us by John M. Humphrey, President & CEO of July Business Services which is a 401k Recordkeeper in the US as a solution for Software Development we are looking for to complete. Also, our CEO Greg Bakke worked with Rashed, CEO of Software-Home about 9 years back for few Software Development projects. So, we knew Rashed & Software-Home will be a great match for our needs. We have been working on the current project with Software-Home for about six months. We are very happy with the quality of software delivery and support provided by Rashed & his team. I can honestly say that we have been pleasantly surprised by the worked product and 401k industry domain knowledge and team overall spirit and responsibility. If you are looking for a development resource to automate your complex financial software solutions with an efficiency scale and a great attitude, I highly recommend that you contact Rashed & Software-Home.
