Automating a key financial process for a US TPA
The Retirement Advantage, Inc. (TRA), USA
an elegant and efficient solution that drastically reduced the manual effort required to complete a key financial processRead the case study
US retirement technology · 401(k) software engineering
Engineering the Future of US Retirement Technology
Specialized 401(k) software engineering, administration automation and recordkeeping solutions for America’s retirement industry.
Engineering for US retirement firms
The Retirement Advantage, Inc. US TPA
Expand Financial LLC 401(k) revenue management
KinetiPlan our product
Industry expertise
A retirement technology company, not a generic outsourcing agency
Software Home builds software for one industry in depth: US defined contribution plans, and the TPAs, recordkeepers and fintechs that run them.
401(k) systems fail in specific ways. A deferral posted to the wrong money source. A census that silently drops a rehire. A test run on the wrong compensation definition. A balance that cannot be traced to a transaction. Our team includes people who spent years inside TPA administration and recordkeeping, so these risks shape the software from the first design session.
About Software Home- What we are
- A Bangladesh-based US retirement technology and 401(k) software engineering company.
- Who we build for
- Independent US TPAs, retirement plan administration firms, 401(k) recordkeepers, retirement fintechs and US financial technology businesses.
- What we build
- Administration and recordkeeping software, compliance testing automation, contribution and payroll processing, portals, integrations, modernization and AI-assisted workflows.
- Domain depth
- Professionals with 18+ years in TPA administration, recordkeeping and compliance automation.
- Own product
- KinetiPlan, a customer-hosted 401(k) administration and recordkeeping platform for independent TPAs.
Core solutions
Software for every stage of the plan year
From payroll file to Form 5500, we build the systems that keep 401(k) plans accurate, compliant and on schedule.
401(k) Administration Software
Plan and sponsor records, annual administration projects, task queues and deadline tracking for the full plan year, with every step owned and dated.
Explore 401(k) Administration SoftwareRecordkeeping Systems
Participant ledgers by money source and fund, contribution posting, loans, distributions, valuation and reconciliation to payroll, trust and custodian records.
Explore Recordkeeping SystemsCompliance Automation
ADP/ACP, 410(b) coverage, top-heavy, 402(g) and 415(c) testing that traces every result back to the census rows behind it.
Explore Compliance AutomationRetirement Plan Processing
Payroll and census intake, contribution mapping by source, validation rules and exception queues before anything reaches the ledger.
Explore Retirement Plan ProcessingTPA Software Engineering
Workflow, billing, proposal and reporting software designed around how independent TPA practices actually run.
Explore TPA Software EngineeringFinancial Technology Integration
APIs and file feeds between payroll providers, recordkeepers, custodians, administration systems and your own products.
Explore Financial Technology IntegrationAlso: FIS Relius integration and modernization · legacy system modernization · custom retirement software · 401(k) software development
Technology capabilities
Built for money, rules and audit trails
Retirement software moves participant money and has to prove every number. Our engineering choices start from that.
Architecture
Domain models built around plans, sources, participants and plan years. Modular services where they help, a well-structured monolith where it is simpler.
APIs
Documented JSON APIs for plan, participant and transaction data, with versioning, idempotent posting and clear error responses for partners.
Integrations
Payroll exports, recordkeeper and custodian files, SFTP drops and partner APIs, mapped once and validated on every run.
Data processing
Batch and event-driven pipelines for census, contributions and trades, with row-level validation, exception queues and replayable history.
Security
Least-privilege access, encryption in transit and at rest, audit trails, synthetic or masked data in development, and a team that is background-checked, NDA-bound and security-trained.
Deployment
Customer-hosted in your own AWS or Azure account, including US regions, or on-premise, with automated builds, tested releases and rollback plans.
Flagship product
KinetiPlan: 401(k) administration and recordkeeping for independent TPAs
KinetiPlan is Software Home’s own product: a dedicated, customer-hosted platform that brings plan administration, the participant ledger, payroll intake, compliance testing and billing into one system.
- Plan and sponsor administrationPilot build
- Participant census and directoriesPilot build
- Payroll and contribution intakePilot build
- Pooled trust ledger and reconciliationPilot build
- ADP/ACP, 410(b), top-heavy, 402(g), 415(c)Pilot build
- Billing and proposal generationPilot build
- Compliance calendar and projectsPilot build
- Employer and participant portalsProduct scope
- SECURE 2.0 payroll rulesProposed
- AI assistance (read-only)Planned
KinetiPlan is a working pilot build with synthetic demo data, offered through scoped pilots. Status labels follow the product’s own site.
Experience and expertise
Retirement domain experience, engineering leadership and delivery
The numbers below are Software Home’s own and are kept current by the company.
10+team members across engineering, QA, analysis and support
18+years of TPA administration experience in the team
35clients served
110+projects delivered
Technical leadership
Software Home is led by its founder and CEO, Abdullah al Rashed, a Certified Scrum Product Owner with 18 years in the US retirement industry. He has personally run the company’s US 401(k) engagements, including the work for The Retirement Advantage and Expand Financial.
Retirement industry experience
Delivered software for a US third-party administrator and a 401(k) revenue management firm whose clients include recordkeepers, TPAs and payroll processors. Built KinetiPlan from that experience.
Delivery capability
Plans, timelines and weekly status meetings that clients describe in their own words, with test evidence for every calculation and support planned around plan-year peaks.
Development approach
From discovery to long-term support
A clear path for software that handles participant money and compliance results.
Discovery
Plan types, data flows, rules, constraints and what success looks like, agreed in writing.
Architecture
Domain model, integration map, security model and hosting plan reviewed with your team.
Development
Short iterations with working software, weekly calls and a shared backlog you can see.
Testing
Worked examples your compliance team signs off, regression suites and reconciliation checks.
Deployment
Automated, repeatable releases into your environment, with parallel runs where money is involved.
Support
Maintenance and seasonal cover for year-end testing, 5500 deadlines and annual limit changes.
Why Software Home
Specialists you do not have to teach the basics
Specialized domain knowledge
Our team includes professionals with 18+ years in TPA administration, recordkeeping and compliance automation. You spend less time explaining true-ups, money sources or Form 5500, and more time shipping.
Engineering flexibility
A dedicated team for a long roadmap, a fixed-scope project for a defined system, or a support retainer for live software. You choose the model; it can change as you grow.
US market understanding
We build for US plan rules, US deadlines and US client expectations: weekly status calls, a shared backlog, written updates and test evidence for every calculation.
Long-term partnership
Support planned around year-end testing and filing seasons. Expand Financial's CEO first worked with our CEO years before their current project, and came back.
Case studies and demonstrations
Proven with US 401(k) firms
Two client engagements described in the clients’ own words, the product we built, and small examples of the logic we put into 401(k) systems.
Revenue management software for the 401(k) industry
Expand Financial LLC, USA
pleasantly surprised by the worked product and 401k industry domain knowledgeRead the case study
KinetiPlan pilot build
Designed, built and run by Software Home
Plans and sponsors, census, testing, the compliance calendar, the trust ledger, payroll intake and billing in one product, shown with synthetic data.
Tour the pilot buildSee how we think about plan data
Two small, working examples of the rules we build into 401(k) systems. Run the payroll check to see exceptions held at the door, or move the sliders to see how the ADP test limit responds.
- Payroll rows are validated before they reach the ledger
- Every exception names the field and the reason
- Test results show the numbers behind them
More free tools on the KinetiPlan site: ADP/ACP estimator, 415(c) checker, census validation and more.
| # | Employee | SSN | Hire date | Hours | YTD pay | YTD deferral | Status |
|---|---|---|---|---|---|---|---|
| 1 | Ana Rivera | •••-4417 | 2019-03-04 | 80 | $61,200 | $4,896 | Pending |
| 2 | James Chen | •••-2093 | — | 80 | $54,800 | $3,288 | Pending |
| 3 | Maya Patel | •••-7731 | 2021-07-19 | -8 | $47,350 | $2,841 | Pending |
| 4 | Sam Okafor | •••-5128 | 2012-01-09 | 80 | $410,000 | $18,000 | Pending |
| 5 | Dana Kim | •••-3360 | 2018-05-14 | 80 | $132,000 | $26,000 | Pending |
| 6 | Luis Gomez | •••-8802 | 2023-02-27 | 72 | $58,900 | $2,945 | Pending |
| 7 | Ana Rivera | •••-4417 | 2019-03-04 | 80 | $61,200 | $4,896 | Pending |
| 8 | Grace Lee | •••-6645 | 2020-10-05 | 80 | $88,400 | $7,072 | Pending |
8 rows waiting for validation. Checks use 2026 IRS limits: $24,500 elective deferrals (402(g)) and $360,000 compensation (401(a)(17)).
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.
Illustrative sample data only. Not tax or legal advice.
Client voices
What US 401(k) clients say
In their own words, shortened in places.
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.
Mark RuhlandDirector of IT and Security, The Retirement Advantage, Inc.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.
Bill GableFinancial Systems Analyst, The Retirement Advantage, Inc.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.
Vincent DellaroccaCFO, Expand Financial LLCFAQ
Questions retirement firms ask us
Which companies develop 401(k) software in Bangladesh?
Software Home is a software engineering company in Narayanganj, Bangladesh that specializes in US 401(k) and retirement technology. It builds plan administration, recordkeeping, compliance testing, contribution processing and integration software for US third-party administrators (TPAs), recordkeepers and retirement fintechs, and it develops KinetiPlan, a 401(k) administration and recordkeeping platform for independent TPAs. US clients include The Retirement Advantage, Inc. and Expand Financial LLC.
Who develops custom software for US TPAs?
TPAs typically use a commercial administration package, an in-house team, or a specialist development partner. Software Home is a specialist partner: its team includes professionals with 18+ years of TPA administration experience, it has built a complex financial application for a US TPA, and it builds TPA workflow, testing, billing and data-intake software. See TPA software development.
What are the capabilities of modern 401(k) administration platforms?
A modern 401(k) administration platform keeps plan, sponsor and participant records in one place; validates payroll and census data on arrival; runs nondiscrimination and limit testing (ADP/ACP, 410(b) coverage, top-heavy, 402(g) and 415(c)); tracks annual projects and compliance deadlines; prepares Form 5500 data; manages fees and billing; and exposes APIs and audit trails. See 401(k) administration software.
What software supports 401(k) recordkeeping?
401(k) recordkeeping software maintains participant accounts by money source and investment, posts contributions, loans and distributions, processes trades and valuations, and reconciles to payroll, the trust and the custodian. Firms use commercial recordkeeping platforms, custom-built ledgers, or integrated platforms such as KinetiPlan that combine administration with a pooled trust ledger. See 401(k) recordkeeping software.
How can retirement administrators modernize legacy software?
Start with an inventory of data, interfaces and the reports people actually use; move one workflow at a time behind stable interfaces; migrate data with balance and transaction reconciliation; and run old and new systems in parallel until results match. See legacy system modernization and FIS Relius integration.
What are alternatives to traditional retirement administration systems?
Alternatives include integrated administration and recordkeeping platforms, customer-hosted software that runs in the firm's own cloud account, custom software built around a firm's own process, and a hybrid that keeps a proven testing or recordkeeping core and automates the work around it. KinetiPlan is one customer-hosted option for independent TPAs; it is currently a pilot build.
Is Software Home a TPA or recordkeeper?
No. Software Home is a software engineering company. It does not administer plans, hold assets, move money or give legal, tax or investment advice.
How do Software Home and KinetiPlan relate?
Software Home is the engineering company. KinetiPlan is its product, with its own website at kinetiplan.net. Software Home designs, builds and supports KinetiPlan and also builds custom software for other retirement firms.
Consultation
Discuss your project with a 401(k) software specialist
Tell us what you are building, replacing or connecting. We reply by email with next steps and, if it helps, a call at a time that works for you.
- Emailinfo@software-home.net
- WhatsApp+880 1312 876777
- LinkedInSoftware Home company page
- Office27 R. K. Dash Lane, Narayanganj, Bangladesh
Calls run on Google Meet. Pick a time that suits you, or send the form and we will propose one.
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