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ARCNAT: The First Autonomous TPA Operating System

80+ intelligent agents across 20 waves. 8 interoperability protocols. Evidence-sealed compliance testing, EPCRS corrections, and government filings. Built for firms that carry fiduciary responsibility.

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ARCNAT · ARC-OS

12 Compliance Agents. Zero Guesswork.

HCE Determination, ADP/ACP, coverage, top-heavy, 415, 401(a)(4), and DB testing agents execute in dependency order. The Test Projection Agent runs mid-year simulations from live payroll data. Failure Detection Agent catches operational errors in real-time. Every result is deterministic, replayable, and evidence-sealed.

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Compliance flow

  1. Test
  2. Correct
  3. Audit

12 Testing Agents

HCE Determination Agent classifies first. Then ADP/ACP, coverage, top-heavy, 415, 401(a)(4), and DB Testing agents execute in sequence. Fixed rule versions and input snapshots. Results stream via AG-UI.

EPCRS Correction Agents

Failure Detection Agent flags errors in real-time. EPCRS Strategy Agent evaluates SCP, VCP, and Audit CAP paths. Correction Calculation Agent computes QNEC, lost earnings, and refund amounts. Self-correct within 9.5 months at zero cost.

Audit & Risk Intelligence

Evidence Sealing Agent produces cryptographic SHA-256 hash for every test result. Test Projection Agent predicts failures mid-year using live payroll data. Plan Health Score synthesizes compliance posture, data quality, and filing status.

Complete Compliance Coverage

Predictive Risk Assessment

The predictive compliance risk engine forecasts test failures 12 months ahead: probability of each test failing in the next cycle, projected violation amounts, and recommended preemptive actions — so you can correct before violations occur.

SECURE 2.0 Compliance Matrix

Live compliance matrix tracking 50+ provisions with staggered effective dates through 2029 across every plan. Auto-enrollment mandates, Roth catch-up changes, LTPT eligibility — every provision, every plan, every deadline surfaced automatically.

AI Anomaly Detection

Cross-plan statistical comparison, year-over-year trend analysis, and census data anomaly detection. Contribution rate cliffs, unusual termination clustering, duplicate SSNs, and implausible compensation values — surfaced with AI reasoning and confidence scores.

Defined Benefit & PBGC

DB testing agents handle actuarial data intake, Schedule SB validation, IRC §430 funding tracking, IRC §436 benefit restriction monitoring, and PBGC premium calculations. Cash balance, traditional pension, and professional firm plan designs fully supported.
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