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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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© 2026 ARC-OS. All rights reserved.

An Agent Network in Action

80+ intelligent agents coordinate across 20 waves through 8 protocols — from census collection to sealed evidence. See every workflow from trigger to completion.

ConnectTestCorrectFileEvidence
How it worksGet in touch

The Agent Network in Action

End-to-end flow: from data connection to sealed evidence. Click any step for details.

80+ agents coordinate through MCP data mesh across 20 waves12 compliance agents with deterministic resultsReal-time streaming via AG-UI protocolEvidence-sealed with cryptographic chain of custody
  1. Census agents ingest data from recordkeepers, payroll systems, and plan sponsors via the MCP data mesh. Eclipse LMOS handles transport variance — REST, SFTP, SOAP — same agent logic, different adapter. Single source of truth, automatically reconciled.
  2. 12 compliance agents execute in dependency order: HCE Determination first, then ADP/ACP, coverage, top-heavy, 415, 401(a)(4). Results stream to your screen via AG-UI. Test Projection Agent runs mid-year simulations using live payroll data.
  3. 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 for zero cost.
  4. 5500 Assembly Agent pre-populates from evidence-sealed data. 1099-R Agent captures distributions year-round. Filing Calendar Agent tracks every deadline. EFAST2 submission, IRS FIRE filing, and state filings — coordinated by the Filing Orchestrator.
  5. Evidence Sealing Agent cryptographically seals every compliance test, correction, and filing. SHA-256 hash, time-stamped, tamper-evident. Complete chain of custody defensible in IRS or DOL examination years later.
  6. System Health Agent monitors all 80+ agents across 5 tiers. Plan Health Score Agent synthesizes data quality, compliance posture, and filing status. AGORA answers questions in plain English: 'Which plans are at risk of failing ADP?'

Technical stack

  • MCP — universal data bus
  • A2A — agent coordination
  • AG-UI — real-time streaming
  • AGORA — natural language
  • Eclipse LMOS — integrations
Build this system

Core operating flow

Census agents connect via MCP mesh, compliance agents test in dependency order, correction agents evaluate EPCRS paths, filing agents submit to EFAST2/FIRE, and Evidence Sealing Agent produces tamper-evident records.

  1. Connect
  2. Test
  3. Correct
  4. File
  5. Evidence

Intake

Lead Intelligence Agent enriches prospects with plan design analysis. Proposal Assembly Agent builds multi-design comparisons via AGORA. Onboarding Setup Agent provisions projects, portal access, and team assignments.

  1. Prospect
  2. Extract
  3. Score
  4. Match
  5. Migrate

Plan year cycle

Plan Year Orchestrator Agent launches sub-agents at exactly the right time: census collection, eligibility recalculation, compliance testing, 5500 assembly, notice generation — all deadline-driven, all evidence-sealed.

  1. Open
  2. Collect
  3. Lock
  4. Reconcile
  5. Test
  6. Correct
  7. File
  8. Seal

Compliance testing

Compliance Orchestrator Agent sequences HCE determination, then ADP/ACP, coverage, top-heavy, 415, and 401(a)(4) in dependency order. Results stream via AG-UI. Test Projection Agent runs mid-year simulations.

  1. Init
  2. Execute
  3. Detect
  4. Correct
  5. Retest

Document generation

Document Generation Agent drives Q&A-based plan document creation. Amendment Agent tracks legislative changes. SECURE 2.0 Compliance Agent monitors 50+ provisions and routes required amendments.

  1. Template
  2. Bind
  3. Draft
  4. QA
  5. Approve
  6. Publish

Distribution processing

Transaction Orchestrator Agent coordinates 8+ agents per distribution: eligibility, vesting, tax withholding, spousal consent, approval, execution, confirmation, and 1099-R capture. RMD Calculation Agent monitors every participant.

  1. Request
  2. Eligibility
  3. Approve
  4. Pay
  5. Confirm

Workflow automation

Project Launch Agent auto-creates projects on plan year end. Task Assignment Agent distributes by capacity and expertise. SLA Monitoring Agent predicts breaches before they happen. Runbook Execution Agent guides staff step by step.

  1. Events
  2. Triggers
  3. Tasks
  4. Approve
  5. Evidence

Billing & revenue

Billing Agent monitors every operational event — cycle closed, 5500 filed, distribution processed, loan originated, correction completed. Fee schedules with flat, per-participant, asset-based, and per-event structures. Minimum fee enforcement and collections workflow.

  1. Event
  2. Trigger
  3. Invoice
  4. Payment
  5. Profit

Plan termination & merger

Termination workflow covers ERISA §204(h) notices, final distribution processing for all participants, final Form 5500 filing, trust closeout, and plan archival. Merger workflow handles participant mapping, asset transfer, combined compliance testing, and blackout notice compliance.

  1. Initiate
  2. Notify
  3. Distribute
  4. File
  5. Archive

Migration & onboarding

Historical Data Vault imports 5-20 years of regulatory history from PensionPro, ftwilliam, ASC, or Relius. Parallel Run Mode validates ARCNAT against your current system for a full plan cycle. Migration Continuity Proof seals evidence of zero data loss.

  1. Import
  2. Validate
  3. Parallel
  4. Compare
  5. Promote

Defined benefit plans

Actuarial data intake from enrolled actuaries. Schedule SB integration with EA signature workflow. IRC §430 funding tracking with quarterly installment monitoring. IRC §436 benefit restriction alerts. PBGC flat-rate and variable-rate premium calculation and filing.

  1. Actuarial
  2. Fund
  3. SB
  4. PBGC
  5. Seal

See the Agent Network in Your Plan Book

Request an architecture brief tailored to your firm. We walk you through how 80+ agents across 20 waves map to your specific compliance complexity.

Request Architecture BriefView Live Demo