Line 05 DB, DC, IRA & hybrid plans

Pension, recordkept the modern way.

Defined benefit, defined contribution, cash-balance and IRA administration — contributions, accruals, vesting, distributions and compliance on one platform.

Explore capabilities
Plan sponsors, TPAs & recordkeepers

DB, DC and everything between.

Pension systems are legacy. Ours is not. From contribution processing to distribution taxation, every moving part lives in one place.

01

Contribution processing

Payroll feeds, ACH and wire processing, employer match, profit-sharing allocations, catch-up and after-tax tracking.

02

Accrual & valuation

Defined benefit accrual formulas (final-pay, career-avg, cash-balance), actuarial valuation and unit-credit projection.

03

Vesting & forfeiture

Cliff, graded, 100% immediate and custom vesting schedules. Automated forfeiture reallocation.

04

Distributions

QDRO, hardship, loan, in-service, RMD and annuity-option distribution processing with automatic tax withholding.

05

Compliance testing

ADP/ACP, 402(g), 415, 416, 410(b) and coverage testing. Form 5500 and PBGC reporting.

06

Participant experience

Modern enrollment, balance projection, advice engine integration, beneficiary and spousal-consent flows.

Defined benefit engine

Actuarial math the platform already knows.

Our DB engine runs benefit accruals, unit-credit projections and plan valuations continuously — not once a year. Funded status, PBGC premium and ASC 715 liability are always current.

  • Formulas. Final-average, career-average, flat-dollar, cash-balance and hybrid formulas natively supported.
  • QDRO. Separate-interest and shared-payment QDRO modeling with automatic award tracking.
  • PBGC. Variable-rate and flat-rate premium calculation, 4010 and 4043 reporting.
  • Pension risk. Buy-in / buy-out / lump-sum-sweep modeling and execution.
  • Accounting. ASC 715, IAS 19 and governmental GASB 67/68 disclosures out of the box.
By the numbers

Recordkeeping, re-engineered.

500k+
Participants administered per deployment
5500
Form 5500 generation fully automated
Daily
Mark-to-market valuation — not annual
ASC
715 + IAS 19 + GASB 67/68 supported
Let's build

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