Provider directory · Use case
401(k) and retirement
15 of the 24 providers assessed document 401(k) and retirement in their own public documentation. 5 publish nothing that answers it; the rest do not offer it.
- Direction
- Read + write
- What it needs from payroll
- Per-pay-period contribution and census data, and deferral changes written back into payroll.
- Typical buyers
- 401(k) recordkeepers, TPAs, retirement plan providers.
Providers that document it
| Provider | Value | Conf | What the documentation says |
|---|---|---|---|
| Atomic Deposit and account switching | Read — 'retirement' category | D | Deduction category is described as 'such as taxes, benefits, or retirement'; parsed W-2 data includes retirementPlan and box 12 codes. No deferral write. Source |
| Bindbee Employer-permissioned unified APIs | 401(k) via deductions | D | The Payroll Deduction Sync use case states Bindbee can 'track 401(k)/HSA/FSA contributions', written through the deduction endpoint. Source |
| Finch Employer-permissioned unified APIs | Yes — 401(k) + Recordkeeper | D | The Deductions API manages 401(k) contributions; Finch Recordkeeper (private beta) syncs contribution and election data to plan recordkeepers. Source |
| Guideline 401(k) providers | Two-way; Gusto only | D | The roster updates from payroll census records, payroll reports are sent automatically, off-cycle payrolls are captured, and deferral elections sync back. The '360' term is not used. Source |
| Human Interest 401(k) providers | Two-way 'No-Touch' | D | 'We sync to your payroll, process contributions, and handle changes in employee contribution rates.' The '360' term is not used. Source |
| Knit Employer-permissioned unified APIs | 401k contribution type | D | The payroll Contributions enum includes '401k'; deductions can be written through the deduction endpoints. Source |
| Merge Employer-permissioned unified APIs | Read — RETIREMENT plan type | D | EmployerBenefit.benefit_plan_type includes RETIREMENT, and Benefit carries employee_contribution and company_contribution. Not writable. Source |
| Payroll Integrations 401(k) payroll connectivity | 360: census in, deferrals out | D | Transfers census data (new hires, terminations, rehires, status changes), employee and employer contributions, and hours for eligibility to recordkeepers; deferral and loan changes flow back to payroll, except for Paycom and UKG. Source |
| Pinwheel Deposit and account switching | Read — paystub deduction category | D | Paystub deductions carry a category; the reference example shows {"category":"retirement","name":"401k","type":"pre_tax"}. W-2 examples include box 12 codes and the retirement plan box. No deferral write. Source |
| Plaid Consumer-permissioned payroll APIs | Indirect — W-2 box 12 | D | W-2 objects include box_12 (code, amount) and retirement_plan; paystub deductions are free-text lines with no dedicated 401(k) field. No deferral write. Source |
| SteadyIQ Income Passport Consumer-permissioned payroll APIs | Read — itemised deductions | D | deductionList is an 'Itemized list of deductions from the paystub (e.g. 401k, health insurance)' for payroll events. No deferral write. Source |
| The Work Number Verification databases | Pension income when available | D | The product page states verifications of income 'include pension data when available'. No 401(k) contribution fields or deferral write are described. Source |
| Truv Consumer-permissioned payroll APIs | Read — 'retirement' category | D | Pay statement deduction category is 'One of: memo, medicare, retirement, socialsec, federal, state, benefit, garnishment, local, other'. No deferral write. Source |
| Unified.to Employer-permissioned unified APIs | RETIREMENT benefit type | D | Benefit type includes RETIREMENT with employer_contribution fields; payslip details include PRETAX_DEDUCTION_RETIREMENT; deductions are writable. Source |
| Vestwell 401(k) providers | 180°, 360° or Concierge | D | 180° is 'a one-way integration' that retrieves payroll data; 360° is 'a two-way integration' that also sends deferral information back; Payroll Concierge has Vestwell staff access the employer's payroll system to transfer data. Source |
Providers where it is unverified
We looked and the provider publishes nothing that answers it. That is not the same as the capability being absent.
| Provider | What a correct answer needed |
|---|---|
| Apideck | Payroll data has generic benefit and deduction lines but no retirement field. A correct answer needed a documented 401(k) field or write. |
| Argyle | The paystub deduction schema has amount, name, tax_classification and amount_ytd, with no retirement category. A correct answer needed a retirement deduction field or deferral write. |
| Experian Verify | No retirement or 401(k) fields are published for Verify. A correct answer needed a public report field specification. |
| Kombo | No retirement or pension model found. A correct answer needed retirement contribution fields or a deferral write. |
| Truework | No 401(k)/retirement fields appear in the report schema reviewed. A correct answer needed an explicit retirement or deduction field. |