Payroll-to-Retirement Integration Insights
Practical coverage of 401(k) integration, SECURE 2.0 compliance, and the independent payroll ecosystem — from a team that has been building these integrations since 2014.
180° vs. 360° Payroll Integration: What's the Difference and Which Does Your Recordkeeper Actually Need?
The terminology is standard — but the operational implications are significant. This guide explains exactly what each means, what data flows in each direction, and which integration type is right for your buyer.
SECURE 2.0 Roth Catch-Up: What Payroll Companies Need to Send (and What Happens If They Don't)
The IRS issued final regulations in September 2025. Effective January 1, 2026, payroll-to-recordkeeper data flows must include prior-year Social Security wages. Here's the complete technical breakdown.
Super Catch-Up Contributions for Ages 60–63: The Payroll Data Requirements for 2026
The $11,250 super catch-up limit for participants aged 60–63 is in effect for 2026. Here's exactly what payroll data fields are required and how to validate them.
Why Your 401(k) Integration Keeps Breaking (And How to Fix It for Good)
Manual file exports. Recordkeeper format changes. Missing fields. If you're a payroll bureau that handles 401(k) data, you know this cycle. Here's why it happens and what a proper integration layer prevents.
How Independent Payroll Companies Can Offer 401(k) Integration Without an Engineering Team
You don't need in-house engineers to offer 401(k) integration. Here's how IPPA members and independent payroll bureaus are using managed integration services to compete with larger platforms.
The Payroll Data Aggregator Model: How One Integration Connects to 80+ Recordkeepers
Instead of building 80+ separate integrations, recordkeepers use a payroll aggregator. Here's how the aggregation model works, why it's the industry standard, and how to evaluate aggregators.
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