Embed 401(k) Integration Into Your HCM Platform Without Building It
PayKonnect is the integration layer that HCM platforms embed to connect their payroll data output to 80+ retirement recordkeepers — maintaining regulatory compliance so your engineering team doesn't have to.
The Integration Challenges You're Facing
Enterprise customers expect payroll-to-retirement integration as a standard platform feature, not a custom add-on
Building and maintaining 80+ recordkeeper connections in-house is outside your core competency and engineering capacity
SECURE 2.0 regulatory changes require rapid data field updates across every employer client simultaneously
Customers want 401(k) data to flow automatically through your platform, not via separate manual processes that bypass your workflow
How PayKonnect Solves This
Embeddable integration layer that connects your platform's payroll data output to retirement recordkeepers via API or file-based exchange
Broad recordkeeper coverage — 80+ recordkeepers, 130+ retirement plan providers — so your customers rarely hit an unsupported provider
Regulatory maintenance included: PayKonnect tracks IRS rule changes and updates data fields across all connections (SECURE 2.0 Roth catch-up and super catch-up supported as of January 2026)
Marketplace listing on PrismHR validates the partnership publicly and accelerates your sales narrative
Relevant Integration Types
The Problem HCM Platforms Face With 401(k) Integration
Your enterprise customers don’t think about the complexity behind payroll-to-retirement data synchronization. They see one number on a payslip and expect it to flow automatically into their retirement account. What they’re actually asking you to build — and maintain — is a connection to 80+ recordkeepers, each with different inbound formats, different field requirements, and different update cadences.
And SECURE 2.0 made it harder. The IRS’s September 2025 final regulations on Roth catch-up contributions require payroll data streams to carry fields that didn’t exist in most pre-2026 integrations: prior-year Social Security wages, super catch-up designation flags for participants aged 60–63, and YTD SSA wages. Implementing this correctly across your entire employer client base — simultaneously — is the kind of infrastructure work that pulls engineering capacity away from your core product.
PayKonnect exists as the answer to that problem.
How HCM Platforms Use PayKonnect
PrismHR lists PayKonnect in its marketplace as “payroll-to-investment connectivity” — trusted by 130+ retirement plan providers. PrismHR customers get the integration benefit without PrismHR having to maintain recordkeeper connections directly.
Empeon updated its PayKonnect 401(k) integration in December 2025 to add SECURE 2.0-compliant data fields. The update was delivered to all Empeon customers simultaneously through a single platform update — not a separate implementation for each employer.
This is the model: your platform emits payroll data in your format. PayKonnect transforms it to what each recordkeeper requires. Regulatory updates happen at the PayKonnect layer, not inside your platform’s codebase.
What Broad Recordkeeper Coverage Means for Your Sales Motion
When your sales team pitches an enterprise customer, the question is often “which recordkeeper do you use?” If the answer is one of the 80+ recordkeepers connected through PayKonnect, you can say yes. That includes Ascensus, Empower, Fidelity, Transamerica, John Hancock, Vestwell, J.P. Morgan Everyday 401k, and dozens of regional providers.
Your competitors who have built their own integrations are limited to the three or five recordkeepers they’ve invested engineering capacity in. PayKonnect’s network is your competitive coverage.
See provider coverage for the full list of supported payroll systems and recordkeepers, and explore how the 180°/360° integration model works for a detailed technical overview.