Configuration received from Intent(k). Review before generating.
📨
Waiting for Intent(k)
Send data from Intent(k) to begin plan modeling. Or load a sample scenario from the sidebar.
Technical Assumptions
Adjust testing parameters. These defaults work for most plans.
⚙️EBAR & Testing Parameters
Standard: 65. Range: 55-75
Standard: 8.5%. Used for EBAR projections
Prior Year uses last year's NHCE rates
Most plans use §415 Safe Harbor
First-year plans: use 3%
Match contribution rate
🧮Additional Options
Higher contributions on compensation above the SS Taxable Wage Base
If disabled, only owners receive profit sharing allocations
Plan Design Results
Generated plan design and compliance analysis
Scenario Comparison
Save up to 5 designs and compare side-by-side
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No Scenarios Saved
Generate a plan design, then click "Save Current" to begin comparing configurations.
Data Received from Intent(k)
📖 Design(k) Pro Help Center
Design(k) Pro models 401(k) plan designs and runs all 7 IRS compliance tests using a serverless engine.
Workflow
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Receive Intent
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⚙️
Set Assumptions
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Generate
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Review Results
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Compare & Export
Privacy
No participant names, SSNs, or dates of birth are sent to the compliance engine. The engine only receives anonymized age-compensation tuples. All PII stays in your browser.
7 Compliance Tests
1. ADP Test
Compares HCE vs NHCE deferral rates. Safe Harbor plans are exempt.
2. ACP Test
Same as ADP but for employer matching contributions.
3. 401(a)(4) Cross-Testing
Age-adjusted benefit comparison using EBAR rates. Must achieve ≥70% ABPT.
4. 410(b) Coverage
Ensures enough NHCEs benefit. Tests ratio percentage, classification, and average benefits.
5. Top-Heavy (§416)
Key employees can't have >60% of plan assets. Triggers 3% minimum if exceeded.
6. §415 Annual Additions
No individual exceeds $70,000 (2025) or 100% of compensation.
7. §401(a)(26) Minimum
Cross-tested plans must benefit the lesser of 50 employees or 40%.
ABPT
Average Benefits Percentage Test. NHCE avg EBAR ÷ HCE avg EBAR. Must be ≥70%.
EBAR
Equivalent Benefit Accrual Rate. Age-adjusted contribution rate for cross-testing.
HCE
Highly Compensated Employee. >5% owner or earned >$160K prior year (2025).
NHCE
Non-Highly Compensated Employee. Everyone who isn't an HCE.
Gateway Minimum
Minimum NHCE rate for cross-testing. Typically 1/3 of highest HCE rate or 5%.
New Comparability
Profit sharing allowing different rates per group, tested via EBAR cross-testing.
Permitted Disparity
Social Security integration — higher rates on comp above the SS Wage Base.
Safe Harbor
Plan design that auto-passes ADP/ACP by providing minimum employer contributions.
Tiered Rates
B1 (critical) NHCEs get owner-level rate; B2 (gateway) get minimum. Saves cost.
Before sending data to the compliance engine, Design(k) Pro strips all names, SSNs, and dates of birth. It computes age locally and sends only anonymous IDs (P001, P002...) with age, compensation, and ownership data. The lookup table stays in your browser to re-attach names for display.
The results show exactly which test failed and why. For ADP/ACP failures, correction options (refund or QNEC) with costs are calculated. You can adjust assumptions and re-generate, or return to Intent(k) to change the plan design.
Yes. Generate a design, save it as a scenario, change assumptions or return to Intent(k) for a different configuration, generate again, and save. Then use the Compare view for side-by-side analysis.
It sends a message back to Intent(k) with the calculated costs, so you can adjust the budget or plan design. This is a bidirectional pipeline — you can iterate between Intent(k) and Design(k) Pro until the design fits the budget.
v1.0March 2026
☁️ Cloudflare Worker Engine
All compliance calculations run on a serverless worker — no more 10MB Pyodide download. Instant results.
🔒 Zero-PII Architecture
Names and SSNs never leave the browser. Engine only sees anonymized age-compensation tuples.
📨 postMessage Pipeline
Receives data from Intent(k) via secure cross-origin messaging. No more localStorage.
🔄 Bi-directional Flow
Return to Intent(k) with cost data if budget needs adjustment. Iterative design loop.
📊 5-Scenario Comparison
Save up to 5 designs and compare side-by-side with diff columns and winner badges.
🎨 Blue Theme
New blue primary color distinguishes from Intent(k) purple and Design(k) orange.