Form-agnostic AI for the benefits team that has to assemble the source data your TPA can't — and still sign the filing under penalty of perjury.
No commitment. You keep the written gap-list either way.
recovered per cycle
faster Sch C recon
figures cited to source
With Punctuations: source pack assembled, all 4 items resolved, trail to vendor document and page number. Sign-off ready.
The TPA can draft it. Only your team can source it. And every year, across payroll systems, carrier portals, recordkeeper exports, and broker disclosure packets, assembling clean data takes weeks that shouldn't exist.
Payroll exports, trustee statements, recordkeeper files, broker schedules — every vendor uses a different layout, every year.
They process what you send. Reconciling participant counts, late deposits, and Schedule C fees back to source documents is your job.
The plan administrator's signature isn't ceremonial. If numbers move between draft and final, you need to know why — fast.
Extensions cost. Late filings trigger DOL penalties. Q2 swallows three to five person-weeks of senior benefits time — every year.
A DOL or IRS inquiry can land 2–3 years after filing. The person who built the workbook may be gone. The trail had better not be.
Indirect comp, eligible indirect comp, broker disclosures — reconciling 408(b)(2) packets to Schedule C lines is where filings get reopened.
Four passes. Each one closes a specific gap between what your TPA needs and what your vendors actually send.
Ingesting 4 vendors — any format
Participant count cross-check
408(b)(2) → Schedule C line match
Source pack — pre-flight complete
Punctuations.ai reads every vendor format your team currently re-keys by hand. It builds a reconciliation worksheet that points to the source page and line — so when the DOL asks two years later, the trail is right there.
of senior benefits-team time recovered per filing cycle
faster reconciliation of Schedule C indirect compensation
of source figures cited back to vendor document and page
"The Source-Pack Audit caught two participant-count discrepancies our TPA would have rolled forward. The trail to the payroll export was already built."
Anita R.
Director of Benefits
"I sign the 5500 under penalty of perjury. For the first time, I knew exactly where every number came from before I signed."
Marcus L.
VP People Operations
"Schedule C used to take us a full week. Reconciling 408(b)(2) packets to indirect comp lines now happens overnight."
Priya S.
Senior Benefits Manager
No. Your TPA still prepares and submits the filing. Punctuations.ai builds the source-pack you send them — cleaner, faster, and reconciled.
A written gap-list mapped to the 5500 instructions, scoped against your last filing's source files. You keep the document whether or not we move forward.
ISO 27001-aligned. Files are processed in an isolated tenant, encrypted in transit and at rest, and purged on schedule. We sign BAAs and standard MNDAs.
Form 5500 is W1. The same form-agnostic engine handles W2 Loan Doc Archaeology, W3 Blueprint Takeoff, W4 K-1 Intake, W6 NAIC Annual Statement, and W8 1099 + Brokerage.
Yes. Auditing the cycle you just finished is the best time — the source files are fresh, and you have nine months to rebuild your process before the next one.
Book the free 2-hour Source-Pack Audit. We return a written gap-list against the 5500 instructions — yours to keep either way.
ERISA · Benefits Filing · ISO 27001-aligned data handling
