Business owner wants to maximize personal retirement savings via Mega Backdoor Roth 401k but is unsure if funding extra contributions for themselves violates top-heavy rules or requires equal bonuses for all employees.

Workarounds Described

• posts question on Reddit seeking advice from peers
• will eventually pay a CPA hundreds of dollars to run manual calculations

Implied Software Gaps

• Automated compliance testing software that simulates contribution strategies and provides clear, actionable results without requiring manual CPA consultation

ComplyCheck 401k

ComplyCheck 401k is a SaaS platform that integrates with payroll and 401k providers to automatically simulate compliance tests—including top-heavy, ADP/ACP, and nondiscrimination tests—for various contribution strategies like the Mega Backdoor Roth. It shows in real-time whether a proposed contribution plan is allowed without triggering penalties or forcing extra contributions to lower-paid employees. Unlike generic plan documents, ComplyCheck provides personalized, actionable guidance for business owners.

Existing Solutions Mentioned