Solo S-corp owner is confused about mechanics of making employee and employer 401k contributions through payroll provider ADP.

ADP and Fidelity don't clearly guide solo S-corp owners on how to integrate 401k contributions with payroll withholding and tax deductions.

Severity

3Medium

Willingness to Pay

implied

Added

May 8, 2026

Workarounds Described

unsure whether to transfer money manually from biz to personal to Fidelity
considers just marking contribution and figuring deduction at tax time

Implied Software Gaps

Software that automates the link between payroll withholding and retirement account contributions

App Concept

Solo401k Sync

Solo401k Sync integrates with ADP and Fidelity to automate employee and employer 401k contributions for solo S-corps. It calculates the correct withholding, initiates transfers, and tracks tax deductions so users don't have to guess the mechanics.

Key Features

Bi-directional sync with ADP payroll and Fidelity 401k
Automatic calculation of max employee and employer contributions
One-click transfer from business account to Fidelity with correct earmarking
Tax deduction tracking report for tax time

Target Users: Solo S-corp owners in general business services who run payroll through ADP and want to maximize 401k contributions without confusion.

Revenue Model: $29/mo per user subscription

Existing Solutions Mentioned

ADP payrollFidelity 401k

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