Fiduciary Outsourcing
More Than Technology. Real Fiduciary Responsibility.
360 Payroll Bridge Solutions takes over the entire retirement plan payroll process — managing, monitoring, verifying, and taking accountability for every contribution, loan repayment, and deferral change.
We Don't Just Move Data. We Take Responsibility.
Unlike traditional API solutions that simply push and pull data between payroll providers and recordkeepers, 360 Payroll Bridge assumes fiduciary responsibility for the retirement plan payroll functions entrusted to us. Our combination of advanced technology, hands-on administration, and fiduciary oversight helps eliminate payroll-related compliance gaps, reduce administrative burdens, and protect employers from costly errors and regulatory exposure.
What Is the 360 Payroll Bridge?
360 Payroll Bridge Solutions provides a comprehensive retirement plan payroll management solution that goes far beyond traditional payroll integrations. We take over the entire payroll process as it relates to your retirement plan — ensuring contributions, loan repayments, employee eligibility, deferral changes, and employer matching contributions are accurately calculated, processed, and transmitted.
Contribution Management
We ensure employee and employer contributions are accurately calculated and remitted to the plan on time — every payroll cycle, without exception.
Loan Repayment Processing
Participant loan repayments are tracked, verified, and transmitted accurately, reducing the risk of deemed distributions and compliance failures.
Eligibility & Deferral Changes
We manage employee eligibility determinations and deferral change requests, ensuring plan terms are applied correctly and consistently.
Employer Matching Contributions
Employer match calculations are reviewed and verified against plan terms before transmission — catching errors before they become compliance issues.
Why Plan Sponsors Choose 360 Payroll Bridge
Fiduciary Accountability
We don't just process data — we assume fiduciary responsibility for the payroll functions entrusted to us, giving plan sponsors meaningful liability protection.
Elimination of Manual Errors
By replacing manual data entry and spreadsheet-based processes with verified, managed workflows, we dramatically reduce the risk of contribution errors.
Timely Contribution Remittance
Late contributions are one of the most common DOL audit findings. Our process ensures contributions are remitted on time, every time.
Active Monitoring & Verification
Every payroll cycle is actively monitored and verified by our team — not just passed through a system. We catch discrepancies before they become violations.
Complete Audit Trail
We maintain thorough documentation of every payroll transaction and decision, creating a defensible record for DOL audits and participant inquiries.
Reduced Administrative Burden
Plan sponsors and HR teams are freed from the complexity of retirement plan payroll administration — we handle it so you can focus on your business.
Risk Areas We Address
Payroll errors are the leading cause of retirement plan compliance failures. 360 Payroll Bridge is designed to eliminate the most common — and most costly — risk areas.
Late Contributions
One of the most frequently cited DOL violations. We ensure contributions are remitted within the required timeframe on every payroll cycle.
Incorrect Deferral Amounts
Missed or miscalculated deferral changes can trigger costly corrective contributions. Our verification process catches these errors before they occur.
Eligibility Failures
Failing to enroll eligible employees on time is a common plan qualification failure. We track eligibility dates and ensure timely enrollment.
Loan Default & Deemed Distributions
Missed loan repayments can result in taxable deemed distributions for participants. We monitor and process loan payments to prevent defaults.
Match Calculation Errors
Employer match errors — over or under — create correction obligations and participant harm. We verify every match calculation against plan terms.
Data Transmission Failures
Failed or incomplete data transmissions between payroll and recordkeeper can go undetected for months. We actively monitor every transmission for completeness and accuracy.
Ready to Get It Right?
Let 360 Payroll Bridge Solutions take responsibility for your retirement plan payroll process. Contact ERISA SMART to learn how we can protect your plan and your participants.
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