Analysis based on ERISA, DOL, IRS, SEC, and FINRA retirement plan regulations
Paste your 401(k) marketing content below. Compliance(k) scans against ERISA, DOL, SEC, FINRA, and SECURE 2.0 regulations — then scores it, flags issues, and generates a compliant rewrite. In seconds.
Analyzing marketing material for compliance...
Each scenario loads realistic marketing content with varying compliance issues. Select a scenario to auto-load and analyze — see how Compliance(k) catches regulatory problems.
This option is a placeholder for deeper integration with your firm's compliance review process.
With this integration, we could:
For now, this button is informational only. Contact Waivz to configure your compliance integration.
Everything you need to know about using Compliance(k) to review 401(k) marketing materials for regulatory compliance issues before they reach prospects.
Analyze 401(k) sales emails, brochures, fact sheets, and website copy for ERISA, DOL, SEC, and FINRA compliance issues — with AI-powered scoring, detailed regulatory citations, and suggested rewrites.
Checks content against ERISA, DOL, IRS, SEC, and FINRA rules simultaneously — catching cross-regulatory issues most manual reviews miss.
Every review produces a quantitative compliance strength score with specific rationale — making it easy to track improvement across revisions.
AI generates compliant alternative language that preserves your marketing intent while eliminating regulatory risk from problematic phrases.
Upload your firm's custom keyword JSON to flag proprietary compliance terms — prohibited phrases, required disclaimers, or brand-specific language rules.
Upload PDF brochures and fact sheets directly — Compliance(k) extracts text locally in your browser using PDF.js. No files are sent to any server.
Export reviews as PDF, Word, or plain text. When a score reaches 7.0+, the CCO submit button activates for integration with your compliance queue.
Pro tip: Use the Sample Scenarios button in the sidebar to load 6 realistic marketing documents at varying compliance levels — from a 3/10 "guaranteed returns" email to an 8/10 open enrollment communication. Great for training new compliance staff.
Choose the type of marketing material you're reviewing: Email, Brochure, Fact Sheet, Presentation/Webinar, Website Copy, Social Media Post, or General 401(k) Sales Document. This helps the AI apply the right regulatory context — social media posts have different rules than formal brochures.
If your firm has a list of prohibited or required phrases, upload them as a JSON file in the format: {"keywords": ["word1", "word2"]}. The AI will flag any matches in the reviewed content alongside standard regulatory checks.
Either paste text directly into the input area, or switch to the "Upload PDF" tab and select a PDF file. PDF text extraction happens entirely in your browser — the original file is never transmitted. For best results, paste the complete marketing content including headers, subject lines, disclaimers, and signatures.
The cleaned text is sent to the Compliance(k) API, which analyzes it against ERISA, DOL, IRS, SEC, and FINRA regulations. The AI evaluates claims, disclaimers, fee disclosures, performance representations, and fiduciary language. Analysis typically takes 10–20 seconds.
Your results include: a Compliance Rating (1–10 scale with rationale), a Detailed Review with specific issues and regulatory citations, and a Suggested Rewrite with compliant alternative language. Use the segmented meter and NOX progress bar to visually gauge compliance strength.
Export your review as a PDF, Word document, or plain text file. You can also print directly from the browser. When the compliance score reaches 7.0 or higher, the "Submit to CCO" button activates, allowing you to route the review to your Chief Compliance Officer for final approval.
Compliance(k) evaluates marketing materials against these major regulatory frameworks governing 401(k) plan communications:
Governs fiduciary duties, prohibited transactions, and disclosure requirements for retirement plan sponsors and service providers. Compliance(k) checks for improper fiduciary liability claims, misleading fee disclosures, and ERISA Section 404(c) compliance language.
The DOL's fiduciary definition and Prohibited Transaction Exemptions (PTEs) govern who is a fiduciary and what investment advice is permissible. Compliance(k) flags language that improperly disclaims fiduciary status or overstates fiduciary coverage scope.
IRC Sections 401(a), 402(g), 414, and 415 set contribution limits, plan qualification rules, and tax treatment. Compliance(k) verifies that contribution limits, tax-free claims, and withdrawal rules are accurately represented in marketing materials.
SEC Rule 206(4)-1 (Marketing Rule) governs investment adviser advertising. Compliance(k) checks for performance guarantees, cherry-picked returns, misleading comparisons, unsubstantiated claims, and required "past performance" disclaimers.
FINRA Rules 2210–2216 govern communications with the public by broker-dealers. Compliance(k) flags unbalanced presentations, promissory language, omitted risk disclosures, and materials lacking required firm identification.
Major retirement legislation affecting auto-enrollment mandates, Roth catch-up requirements, student loan matching, and emergency savings provisions. Compliance(k) verifies that SECURE 2.0 references are accurate and current as of the 2026 plan year.
Important: Compliance(k) is an AI-powered analysis tool designed to assist — not replace — your firm's compliance review process. All flagged issues should be verified by a qualified compliance professional. The AI provides regulatory citations and suggested corrections, but final compliance determinations should be made by your CCO or outside compliance counsel.
Auto-enrollment mandates, super catch-up contributions (ages 60–63), Roth-only catch-up rules for $145K+ earners, and student loan matching provisions are now validated against current 2026 guidance.
All reviews now check that referenced contribution limits match the 2026 IRS limits: $24,500 deferral, $8,000 catch-up (50+), $11,250 super catch-up (60–63), and $72,000 total annual additions.
New sample marketing materials ranging from a 3/10 "guaranteed returns" email to an 8/10 open enrollment communication — perfect for demonstrations and compliance team training.
Upload a JSON file with your firm's proprietary compliance keywords. The AI flags any matches alongside standard regulatory checks — useful for prohibited phrases, required disclaimers, and brand compliance.
Direct routing of compliant reviews (score 7.0+) to your Chief Compliance Officer's workflow queue, with standardized subject lines, disclaimers, and case IDs. Contact Waivz to configure for your firm.
Full 5-tab security modal with AI provider transparency, data flow diagrams, compliance certifications (SOC 2, ISO 27001), FAQ, and enterprise vs consumer AI comparison — the standard (k) Suite security disclosure component.
How Compliance(k) protects your data. Zero training on your content. Zero data retention. Enterprise-grade security at every layer.
Compliance(k) uses a stateless API architecture. Your marketing text is sent via TLS 1.3 to a secure Cloudflare-hosted endpoint, analyzed by Claude AI for regulatory compliance issues, and the response is returned directly to your browser. No content is stored, cached, or logged on any server. PDF text extraction happens entirely in your browser — uploaded files never leave your device.
Your marketing content is never used to train AI models. Anthropic's enterprise API contractually guarantees zero training on customer data.
All data in transit is encrypted via TLS 1.3. Data at rest (if any were stored, which it isn't) would use AES-256. Both Anthropic and Cloudflare maintain SOC 2 Type II.
Compliance(k) uses Anthropic's zero-data-retention API. Your content is analyzed and immediately discarded — nothing is stored, cached, or logged by the AI provider.
Your submissions are never reviewed by Anthropic employees. The entire process is automated and ephemeral — no human at any layer sees your content.
| Feature | Consumer AI (ChatGPT, etc.) | Compliance(k) Enterprise API |
|---|---|---|
| Data used for training | ✗ Often used | ✓ Never |
| Data retention | ✗ 30+ days typical | ✓ Zero retention |
| Human review of inputs | ✗ Possible | ✓ None |
| SOC 2 Type II audit | Varies | ✓ Certified |
| Contractual privacy guarantee | ✗ TOS only | ✓ Enterprise DPA |
| FINRA/SEC appropriate | ✗ Not designed for | ✓ Purpose-built |
Key distinction: Compliance(k) uses Anthropic's enterprise API with contractual zero data retention — not the consumer chatbot. Your marketing content is analyzed in a single stateless API call and immediately discarded. No data persists anywhere after the compliance score is returned to your browser.
The pasted or extracted text of the marketing document, the selected document type (email, brochure, etc.), and any firm keyword alerts you uploaded. No personal identifiers, no account info, no metadata.
PDF files are extracted locally via PDF.js in your browser — the original file never leaves your device. No IP address, browser fingerprint, username, or firm name is sent to the AI provider.
PDF extraction is 100% local. When you upload a PDF, the text is extracted by PDF.js running entirely in your browser. The original PDF file is never transmitted to any server. Only the extracted plain text is sent to the compliance API for analysis.
Compliance(k)'s security architecture is designed to meet the requirements of financial services regulators governing retirement plan communications.
Compliance(k) supports the ERISA prudent process by providing documented, repeatable compliance analysis. Zero data retention means no participant or plan sponsor data is stored in any system.
All analysis is advisory — Compliance(k) flags potential issues and suggests rewrites but does not make final compliance determinations. The 7.0 threshold enforces a quality standard before CCO submission.
Aligned with DOL's 2021 cybersecurity best practices for service providers: encrypted data in transit, no data at rest, documented security controls, third-party SOC 2 audits, and incident response procedures.
No personal data is collected, stored, or processed. The API receives only marketing text — no names, emails, account numbers, or identifiers. Data minimization by design.