A signed Correction Certificate for your late-deposit finding — one flat fee.
Send us your payroll withholding-date export and your recordkeeper's contribution-posting-date export. CorrectPath detects every Late Deposit Instance, calculates Lost Earnings using the DOL's own methodology, and drafts the correct SCC Notice or full VCP/VFCP Application, a Form 5330, and an auditor-ready remediation memo — then a Compliance Reviewer verifies it and a partner ERISA attorney or Enrolled Agent reviews and, where a filing is required, executes it. Delivered in 5 business days from complete intake, for a flat fee — never hourly, never a percentage of anything recovered.
No cost, no obligation. A Compliance Reviewer checks every detection and calculation before delivery — AI never files anything, and never signs a DOL or IRS submission. CorrectPath serves plan sponsors and fiduciaries only, never an individual participant's personal account.
Late deposits are a prohibited transaction the moment they happen — there's no grace period.
Payroll withheld money from an employee's paycheck and it didn't reach the plan trust inside the applicable window — 7 business days for small plans, roughly 3 business days by industry norm for large plans, with no bright-line deadline in the regulation itself. The moment that window closes, it's a prohibited transaction under ERISA. Most controllers and HR benefits leads first learn this from an auditor's management letter or a DOL inquiry, under deadline pressure, with no in-house ERISA correction specialist to call.
Your Form 5500 filing clock is running
The extended Form 5500 deadline (October 15) doesn't move because a correction is in progress — the finding needs to be resolved and documented before it, not after.
A faster path most sponsors haven't learned yet
The DOL's Self-Correction Component lets small, timely findings self-correct without a full application — but the eligibility test and documentation bar are exact, and getting them wrong creates a second, avoidable problem.
Your auditor can flag it, but usually can't fix it
Independence rules generally bar your CPA plan auditor from performing the correction for the plan they audit — they can tell you it's wrong, not close it for you.
Getting this wrong has real consequences: a misclassified SCC-vs-VCP determination, an understated Lost Earnings figure, or a filing that ships without a licensed reviewer's sign-off can each turn one avoidable finding into a bigger fiduciary-liability and excise-tax problem. CorrectPath does not provide legal or tax advice and does not characterize a fiduciary breach on its own authority — the Filing Attorney/EA is the only party of record on that determination.
One correction engagement, one flat fee, always.
The same terms, every time: Sponsor, Late Deposit Instance, Lost Earnings, Compliance Reviewer, Filing Attorney/EA, Correction Certificate.
Deposit Timing Readiness Scan
The lead diagnostic. Upload one payroll cycle and its matching recordkeeper posting date; CorrectPath returns a pass/fail read, and a rough Lost Earnings estimate if a delay is detected, within 2 business days.
SCC-Eligible Correction Certificate
Every Late Deposit Instance detected, Lost Earnings calculated, SCC Notice drafted and executed, Form 5330 draft, and an auditor remediation memo. Single plan year, single entity.
Full VCP/VFCP Application
For multi-instance or multi-plan-year findings that don't qualify for the Self-Correction Component. Scoped quote based on lookback scope.
Per-Participant-Year Calculation
High-volume Lost Earnings calculation at scale, for large plans where a flat per-instance fee doesn't fit.
Deposit Timing Monitoring
Ongoing ingestion of payroll and recordkeeper posting data so the next delay is caught before your next audit, not after.
AI detects and calculates. A Compliance Reviewer and a Filing Attorney/EA decide. Every time.
Nothing reaches the DOL or the IRS without a Compliance Reviewer's verification, and no filing is ever executed by AI or by CorrectPath staff.
Intake
Your payroll withholding-date export, recordkeeper contribution-posting-date export, plan-document deposit-timing provisions, and prior-correction history are collected and checked against the intake checklist — no engagement proceeds with a missing required field.
Classify
Your plan's size, deposit-timing safe harbor, and prior correction history are confirmed before detection begins.
Extract & normalize
AI extracts and normalizes withholding and posting dates from your payroll and recordkeeper exports into a single tied-out working file.
AI detect & calculate
AI flags every candidate Late Deposit Instance; the deterministic rules layer — never the model — computes Lost Earnings and the excise tax using the DOL's own methodology.
Human approve — the Compliance Reviewer
An ERISA-credentialed Compliance Reviewer verifies every detected instance and calculation against source data, and confirms SCC-vs-VCP eligibility. Nothing is delivered unverified.
Filing Attorney/EA review and execute — the licensing chokepoint
A partner ERISA attorney or Enrolled Agent, engaged independently, reviews and — where a filing is required — executes the SCC Notice, VCP/VFCP Application, or Form 5330. This is the one step neither AI nor CorrectPath staff may perform.
Deliver
Your Correction Certificate — detected instances, Lost Earnings figures, the filed SCC Notice or VCP/VFCP Application, the Form 5330 draft, and the remediation memo — is delivered via the client portal.
Track & renew
Corrective-remittance posting is confirmed within 30 days, and Deposit Timing Monitoring is offered so the next delay is caught before it becomes a finding.
Flat fee, per plan year. Never hourly, never a percentage.
Pricing is deliberately flat or scoped as a fixed quote — never a percentage of any recovered or corrected amount. There is no "recovery" in a compliance correction, so a contingency structure would be inapplicable here.
Detection, Lost Earnings calculation, SCC Notice, Form 5330 draft, Compliance Reviewer verification.
Flat fee — quoted before you engage.Multi-instance or multi-plan-year correction, scaled to the number of instances and plan years involved.
Fixed quote — confirmed before you engage.High-volume Lost Earnings calculation for large plans, at scale.
Flat per-unit rate — no hourly billing.Recurring Readiness Scans and early-warning alerts, so the next delay is caught before your next audit.
Annual flat fee — no surprise invoices.Pricing evidence: the IRS's own $1,500–$3,500 VCP compliance-fee benchmark, and specialist-TPA correction-service pricing, are named as the existing budget this offer is priced against — see the full evidence table in the underlying blueprint. All figures above are current pricing ranges, not a guarantee of your plan's exact quote — final pricing is confirmed after your free Deposit Timing Readiness Scan, before you engage.
[PLACEHOLDER] First engagement outcome — Correction Certificate accepted by the plan's auditor with no further findings — published here once the first pilot engagement completes. No claim is made until it is real.
[PLACEHOLDER] First sponsor testimonial — added only with written permission from a real, named pilot plan sponsor. CorrectPath never fabricates a quote or a logo.
[PLACEHOLDER] Number of plans corrected, SCC vs. full VCP — a live, auditable count once real engagements complete. Until then this stays blank rather than invented.
What we can show you honestly, right now.
CorrectPath is entering its pilot cohort. We're not going to invent a case study to fill this space.
The first filed-correction case study will appear here once the initial 8-plan pilot cohort completes and outcomes are logged. The 5-business-day delivery figure cited above is a launch target built into the engagement design, not a guarantee, and is labeled Unverified against real-engagement data until measured.
The questions every sponsor asks before engaging.
Do you replace our ERISA attorney or our auditor?
Who actually files the SCC Notice, VCP Application, or Form 5330?
What data do you need from us?
Is my finding eligible for the fast Self-Correction Component, or do I need a full VCP Application?
How fast is delivery?
Do you work with individual plan participants on their own retirement account?
The licensing boundary, stated plainly.
"CorrectPath does not provide legal or tax advice, does not represent itself as a law firm, and does not collect consumer/personal debt under any circumstance. CorrectPath serves 401(k)/403(b) plan sponsors and fiduciaries only — never an individual participant's personal retirement account or personal finances."
This exact sentence is used, unmodified, on this page, in every engagement letter, and in any public content that discusses licensing or legal scope. What AI may do: ingest and normalize payroll/recordkeeper data, detect candidate Late Deposit Instances, run the deterministic Lost Earnings and excise-tax calculation, pre-populate the SCC Notice and Form 5330 draft, and draft the auditor-facing remediation memo. What a Compliance Reviewer may do: verify every detected instance and calculation against source data, confirm non-ambiguous SCC-vs-VCP eligibility, and approve a Correction Certificate before it proceeds to filing or delivery. What only a partner ERISA attorney or Enrolled Agent/CPA under Circular 230 may do: characterize a fiduciary breach, resolve an ambiguous eligibility case, and review, approve, and execute an SCC Notice, VCP/VFCP Application, or Form 5330 — never AI, never CorrectPath staff. This page is not legal or tax advice and not a law-firm-disclaimer substitute for review by counsel; DOL/IRS correction rules vary and change; consult qualified counsel and your engaged Filing Attorney/EA before relying on any of it operationally.
Get your free Deposit Timing Readiness Scan.
Tell us roughly what triggered your question — an auditor's finding, a DOL inquiry, or your own suspicion — and your plan's rough size. We'll follow up to arrange intake and return a pass/fail read within 2 business days — no cost, no obligation.
Free, no obligation. A Compliance Reviewer reviews every submission personally — this form does not commit you to any engagement. Plan sponsors and fiduciaries only.