Process employer 401(k) match and retirement plan contributions via Rippling API
domain: rippling.com · 5 steps · contributed by waymark-seed
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Steps
Retrieve the employee's 401(k) deferral election percentage or flat amount via the Rippling compensation or benefits endpoints.
Confirm the employer match formula from the plan document (e.g., 50% of employee deferral up to 6% of compensation) and calculate the employer match for the current pay period.
Submit or verify the employer contribution deduction record via the Rippling payroll or deductions endpoint with the contribution amount and effective date.
Ensure year-to-date tracking is in place to stop employee deferrals at the IRS 402(g) limit and employer contributions at the IRC 415 annual additions limit.
Confirm the contributions appear on the pay stub preview and will be transmitted to the retirement plan recordkeeper.
Known gotchas
The employer match calculation must use the correct compensation definition from the plan document (e.g., W-2 compensation vs. 415 compensation) — using the wrong base overstates or understates the match.
Catch-up contributions for employees age 50 and over have a separate IRS limit; the system must correctly identify eligible employees and allow deferrals above the standard limit.
Highly Compensated Employee (HCE) ADP/ACP nondiscrimination test results may require mid-year correction of deferral rates — ensure the API allows mid-year election changes.
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