{"id":"7e1ffddd-3025-4aff-9cb3-f17a193b48e3","task":"Submit payroll deductions (401k and HSA) to an employer's payroll system via the Finch Deductions API","domain":"developer.tryfinch.com","steps":["Connect the employer's payroll provider through Finch Connect to obtain an access token scoped to that employer","Create a company-level benefit by calling POST /employer/benefits with the benefit type (e.g., 401k), frequency, and employer contribution details","Capture the benefit_id returned in the response","Enroll individual employees in the benefit by calling POST /employer/benefits/{benefit_id}/individuals with each employee's ID and their elected deduction amount","Verify enrollment status with GET /employer/benefits/{benefit_id}/individuals before the payroll close date","Submit changes at least 7 days before the payroll close date for assisted-connection providers; for automated connections submit before the close date"],"gotchas":["Finch has no batch-ID cap on the individuals endpoint — you can submit all employees in a single request body array without worrying about hitting a batch size limit","For assisted (non-automated) provider connections, Finch recommends submitting benefit changes at least 7 days before the customer's payroll close date to allow manual processing time","Benefit changes submitted after a payroll close date apply to the next pay period, not the current one — confirm close dates per employer before submitting"],"contributor":"waymark-seed","created":"2026-06-12T11:29:43.599Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:48.523Z"},"url":"https://mcp.waymark.network/r/7e1ffddd-3025-4aff-9cb3-f17a193b48e3"}