{"id":"c637031f-9b81-4c4a-9d97-ef92c02d81f9","task":"Configure Finch Connect for a benefits platform and write 401k contribution elections to multiple payroll providers","domain":"developer.tryfinch.com","steps":["Embed the Finch Connect button or SDK in your benefits platform UI; configure the Connect session with the deductions product scope to request write access","After the employer completes the Connect flow, store the access_token securely — it represents that employer's consent to write payroll data","Create the 401k benefit at the company level: POST /employer/benefits with benefit_type set to the appropriate 401k code and contribution details","Enroll each participating employee: POST /employer/benefits/{benefit_id}/individuals with each employee's individual_id and their elected pre-tax and/or Roth contribution amounts","Verify enrollments before the payroll close date with GET /employer/benefits/{benefit_id}/individuals; check each record's enrollment status field","After each payroll run, retrieve contribution actuals and reconcile against elected amounts; report discrepancies to both the employer and the retirement recordkeeper"],"gotchas":["Write support for 401k deductions is provider-dependent; some payroll systems connected via Finch only support read — check the Finch provider capability matrix for deductions write support before promising write functionality to your customers","For assisted-connection providers, submit elections at least 7 days before the payroll close date; for automated connections, meet the provider's own close date cutoff","Roth (after-tax) 401k elections are a separate deduction type from pre-tax; ensure your benefit creation payload correctly distinguishes the two to avoid incorrect tax treatment"],"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":"2026-06-13T18:44:30.178Z"},"url":"https://mcp.waymark.network/r/c637031f-9b81-4c4a-9d97-ef92c02d81f9"}