ZipRecruiter

Log In

1

401 K Compliance Testing Jobs (NOW HIRING)

Betterment

401(k) Compliance Associate

New York, NY · Remote

$60K - $70K/yr

Play an integral role in the annual compliance testing season for 401(k) clients by preparing compliance testing packages and employer contribution calculations * Reconcile plan activity and prepare ...

Betterment

401(k) Compliance Associate

New York, NY · On-site

$60K - $70K/yr

Play an integral role in the annual compliance testing season for 401(k) clients by preparing compliance testing packages and employer contribution calculations * Reconcile plan activity and prepare ...

isolved

401(k) Compliance Consultant

Dubuque, IA · On-site

... 2023 The 401(k) Compliance Consultant performs annual nondiscrimination testing and Form 5500 ... Perform ADP/ACP Test, top-heavy, 410(b) Coverage, and 404(a) testing.Prepare Form 5500SF & 8955SSA.

Old National Bank

Compliance Testing Analyst

Brookfield, WI · On-site

$51K - $101K/yr

... 401K, continuing education opportunities and an employee assistance program are also included in ... Responsibilities The Compliance Testing Analyst is part of our Risk team . They are responsible for ...

Old National Bank

Compliance Testing Analyst

Brookfield, WI · On-site

$51K - $101K/yr

... 401K, continuing education opportunities and an employee assistance program are also included in ... The Compliance Testing Analyst is part of our Risk team . They are responsible for conducting ...

isolved

401(k) Compliance Consultant

Dubuque, IA · On-site

Voted top places to work in USA 2023 The 401(k) Compliance Consultant performs annual nondiscrimination testing and Form 5500 reporting for our client's defined contribution plan. Core Job Duties

iSolved HCM

401(k) Compliance Consultant

Dubuque, IA · On-site

$60 - $80/hr

Voted top places to work in USA 2023 The 401(k) Compliance Consultant performs annual nondiscrimination testing and Form 5500 reporting for our client's defined contribution plan. Core Job Duties

iSolved

401(k) Compliance Consultant

Dubuque, IA · On-site

Voted top places to work in USA 2023 The 401(k) Compliance Consultant performs annual nondiscrimination testing and Form 5500 reporting for our client's defined contribution plan. Core Job Duties

Exzac, Inc.

Compliance Testing

New York, NY · On-site

$1/hr

Lead and /or perform BSA/AML/OFAC compliance testing, identify issues and make recommendations and ... Benefits include: medical, dental, 401K, STD, HSA, PTO and more EQUAL OPPORTUNITY EMPLOYER: Matrix ...

Jobtailor

Compensation and Benefits Analyst

Raleigh, NC · On-site

$60 - $80/hr

Administer the tuition reimbursement program and perform annual 401K compliance testing and audit * Serve as primary HR support contact for one company and manage routine HR functions * Collaborate ...

New

Insperity

Compliance Analyst 401K

Kingwood, TX · On-site

Compliance Analyst 401K This position is responsible for compliance related tasks associated with ... Performs annual and interim ERISA nondiscrimination testing of Insperity individual 401(k) plans.

Insperity

Compliance Analyst 401K

Houston, TX

Compliance Analyst 401K This position is responsible for compliance related tasks associated with ... Performs annual and interim ERISA nondiscrimination testing of Insperity individual 401(k) plans.

next page

Showing results 1-20

All JobsBusiness Jobs401 K Compliance Testing Jobs

401 K Compliance Testing information

See salary details

$31.5K

$98.9K

$207.5K

How much do 401 k compliance testing jobs pay per year?

As of Sep 8, 2026, the average yearly pay for 401 k compliance testing in the United States is $98,949.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,500.00 and $115,000.00 per year, depending on experience, location, and employer.

What is 401(k) compliance testing?

401(k) compliance testing refers to a series of annual tests required by the IRS to ensure that a company's 401(k) retirement plan does not unfairly benefit highly compensated employees over non-highly compensated employees. The most common tests include the Actual Deferral Percentage (ADP) and Actual Contribution Percentage (ACP) tests, which compare the contributions of different employee groups. Passing these tests is essential to maintaining the plan’s tax-qualified status and avoiding costly corrections or penalties. Employers often work with third-party administrators or plan providers to conduct these tests and address any issues that arise.

What are the key skills and qualifications needed to thrive in 401(k) compliance testing?

To succeed in 401(k) Compliance Testing, you need a solid background in retirement plan regulations, analytical skills, and an understanding of plan document requirements, typically backed by a degree in finance, accounting, or a related field. Familiarity with compliance testing software, IRS nondiscrimination testing procedures, and knowledge of relevant ERISA and IRS rules is essential. Attention to detail, strong problem-solving skills, and clear communication help professionals interpret regulations and collaborate with plan sponsors. These skills ensure legal compliance, minimize fiduciary risks, and maintain the integrity of retirement benefit plans.

What are some typical challenges faced by professionals in 401(k) compliance testing, and how can they be addressed?

Professionals in 401(k) compliance testing often encounter challenges such as interpreting complex IRS regulations, handling large volumes of participant data, and communicating test results to plan sponsors. Staying updated with regulatory changes and maintaining strong attention to detail are crucial for accuracy. Collaborating closely with plan administrators, auditors, and legal counsel helps ensure compliance and timely resolution of any discrepancies. Leveraging specialized software can also streamline data management and testing processes.

What is the difference between 401 K Compliance Testing vs 401 K Plan Administrator?

Aspect401 K Compliance Testing401 K Plan Administrator
Primary RoleEnsures plan compliance with IRS and DOL regulations through testingManages daily plan operations, participant records, and plan administration
Required CredentialsKnowledge of ERISA, IRS regulations, often certifications like CEBS or CPFAExperience in plan administration, often with certifications like CEBS or similar
Work EnvironmentTypically in compliance or consulting firms, or HR departmentsIn-house HR or third-party administration firms

While both roles require knowledge of ERISA and IRS regulations, 401 K Compliance Testing focuses on ensuring plan adherence to legal standards through testing procedures. The 401 K Plan Administrator manages the overall plan operations, participant records, and day-to-day administration. Both roles often share similar credentials and work environments, but their core responsibilities differ: compliance testing is analytical and regulatory-focused, whereas plan administration is operational and participant-centered.

What other helpful pages are available for 401 K Compliance Testing?

Other pages related to 401 K Compliance Testing:

Infographic showing various 401 K Compliance Testing job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 84% Full Time, 11% Part Time, and 4% Contract. Highlights an 90% Physical, 2% Hybrid, and 8% Remote job distribution, with an average salary of $98,949 per year, or $47.6 per hour.

401(k) Compliance Associate

New York, NY • Remote

Betterment
See more jobs at Bettermentexternal

$60K - $70K/yr

Full-time

Retirement

Posted 15 days ago

Key responsibilities

  • Prepare compliance testing packages and employer contribution calculations for the annual 401(k) compliance testing season.

  • Reconcile plan activity and prepare Form 5500s for large and/or conversion clients.

  • Assist with advanced compliance processes such as plan amendments, plan terminations, conversions, and deconversions.

Job description

 About Betterment

Betterment is a leading, technology-driven financial services company that offers investing, savings and retirement solutions for retail investors and investment advisors as well as financial wellness solutions, including a 401(k) for small and medium-sized businesses. Our team is passionate about our mission, to empower people to build wealth with confidence and ease.  

About the Role

Are you a process-driven problem solver who loves checking items off your to-do list? Do you thrive on turning inefficiencies into seamless processes? Does making complex tasks efficient and intuitive energize you? Do you seek to help scale solutions that aim to delight and empower clients? Do you have some relevant 401(k) industry experience? 

Betterment's 401(k) team is seeking a detail-oriented compliance associate with a passion for 401(k). This role is part of the 401(k) Compliance team within Betterment at Work. This team is the go-to group for 401(k) compliance subject matter expertise and are skilled in efficiency and technical 401(k) plan administration. You will be joining a group of individuals that empower each other to take ownership, lead the charge to create solutions that last and who motivate others to always keep the common goal in mind. For us, that goal is providing an exceptional experience to our 401(k) clients.

This is a salaried, non-exempt role that is remote eligible, except for the New York City metro area, San Francisco, Los Angeles, Seattle, Boston, Washington, D.C., & Orange County, CA. Below we've reflected the base salary range we would offer for this position in locations with city or state requirements. For those located elsewhere, the actual compensation offered will be based on candidate experience and geographic location. Actual salaries may vary depending on factors including but not limited to location, experience, and performance. The range listed is just one component of Betterment's total compensation package for employees. 

  • $60,000 - $70,000
A Day in the Life

Annual Compliance Administration

  • Play an integral role in the annual compliance testing season for 401(k) clients by preparing compliance testing packages and employer contribution calculations 
  • Reconcile plan activity and prepare Form 5500s for large and/or conversion clients
  • Assist 401(k) plan auditors by providing requested plan information and data samples

Daily Administration

  • Assist with advanced compliance processes such as plan amendments, plan terminations, conversions and deconversions
  • Analyze facts and circumstances of operational errors that result in the calculation of missed deferral opportunities, lost earnings and other corrective actions
  • Draft 401(k) plan documents for conversion plans and set them up in our proprietary recordkeeping system

General Responsibilities

  • Collaborating with the Client Experience teams to provide a unified client experience
  • Ensuring adherence to current procedures and controls, and make recommendations to improve efficiency and scalability
  • Using creative problem solving skills to tackle operational challenges, investigate why they happened, and collaborate with the engineering, product, and design teams to develop solutions
What We're Looking For
  • Some experience in 401(k) retirement industry
  • Interest in working towards QKA certification and other ASPPA certifications 
  • A detail-oriented mindset with excellent organizational skills
  • Comfort handling multiple priorities at once and problem solving on the fly in a creative and holistic manner 
  • A proactive approach in reimagining existing processes to make them better 
  • Effective communication skills and experience working cross functionally with client facing teams or stakeholders
  • Ability to maintain the highest level of confidentiality
  • Familiarity with FTWilliam or similar compliance testing software
  • Demonstrated proficiency in both Google Suite and Microsoft Office

Apply