Patriot

Since our platform has an integration with your payroll provider, we can take a lot of work off your plate regarding the processing of your payroll files through automation.

Patriot offers a 360° level of integration.

This guide will help you set up your integration as well as help you understand your specific responsibilities for the proper administration and submission of payroll files.

1. How Does My Integration Work?
2. Are There Any Reasons Why My Plan Might Not Be Eligible for an Integration? 
3. How Do I Initiate My Integration Setup?
4. What Are my Responsibilities If My Plan Has an Active Payroll Integration? 
5. What Do You Handle for Me If My Plan Has an Active Payroll Integration?
6. Will Patriot Charge Me Fees to Set Up and/or Maintain My Payroll Integration? 
7. What if I Amend My Plan or Change the Frequency of My Employer Contributions? 
8. How Do I Disconnect My Integration?

How Does My Integration Work?

Your integration is a 360° automated integration. This is a two-way integration in which we will automatically receive certain information about your plan and participants from your payroll system, process saver and employer contributions to the plan, and automatically send your savers’ selected deferral elections from their saver portal to your payroll provider.

Are There Any Reasons Why My Plan Might Not Be Eligible for an Integration?

There are some plan design features that currently prohibit the use of payroll integration, including:

• Plans that have multiple EINs.
• Plans that have multiple logins into their payroll system.
• Plans that do not have an established recurring pay schedule set up in both the portal and the payroll system.
• Plans that do not use the same payroll provider for all pay group(s).
• Plans that have limitations preventing each pay group from being integrated. 
• Eligibility rules that exclude certain classes of employees, types of compensation, or certain types of hours worked.
• Plans with both non-mandatory employer contributions & mandatory employer contributions being funded on a per-pay period basis
• Plans that allow after-tax contributions (only be available if your plan uses a Third Party Administrator). Note: After-tax and Roth contributions are not the same.

How Do I Initiate My Integration Setup?

Let your representative know that you'd like to integrate. From there, our team will work with Patriot to set up your integration. There may be a few action items for you to complete along the way - prompt completion of these action items is crucial to ensure a timely setup. 

Please note that until the integration is activated, contribution uploads into the portal will be required until our team has notified you that the integration can begin.

What Are My Responsibilities?  

Our ability to successfully process your payroll files and administer your plan depends on you! It is your responsibility to:

• Loans
  • Set up and maintain retirement loans within your payroll system. 
• Discretionary and/or Profit-Sharing Contributions 
  • Set up and maintain annual non-mandatory company contributions within Patriot, and upload these contributions through your employer portal as an off-cycle contribution. Per pay period non-mandatory company contributions are not permitted.
  • Set up and maintain non-mandatory employer contributions in your payroll system & submit through your employer portal using an off-cycle upload. To easily retrieve an off-cycle file for submission to the portal from Patriot, visit this link. 
• Mandatory Employer Contributions
  • Maintain & submit mandatory employer contributions that are on a frequency other than on a per-pay period basis using an off-cycle upload.
  • To easily retrieve an off-cycle file for submission to the employer portal from your Patriot account, visit this link. 
• Pay Groups 
  • Make sure any pay groups in your payroll system are also set up with us and vice versa.
  • If you are removing a pay group from your payroll system, please contact us directly.
  • The number of pay groups or companies in your payroll system may affect your plan’s integration eligibility.
• Saver Status Changes - Payroll System
  • Make updates in your payroll system when savers are hired, terminated, or re-hired. Include a specific date when making these status changes in your payroll system.
• Saver Personal Information
  • Maintain complete, accurate, and up-to-date personal information within your payroll system - including date of birth, social security number, and email address. 
• Pay Frequency/Schedule Changes
  • Report any pay frequency or pay schedule changes to your representative to ensure there is no delay in processing your payroll files upon making this change in your payroll system.
• Negative Contributions/Corrections
  • Negative contributions or corrections are not able to be processed through the integration. For assistance with negative contributions or corrections, please contact us directly.
• Review Payroll Data
  • We rely on you to provide us with correct, updated, and complete data about your savers regardless of whether we receive that data directly from you or your payroll provider. Regular audits and spot checks of the data provided will help you quickly identify and rectify any discrepancies. 
  • We recommend ensuring accuracy of the Plan Contact Info on your employer portal as an email will be sent to notify you of any discrepancies.

What Do You Handle for Me If My Plan Has an Active Payroll Integration?

• Payroll Codes
  • We will work with your payroll provider, Patriot, to set up and maintain certain payroll codes within your payroll system. Because Patriot manages the codes, do not change this information.
    • Pre-Tax 401(k) 
    • Roth 401(k) 
    • Per pay-period safe harbor employer contribution
• Saver Deferrals - First Payroll
  • Four business days prior to your first pay date with us, we will use the saver deferral rates in the portal to set saver elections in your payroll system. To guarantee saver deferral rates have been updated in your payroll system, do not run payroll before 4 business days before your scheduled pay date.
• Saver Deferral Updates
  • Ongoing deferral changes made in the portal by eligible savers will be communicated to your payroll system. It may take a few pay periods for this to be reflected in Saver paychecks. 
  • If your plan has an auto-enrollment feature, the same guidelines above apply.
• Saver Status Changes In The Portal
  • When you add, rehire or terminate savers in your payroll system, the changes will be reflected in the portal one business day after the next pay date. 
• Processing Contributions
  • Process saver deferrals and employer contributions, which are maintained by the integration shortly after you run payroll in your payroll system. 
  • If you process your payroll early, we will never process the contributions file before the pay date. 
  • Off-cycle contributions processed in your payroll system will come through the integration & reflect in your employer portal after the pay date.

Will Patriot Charge Me Fees to Set Up and/or Maintain My Payroll Integration?

Your payroll provider may charge fees in conjunction with the integration. Please check with your Patriot representative for more specific details. 

We will not charge you to facilitate this integration.

What if I Amend My Plan or Change the Frequency of My Employer Contributions? 

If your plan has been amended or if you are considering an amendment to your original plan documents, please inform your representative to understand what actions on your part will be required to submit and process your payroll files correctly.

If you have changed the frequency of funding your employer contribution, our team will work with your payroll provider to make any necessary updates. 

How do I Disconnect My Integration?

If you change payroll providers, it is your responsibility to inform us so that we can disconnect your integration and assess whether integration with a different payroll provider is available. Please reach out to your representative, and we will assist you.