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ARCNAT: The First Autonomous TPA Operating System

80+ intelligent agents across 20 waves. 8 interoperability protocols. Evidence-sealed compliance testing, EPCRS corrections, and government filings. Built for firms that carry fiduciary responsibility.

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© 2026 ARC-OS. All rights reserved.

Production Ready & Validated

Production Readiness Through Autonomous Governance

Production readiness is not a checklist you complete once. It is a continuous validation layer maintained by specialized agents across the entire platform.

Built for organizations where precision matters, compliance is non-negotiable, and peace of mind is essential.

Governance Pillars

When you choose ARCNAT, you're not just selecting software—you're choosing confidence.

Agent Network Integrity

ANP registry monitors all 80+ agents across 5 tiers. System Health Agent detects anomalies, auto-recovers degraded agents, and generates post-incident reviews. Every agent publishes health metrics via OASF schemas.

Protocol-Level Security

Zero-trust architecture with MCP-layer permissioning. Multi-tenant isolation. AES-256-GCM encryption. Fiduciary Boundary Agent pre-authorizes every fiduciary action.

Evidence-Sealed Validation

Evidence Sealing Agent cryptographically seals every compliance test, distribution, and filing. SHA-256 hash, time-stamped, tamper-evident. Defensible in IRS or DOL examination.

Continuous Compliance

SECURE 2.0 Compliance Agent tracks 50+ provisions with staggered effective dates. Regulatory Monitoring Agent watches IRS, DOL, and PBGC sources. Annual limits updated automatically.

Enterprise-Grade Security

Your sensitive retirement plan data deserves the highest level of protection.

Bank-Level Protection

Multi-factor authentication, encrypted connections, and secure session management ensure only authorized users can access your data. Your participants' information, plan details, and financial data are safeguarded with the same rigor used by financial institutions.

Zero-Trust Architecture

Every access attempt is verified, every action is logged, and every connection is secured. Advanced AI-powered threat detection identifies and prevents security risks before they impact your operations.

What This Means for You

Sleep better knowing your data is protected by industry-leading security measures. Compliance-ready with built-in protections for GDPR, CCPA, and HIPAA requirements.

Built for Speed and Scale

ARCNAT is engineered to perform under pressure, handling growth gracefully.

Lightning-Fast Response Times

Optimized database queries, intelligent caching, and efficient code ensure your team works at peak productivity. Whether you're managing 10 plans or 1,000, ARCNAT responds instantly and reliably.

Scales with Your Growth

As your business grows, ARCNAT scales with you—handling increased complexity and volume without compromising quality or speed.

Always Available

Redundant systems, automatic failover, and intelligent error recovery mean your team can work without interruption.

Your Benefit

Your team spends less time waiting and more time delivering value. Smart resource management keeps costs predictable while maintaining exceptional performance.

Complete Visibility, Complete Confidence

Transparency builds trust. Know what's happening, when it matters.

Real-Time Monitoring

See system health, performance metrics, and operational status at a glance. Intelligent alerts notify you about important events before they become problems.

Complete Audit Trails

Every action is logged, every decision is traceable, ensuring you're always prepared for audits or reviews. Performance insights help optimize workflows.

Your Advantage

No surprises. You always know the status of your operations, and you have complete visibility into every aspect of plan administration.

Built to Last

Systems that work, even when things go wrong.

Fault Tolerance

Automatic error recovery and graceful degradation ensure operations continue even when individual components encounter issues. Your operations continue smoothly, your data remains intact.

Data Integrity

Every transaction is protected, every change is tracked, and every record is preserved. Comprehensive testing validates that the system handles edge cases, high loads, and unexpected scenarios.

Continuous Availability

Redundant systems and automatic failover mean your team can work without interruption. Reliability you can count on, so you can focus on what matters most.

Your Regulatory Shield

Built for regulated environments where compliance isn't optional.

Regulatory Alignment

Built-in support for ERISA, IRS, DOL, and other regulatory requirements. GDPR, CCPA, and HIPAA considerations are built into the system architecture.

Evidence-First Architecture

Every action generates evidence bundles that can be used in audits, reviews, or legal proceedings. Cryptographic sealing ensures that evidence cannot be altered.

Compliance Confidence

When regulators ask questions, you have complete, defensible documentation. When audits occur, you're prepared. When legal challenges arise, you have court-grade proof.

The Five Critical Tests

Before any real TPA migration proceeds, these five tests must pass with zero exceptions. Each test validates an end-to-end workflow from input to sealed evidence.

Test 1: Census Integrity

Upload a real-world census file, run the import mission, produce a frozen census snapshot, generate year-over-year diff, produce reconciliation artifact, and seal the evidence bundle. The sealed bundle must be retrievable via the Audit module and must replay deterministically.

Test 2: 5500 Filing Integrity

Complete a full 5500 workflow: generate draft, run validation, issue signature request, capture signature, transmit XML, store submission confirmation, advance cycle to Filed, and seal the filing proof pack. The submission confirmation must be immutable.

Test 3: Correction Money Movement

Create a compliance failure (ADP test failure), create a correction case, run EPCRS calculation, get sponsor approval, record money movement confirmation, and seal the correction case bundle with all five required artifacts.

Test 4: Distribution Case E2E

Process a termination distribution from intake to 1099-R staging: intake creates case, eligibility verified, calculation prepared, recordkeeper notified, execution confirmed, 1099-R staging record created, case sealed. Tax withholding must be correctly computed.

Test 5: Audit Response

Submit an audit request covering a prior plan year. The audit response agent must assemble the complete evidence pack (census, testing, corrections, filings, distributions), generate a structured evidence index, and export in Regulator mode — completable in under 30 minutes for a 100-participant plan.

Twelve Non-Negotiable Evidence Requirements

Every sealed evidence bundle must contain all twelve elements. Any bundle missing an element is not production-grade.

Plan reference
Cycle reference
Correlation ID
Actor trail (every human and agent)
Timestamp chain (microsecond precision)
Artifact hashes
Prior event references (chain integrity)
Export log (recipient, timestamp, mode)
Legal hold flag
Retention policy reference
Seal timestamp
Seal actor identity

Migration Readiness & Filing Season Criteria

Migration Readiness

Historical Data Vault operational with tiered validation
Parallel Run Mode validated for full plan cycle
Data Export in open formats verified
Migration Continuity Proof generation confirmed
PensionPro, ftwilliam, ASC/Relius import tested

Integration Resilience

Connector state machine (7 states) operational
Partial execution rollback prevents half-updated census
Data freshness attestation on every compliance run
Trust API timeout handling with status check scheduling
Integration health dashboard with filing season sort

Filing Season Readiness

Batch orchestration for 50+ concurrent filings
SLA heatmap with plan x phase matrix
Team workload balancing with reassignment
Filing season mode with auto-escalation
Capacity planning simulation at T-60 days

Tiered Go-Live

MVP (0-90 days): Core admin, compliance, 5500, distributions, loans, billing
Growth (90-180 days): Payroll connectors, historical migration, reconciliation, QMS
Enterprise (180-365 days): DB plans, PBGC, full termination, digital twin, 80+ agents
Production Ready & Validated

Production Readiness Through Autonomous Governance

80+ agents across 20 waves continuously validate system integrity. Not a checklist—a living governance layer.

Enterprise-Grade Security
Optimized Performance
Fault-Tolerant Reliability
Regulatory Compliance
Complete Observability
Comprehensive Testing

You can deploy with confidence.

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Validation Date: January 26, 2026

Status: ✅ APPROVED FOR PRODUCTION DEPLOYMENT