Turn Census Data into Engagement Strategy
Campaign(k) analyzes your 401(k) census to segment participants into behavioral personas, surface missed-match opportunities, and generate targeted communication campaigns — all in seconds.
How It Works
1
Upload Census
Upload a CSV from your recordkeeper or import directly from Census(k). Data never leaves your browser.
2
Configure Match Rules
Define the employer match formula — Safe Harbor, Enhanced, QNEC, or custom tiers — to calculate missed match.
3
Generate Analysis
Instantly segment participants, quantify missed match dollars, rank prospects, and create persona-specific campaigns.
2026 IRS Limits & Thresholds
$24,500
§402(g) Deferral Limit
$8,000
Catch-Up (Age 50+)
$360,000
§401(a)(17) Comp Cap
$160,000
HCE Threshold
5-Persona Segmentation Model
🌱
Young Accumulators
Under 35
Early-career participants building habits. Often under-saving and missing employer match.
▸ Match awareness + auto-escalation
🏡
Mid-Career Savers
Ages 35–49
Balancing competing priorities — mortgage, college, retirement. Need optimization strategies.
▸ 1% increase campaigns + check-ins
💎
HENRYs
High comp + under-saving
High Earners, Not Rich Yet — earning above HCE threshold but not converting income to wealth. Future HNW clients.
▸ Advisor intro + Roth optimization + wealth plan
⛰️
Wealth Builders
Top comp + high deferral
High-achieving savers near IRS limits. Prime prospects for financial planning conversations.
▸ Advisor pipeline + tax optimization
🌅
Pre-Retirees
Age 50+
Approaching retirement. Eligible for catch-up contributions. Focused on income planning.
▸ Catch-up + super catch-up education
Advisor Pipeline: HENRY & HNW Identification
HENRY
High Earner, Not Rich Yet
Comp ≥ HCE threshold ($160K) • Deferral <10% • Under 50
High earners not yet converting income to wealth. Saving below their capacity despite strong compensation. Prime candidates for comprehensive financial planning, Roth optimization, and advisory relationships that convert them into Wealth Builders.
✓ Income above HCE threshold
✓ Under-contributing vs. capacity
→ Advisory onboarding
HNW
High Net Worth Referral
$300K+ comp • $500K+ balance • Wealth Builder / Pre-Retiree
Senior executives and long-tenured high earners with significant accumulation. Need estate planning, tax-loss harvesting, concentrated stock strategies, and multigenerational wealth transfer.
★ Max deferral + catch-up
★ Assets warrant dedicated advisor
→ HNW advisor referral
PIPELINE
The Natural Referral Flow
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Census Analysis
→
🎯
Segment & Score
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📬
Targeted Campaign
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🤝
1-on-1 Meeting
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⭐
HNW Referral
Campaign(k) surfaces the participants most likely to benefit from enhanced advisory relationships — turning plan engagement into a natural business development pipeline.
Quick-Start Scenarios
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Summit Financial Advisors
⚖️
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Morrison & Associates LLP
🏥
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Lakeside Family Medicine
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View All 6 Scenarios
What Campaign(k) Delivers
💰
Missed Match Recovery
Quantify exactly how much each participant is leaving on the table, ranked by dollar impact.
⭐
HENRY & HNW Pipeline
Automatically flag high earners for advisor engagement and HNW referral based on comp, balance, and age.
📬
Persona-Specific Campaigns
Ready-to-send email templates with personalized subject lines, copy, and calls to action by segment.
📅
12-Month Campaign Calendar
Complete communication cadence — webinars, emails, flyers, and 1-on-1 outreach organized by quarter.
⚙️ Plan Rules Configuration
Define the employer match formula. This is crucial for accurately calculating "Missed Match" opportunities.
📊 Current Configuration
No configuration saved yet. Use the sidebar to set your plan rules.
🚀 Ready to Analyze
Your census data and plan rules are configured. Launch a comprehensive analysis to unlock actionable insights.
Smart Segmentation
Categorize participants into four behavioral personas.
Match Optimization
Calculate precise "Missed Match" opportunities.
Prospect Pipeline
Identify top prospects for planning conversations.
Campaign Ready
Persona-specific templates and 12-month calendar.