Q

2.0

๐Ÿ›๏ธ  Recordkeepers ยท TPAs ยท Multi-Employer Plans ยท Corporate DB/DC

Your AI Data Team for Retirement & Benefits.

Working alongside your plan administration, actuarial, and ops teams.

Six AI agents on a shared semantic layer. Ask. Analyze. Act.

Plain-English requests, routed to reliable execution โ€” across participant data, recordkeeping, actuarial prep, and ERISA reporting. xAQUA sits on your existing recordkeeping, payroll, and trust systems and stores nothing.

85%
Faster actuarial data prep
3โ€“4 wks
From start to first use case
100%
ERISA + audit-ready lineage
๐Ÿ›๏ธ
Ask Cezu · Retirement & Benefits Administration
Plain-English in. Reliable execution out.
Participants nearing early retirement with incomplete beneficiary designations?
๐Ÿ›๏ธ
2,847 participants eligible by Q2 2026 with incomplete beneficiary info. 847 are high-balance (>$500K). Outreach list ready. PII never left your environment.
Calculate actuarial impact if the high-balance group all retired
๐Ÿ›๏ธ
Projected impact: $237M in lump-sum + annuity liability. Funded ratio sensitivity: โˆ’1.3 pts. Detail by plan attached.
Validated in production at a Top-5 U.S. public pension fund โ€” $300B+ AUM. The same engine works for corporate DB/DC plans, recordkeepers, TPAs, and multi-employer (Taft-Hartley) plans.
The Problem

Your stack is powerful.
But it doesn't work as one system.

Participant data lives in recordkeeping platforms, payroll, trust, document storage, and a dozen spreadsheets. Add multi-employer plans, plan changes, and ERISA / GASB reporting, and you have a Frankenstack that breaks at every audit.

๐Ÿ—„๏ธ
Legacy Recordkeeping Sprawl

Participant records split across mainframes, modern recordkeepers, payroll systems, and document stores. No single source of truth.

6โ€“9 mo
Typical time for cross-system integration projects
๐Ÿ“Š
Actuarial & Reporting Burden

GASB, ERISA, 5500, and actuarial reporting demand weeks of manual data prep โ€” every cycle.

Weeks
Of staff time per actuarial valuation cycle
๐Ÿ”„
Schema Drift Across Plans

Every employer, plan, and recordkeeper uses its own field names and codes. Mapping consumes consulting budgets.

$M+
Annual integration & consulting spend industry-wide
You don't have a retirement data system. You have a Frankenstack.
How xAQUA Works for Retirement & Benefits Administration

Your Data Stays Where It Lives.
The Intelligence Comes to You.

xAQUA connects to your existing retirement & benefits administration systems and unifies them through a shared semantic layer โ€” without copying or storing a byte.

YOUR DATA SOURCES xAQUA SEMANTIC LAYER BUSINESS OUTCOMES Recordkeeping Modern + legacy platforms Payroll & HRIS Workday ยท ADP ยท UKG ยท in-house Trust & Custody Trustee ยท custodian ยท investment ops Document Stores Beneficiary forms ยท QDROs ยท plan docs Actuarial Census ยท valuation ยท liability data Compliance ERISA ยท GASB ยท 5500 ยท CIP x xAQUA ๐Ÿถ Cezu AI concierge โ€” routes intent to right agent ๐Ÿง  Six AI Data Agents Steward ยท Governance ยท Analyst ยท Engineer ยท Scientist ยท BI ๐Ÿ“š Shared Semantic Layer Unified business definitions, metrics, glossary โšก AI Execution Engine GPT-OSS ยท embeddings ยท query planner ๐Ÿ”’ Governance & Trust PII masking ยท audit trail ยท RBAC ยท lineage Participant 360 Unified view across plans, employers Actuarial Prep Census-ready data in hours, not weeks ERISA / 5500 Auto-assembled with full lineage Plan Health Funded ratio, demographics, projections xAQUA stores nothing โ€” your data stays where it lives. The semantic layer makes it conversational.
Your AI Data Team

Six Agents. One Mission.

Each agent is a full-powered application โ€” not a chatbot. They share one semantic layer, so what one agent learns about your data, every other agent knows.

Six AI Agents. One Mission. Your Retirement & Benefits Administration Data Team. Each agent is a full-powered application โ€” and they share one semantic layer. ๐Ÿ›๏ธ Retirement & Benefits Administration Shared semantic layer Plain-English in. Reliable execution out. ASK ยท ANALYZE ยท ACT ๐Ÿง  AI Data Steward Your data expert. Ask anything. FOR RETIREMENT & BENEFITS ADMINISTRATION โ€ข Common Pension/DC Data Modelโ€ข Glossary across plans + employers ๐Ÿ›ก๏ธ AI Data Governance Quality. Privacy. Trust. FOR RETIREMENT & BENEFITS ADMINISTRATION โ€ข SSN ยท PII masking ยท CIPโ€ข ERISA / GASB audit lineage ๐Ÿ“Š AI Data Analyst Ask. Prepare. Analyze. Act. FOR RETIREMENT & BENEFITS ADMINISTRATION โ€ข Plain-English participant & plan queriesโ€ข Service-credit reconciliation ๐Ÿ”ง AI Data Engineer Pipelines from natural language. FOR RETIREMENT & BENEFITS ADMINISTRATION โ€ข Recordkeeping ยท payroll pipelinesโ€ข Actuarial census prep ๐Ÿงช AI Data Scientist Models, predictions, insight. FOR RETIREMENT & BENEFITS ADMINISTRATION โ€ข Retirement timing ยท attrition modelsโ€ข Overpayment / fraud detection ๐Ÿ“ˆ AI BI Specialist Dashboards & narratives. FOR RETIREMENT & BENEFITS ADMINISTRATION โ€ข Funded-ratio dashboardsโ€ข Board reports w/ narrative
What You Can Do

Built for Retirement & Benefits Administration.

Real workflows that retirement & benefits administration teams run every day โ€” now conversational, reliable, and fully governed.

๐Ÿ‘ฅ
Participant Self-Service

Members ask plain-English questions about benefits, eligibility, and projections โ€” backed by your real plan rules.

๐Ÿ“‹
Actuarial Data Prep

Census assembly, anomaly flagging, and validation โ€” from weeks to hours.

๐Ÿ”
Service Credit Reconciliation

Match service credit across employers, plans, and historic mergers automatically.

๐Ÿ“Š
ERISA / 5500 / GASB Reporting

Auto-assembled with complete lineage. Audit-ready every time.

๐ŸŽฏ
Retirement Eligibility Outreach

Find participants approaching eligibility and personalize outreach with projections.

โš ๏ธ
Overpayment & Fraud

Detect deceased-member payments, overpayments, and beneficiary anomalies before they grow.

The Architecture

Sits on Your Stack. Stores Nothing.

xAQUA is the conversational and semantic layer above your existing retirement & benefits administration data platforms โ€” your data never leaves your environment.

๐Ÿ‘ค PLAIN-ENGLISH REQUEST "Participants near retirement with incomplete beneficiaries" x xAQUA Compound AI Data Platform ยท sits on your stack ยท stores nothing ๐Ÿ—ฃ๏ธ Conversational Layer
Cezu ยท 23-route intent classifier ยท plain-English routing
๐Ÿง  Shared Semantic Layer
Unified business definitions, metrics, glossary across agents
โšก AI Execution Engine
Six AI agents ยท query planner ยท text-to-SQL ยท ML pipelines
๐Ÿ”’ Governance & Trust
PII masking ยท RBAC ยท audit ยท lineage ยท tenant isolation
YOUR EXISTING DATA STACK ยท UNCHANGED ยท UNCOPIED ๐Ÿ—‚๏ธ Recordkeeping Modern + legacy platforms ๐Ÿ‘ฅ Payroll / HRIS Workday ยท ADP ยท UKG ๐Ÿฆ Trust / Custody Trustee ยท custodian ยท ops ๐Ÿ“Š Actuarial Census ยท valuation ยท liability โ˜๏ธ Cloud Warehouse Snowflake ยท Databricks ยท BigQuery ๐Ÿ—ƒ๏ธ Document Stores Beneficiary forms ยท QDROs ZERO DATA STORED PLAIN-ENGLISH IN
Built for Regulated Workloads

Compliance by Construction.

Every query is governed. Every action leaves an auditable trail. Every piece of data has lineage. Built for how regulators ask, not how vendors describe.

ERISA / Form 5500GASB 67/68IRS / DOLCIP / KYCSOC 2 ยท SOC 1GDPR / CCPAMultiemployer / Taft-HartleyEU AI Act
Measurable Impact

Outcomes That Compound.

Augment your existing teams. Cut cycle time. Replace disconnected tools. Ship reliable AI in production.

85%
Faster actuarial data prep
3โ€“4 wks
Time to first use case
60%
Lower integration & consulting spend
100%
ERISA + audit-ready lineage

Ready to Augment Your Benefits Administration?

See how xAQUA's AI Data Team works alongside your recordkeeping, payroll, and trust systems โ€” making participant 360, actuarial prep, and ERISA reporting conversational.