Upload one or more files — PDF, Excel, CSV, Word, or JSON
0 loaded
1
Click or drag a file here
e.g., RK proposal, 404(a)(5) notice, plan review, adoption agreement
2
Click or drag a second file (optional)
e.g., second proposal, fee disclosure, fund lineup data
2
What Do You Need?
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Analysis Complete
Carl processed your documents
🔒 Your documents are processed securely in your browser and never stored on our servers
Document A
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Document B
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📍 Main Differences⚠️ Compliance🛡️ Safe Harbor💥 Eligibility💼 Employee Impact
Field Comparison
Field
Document A
Document B
Status
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Help Center
⚖️
Welcome to Compare(k)
Compare two 401(k) plan extractions side-by-side. Instantly spot differences in plan provisions, eligibility requirements, and contribution formulas.
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Extract Plans in Adopt(k)
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Save to Library
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☑️
Select 2 Documents
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⚖️
Compare!
Key Features
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Smart Difference Detection
Automatically highlights matching fields, differences, and fields present in only one document.
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Visual Status Badges
Color-coded indicators make it easy to scan for discrepancies at a glance.
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Export Reports
Download comparison as CSV for record-keeping or further analysis in Excel.
How to Use Compare(k)
1
Extract Plans in Adopt(k)
Go to Adopt(k) and upload your adoption agreement PDFs. The AI will extract key plan provisions including eligibility, contributions, vesting, and more.
2
Save Extractions to Library
After each extraction completes, click "Save to Library" in the Export Options. Give each document a descriptive name for easy identification.
3
Select Two Documents
In the Document Library panel, check the boxes next to exactly two documents you want to compare. The "Compare" button will enable.
4
Click Compare
Click the "Compare" button to open Compare(k). Your selected documents will load automatically for side-by-side analysis.
5
Review & Export
Use filters to focus on differences. Export to CSV for documentation or print for client meetings.
Comparison Terms
Match Status
Both documents have the same value for this field. Normalized comparison ignores case and extra whitespace.
Different Status
Both documents have values, but they differ. Review both values to understand the distinction.
Partial Status
Only one document has a value for this field. The other document either lacks this field or has an empty value.
Document Library
Local storage in Adopt(k) where extracted plans are saved. Stores up to 10 documents per browser.
Certified Field
A field value that Adopt(k) extracted with high confidence, verified against source text in the document.
Adoption Agreement
The legal document that establishes a 401(k) plan's specific provisions, elections, and design features.
Safe Harbor
A plan design that satisfies ADP/ACP nondiscrimination testing through specified contribution formulas.
Vesting Schedule
The schedule determining when employer contributions become fully owned by the participant.
Entry Date
The date(s) when eligible employees may begin participating in the plan (e.g., semi-annual, monthly, immediate).
Frequently Asked Questions
How do I get documents into Compare(k)?▼
Documents come from Adopt(k). Upload your adoption agreement PDFs there, run the extraction, then click "Save to Library." Once you have two saved documents, select both and click "Compare" to open them here.
Why do some fields show as "Partial"?▼
Partial status means only one of the two documents has a value for that field. This can happen if: (1) the field wasn't present in one adoption agreement, (2) the AI couldn't extract it with confidence, or (3) the documents use different provision structures.
Is my data secure?▼
Yes. All comparison processing happens locally in your browser. Your document data is stored in your browser's localStorage and is never sent to external servers. Click "New Comparison" to clear all data at any time.
Can I compare more than two documents?▼
Currently, Compare(k) supports side-by-side comparison of exactly two documents. For comparing multiple plans, run separate two-document comparisons or export to CSV and analyze in Excel.
What does "normalized comparison" mean?▼
When determining if values match, we normalize them by converting to lowercase, trimming whitespace, and collapsing multiple spaces. This means "Yes" and "yes" are considered a match, as are "3 years" and "3 years".
How do I try Compare(k) without my own documents?▼
Click the "Sample Scenarios" button in the sidebar or top bar. This loads two example plan extractions so you can explore Compare(k)'s features immediately.
Recent Updates
v1.0January 2026
Initial release of Compare(k) side-by-side comparison tool
Smart difference detection with Match, Different, and Partial status
Filter tabs to focus on all fields, differences only, or matches only
CSV export for documentation and Excel analysis
Print-optimized view for client presentations
Sample Scenarios for instant demonstration
Full integration with Adopt(k) Document Library
Coming SoonQ1 2026
PDF export with branded comparison reports
Inline editing to correct extraction errors
Merge tool to combine provisions from multiple documents
Amendment tracking to compare plan versions over time
🤖 Carl - Your 401(k) Expert
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Carl
Hi, I'm Carl. I've read all the documents you uploaded, along with any instructions you provided in the Advisor Briefing. I can parse fee disclosures, analyze proposals, cross-reference documents, and generate committee-ready reports. Ask me anything about your documents, or click "Download Excel" for a ready-to-use spreadsheet.
Key DifferencesComplianceBest for ParticipantsVendor Questions📊 Download Excel
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AI Comparison Insights
AI Model:
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Ready to Analyze
Click the button below to generate AI-powered insights about the differences between your two documents.
📊Key Differences Summary
⚠️Compliance Implications
💡Recommendations
Analyzing Documents...
The AI is reviewing the differences and generating insights.
⚠️
Analysis Unavailable
Please load two documents first to generate AI insights.
🛡️
Security & Trust
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Your Data Stays Local
Compare(k) processes everything in your browser. Your sensitive plan data never leaves your device.
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Browser Processing
All comparison logic runs locally in JavaScript
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Local Storage
Documents stored only in your browser
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No Server Storage
We never store or log your plan data
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Easy Clearing
Delete all data with one click anytime
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Carl Insights Feature
When you use Carl Insights, document data is sent securely to our AI service for analysis. This data is processed in memory only and is never stored or logged.
✔ SOC 2 Compliant
✔ HTTPS Encrypted
✔ No Tracking
📋
Sample Scenarios
Click any scenario to auto-load realistic document data and see Compare(k) in action.
🛡️
Safe Harbor Comparison
Two plans with different Safe Harbor formulas - Basic Match vs Enhanced Match
Type: AdoptionFields: 138 Differences
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Eligibility Requirements
Immediate eligibility vs 1-year service requirement comparison
Type: AdoptionFields: 106 Differences
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Recordkeeper Proposals
Asset-based vs flat per-participant fee comparison
Type: ProposalFields: 127 Differences
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SECURE 2.0 Amendment
Pre-SECURE 2.0 plan document vs updated 2025 amendment
Type: AmendmentFields: 109 Differences
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Vesting Schedules
6-year graded vs 3-year cliff vesting analysis
Type: AdoptionFields: 105 Differences
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Auto-Enrollment Features
Traditional enrollment vs automatic enrollment with escalation
Type: AdoptionFields: 86 Differences
ℹ️These scenarios represent common document comparisons TPAs encounter. The loaded data will populate both upload zones so you can review before starting the comparison.