Knowa PSCA Survey & Benchmarks

Knowa, powered by PSCA

A 45-second look, then straight to your benchmarks.

ParticipantCan I take a hardship withdrawal?
Committee chairWhy did we change the default in 2022?
ParticipantWhen does my match vest?
AuditorWhere's the 2023 fee review?
Committee memberAre we on track with Roth catch-up?
ParticipantCan I roll in my old 401(k)?
For the people who run US retirement plans
Every question lands
on your desk.

Participants, the committee, the auditor. The answer is somewhere in a plan document, an old email or a former colleague's memory, and someone is waiting.

01 · Knowa Q · a participant asks
Questions answered
confidently.

Ask Knowa Q in plain English. It answers from your plan's own documents and cites the clause, so you can reply with confidence straight away.

Answered instantly.
Cited to the plan.
QAsk KnowaParticipant question
Can a participant take a hardship withdrawal for medical bills?
From your plan's record

Yes. The plan permits hardship withdrawals for unreimbursed medical expenses, from employee contributions only. Requests go through the recordkeeper portal.

Plan document · §7.4 Hardship distributionsSPD · p.12
Answered instantlyCopy reply with sources
01 · Knowa Q · a committee member asks
Briefed before
the meeting ends.

One question, two cited answers: what your committee decided, from the plan's own record, and what PSCA recommends. You know which part comes from which.

Confident answers.
Every source attached.
QAsk KnowaCommittee question
Are we on track with SECURE 2.0 Roth catch-up?
From your plan's record

At the Q1 Investment Committee on 18 March, the committee confirmed payroll provider readiness and scheduled enrollment material updates for Q3.

Q1 Investment Committee minutes · 18 Mar 2026
From PSCA guidance

For participants earning over $145k in prior-year wages, Roth catch-up is mandatory from 2026. Confirm payroll readiness and update enrollment materials first.

PSCA SECURE 2.0 Guidance · 2026 Edition
02 · Smart Vault
Every answer traces back to the record.

Plan document, SPD, IPS, amendments, vendor contracts, Form 5500 and committee minutes. Versioned, permissioned, audit-ready.

The benefits lead moves on.
The record stays.
Smart Vault · Acme 401(k) PlanCommittee only
Plan document & amendmentsv7
Investment Policy Statementv3
Summary Plan DescriptionUpdated Jan 2026
Form 5500 filings · 2015–202511 years
Recordkeeper & advisor contractsPermissioned
Committee minutes · 48 meetingsSearchable
Audit-ready
03 · Meeting Pack
From pack to minutes, in the hour.

Build the pack in minutes with your advisors. The committee reads and annotates before the meeting. Minutes draft themselves, with actions already in the tracker.

Packs from one place, not five.
Minutes in minutes.
1 · Pack
Q2 Investment Committee
Q1 fund performance review
Fee benchmarking report
IPS review · your advisor
Q1 minutes · actions
Built with your advisor
2 · Read & capture
Annotate, then meet
Target-date fund returned 0.4% below benchmark over three years.
Compare against the fee review first?
Knowa Verse capturing the discussion
3 · Minutes
Draft minutes
Committee reviewed the target-date glide path and confirmed the default option.
Re-run fee benchmark · Owner: Committee chair
Update IPS appendix · Owner: Advisor
Participant notice · Owner: HR
Drafted in the hour · 3 actions logged
04 · Collaboration Space
Settle it once.
It stays answered.

@mention your advisor or the committee, agree it between meetings, and the discussion becomes the record, tied to the paper or policy it concerns.

The next time it's asked,
the answer is already there.
Q2 lineup decisionLinked: IPS v3 · §4.2
JR
Jordan R.Committee chair
@Maya can you confirm the fee benchmark before we vote?
MC
Maya C.Investment advisor
Confirmed. Fees sit in line with the peer group.
📎 Fee benchmarking report · p.7
Vote · Approve Q2 lineupCloses Friday
5 of 6 signed off · rationale saved to the record
05 · Onboarding
Live in 30 minutes.
Benefits from day one.

Onboarding on Knowa takes 30 minutes. The benefits are instant: your next pack, minutes and actions already run through it.

0minutes
Space set up Committee invited Documents in Ready
No more tricky questions
For the people
Behind the decision
Book a demo · knowa.co
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