ERISA & 401(k) Compliance Specialist

Monograph; California (MO); On-site; USD 62,000 - 91,000; Full time

Job summary

Gusto, a fast-growing fintech employer, is seeking a Retirement Compliance Specialist to ensure ERISA compliance and oversee 401(k) plan administration. You will translate dense ERISA requirements into actionable guidance for Sales, Conversion Ops, and Customer Experience teams while shaping internal tooling and training materials.

You will collaborate across Legal & Compliance and other teams to interpret regulations, review Adoption Agreements, and support complex plan changes with an eye

Qualifications

• 3–5 years of experience in 401(k)/defined contribution plan administration, compliance, or ERISA.
• Strong working knowledge of IRS and ERISA regulations governing retirement plans.
• Experience reviewing plan documents (Adoption Agreements, plan provisions) and translating them into operational guidance.
• Comfort partnering cross‑functionally with Sales, Conversion Ops, and Legal & Compliance on ambiguous, escalated issues.
• Strong written and verbal communication skills — able to distill complex ERISA concepts for audiences without a compliance background.
• Experience building training materials or documentation for non‑specialist teams.
• AI literacy: comfortable using and helping refine AI‑assisted tools for plan review and setup, and identifying where automation can responsibly take on routine work.
• Exceptional attention to detail and organizational skills, even under deadline pressure.
• Professional designations such as QKA, QPA, CRPS, or CKP are a plus, but not required.

Responsibilities

• Serve as the ERISA/compliance escalation point for Conversion Ops and Sales on complex plan provisions, eligibility questions, and Adoption Agreement interpretation.
• Own end‑to‑end quality assurance for the plan review process — validating each build against the signed Adoption Agreement, and developing the internal tooling and business rules that support the review process at scale.
• Conduct plan reviews for new and converting 401(k) plans, translating complex legal plan documents into clear, accurate guidance for internal teams and customers.
• Build and deliver internal training and reference materials so Conversion Ops, Sales, and Customer Experience teams can handle routine plan questions independently.
• Partner with Legal & Compliance on regulatory interpretation and sign‑off for higher‑risk plan changes.
• Identify and champion opportunities to use AI tools and automation to reduce manual review time while strengthening accuracy across plan setup and compliance workflows.

Skills

ERISA compliance

Plan administration

Regulatory interpretation

Cross-functional collaboration

AI tools familiarity

Job description

Gusto, a fast-growing fintech employer, is seeking a Retirement Compliance Specialist to ensure ERISA compliance and oversee 401(k) plan administration. You will translate dense ERISA requirements into actionable guidance for Sales, Conversion Ops, and Customer Experience teams while shaping internal tooling and training materials.

You will collaborate across Legal & Compliance and other teams to interpret regulations, review Adoption Agreements, and support complex plan changes with an eye