OpenChainGraph Suite · ART-301 · ACA employer mandate · Cafeteria plans

§125 Cafeteria Plan Nondiscrimination Tester

Runs the §125 cafeteria-plan nondiscrimination tests from supplied aggregate participant counts: an eligibility-ratio test and a contributions-and-benefits ratio test (both a §410(b)-style ratio-percentage analogy — the IRS has never finalized regs under §125(g)(3), DRAFT pending final rules), and the statutory key-employee 25% concentration limit (IRC §125(b)(2), fixed). Reports per-test pass/fail plus the concentration ratio. Aggregate counts only, never per-employee PII.

ACA Employer Mandate§125(b)(2) 25% limit · fixedEligibility/benefits ratio · DRAFTZero PII
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Scope
Independent test — bundled with art-302 (401(k) ADP/ACP) in the benefits-nondiscrimination-composer for one plan year's benefits-compliance evidence package. No data dependency between the two tests. Not legal or tax advice — a plan-qualification opinion requires qualified counsel.
Presets
Aggregate Count Inputs
Result
Execution Hash & §4 Artifact
SHA-256 execution hash (JCS canonical, RFC 8785):

      

        
        
        
        
        
      

    

  


  
  

    

  







  

    
Ask your agent

    
  

  
Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this exact tool, with this sample, and verify the artifact.

  
Run the AINumbers MCP tool `run_section125_ndt`. Task: Run the §125 cafeteria-plan nondiscrimination tests (eligibility ratio, contributions-and-benefits ratio, key-employee 25% concentration) from supplied aggregate participant counts.
Call it with arguments: {"policy_parameters":{"nhce_eligible_count":180,"nhce_total_count":200,"hce_eligible_count":20,"hce_total_count":20,"nhce_avg_benefit_pct":0.06,"hce_avg_benefit_pct":0.055,"key_employee_elected_total":15000,"total_elected_all_participants":100000}}
Verify before trusting: call `verify_execution_hash` on mcp.ainumbers.co (https://mcp.ainumbers.co/mcp) with the parameter `claimed_hash` set to the returned `execution_hash`, passing the full artifact the run returned (the object containing `policy_parameters` + `output_payload` + `execution_hash`; equivalently `policy_parameters` + `output_payload` with `claimed_hash`), not the bare hash string.
Return the ledger link https://ledger.ainumbers.co/ so a human can re-verify without contacting us.
PII rule: All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Open the tool with the sample prefilled: https://ainumbers.co/chaingraph/art-301-section125-ndt.html#p=v1.H4sIAAAAAAAA_wHiAB3_eyJuaGNlX2VsaWdpYmxlX2NvdW50IjoxODAsIm5oY2VfdG90YWxfY291bnQiOjIwMCwiaGNlX2VsaWdpYmxlX2NvdW50IjoyMCwiaGNlX3RvdGFsX2NvdW50IjoyMCwibmhjZV9hdmdfYmVuZWZpdF9wY3QiOjAuMDYsImhjZV9hdmdfYmVuZWZpdF9wY3QiOjAuMDU1LCJrZXlfZW1wbG95ZWVfZWxlY3RlZF90b3RhbCI6MTUwMDAsInRvdGFsX2VsZWN0ZWRfYWxsX3BhcnRpY2lwYW50cyI6MTAwMDAwfdNDBzDiAAAA