OpenChainGraph Suite · OCG v0.8.7 · ACA Employer Mandate · Cluster ㉒

Benefits Nondiscrimination Composer

Note (dated 2026-08-04): a chain composes independent computations performed in an analytical order. No step's output is carried into the next step by the execution model; each step computes from its own declared inputs. This is true of every chain on this site, including chains whose per-step copy below reads as a data handoff.

Bundles two independent nondiscrimination tests into one plan-year benefits-compliance evidence view: the §125 cafeteria-plan tests (eligibility ratio, contributions-and-benefits ratio, key-employee 25% concentration limit) and the 401(k) ADP/ACP tests (1.25× / 2-and-2× permitted-disparity limits). The two tests run on independent supplied data — there is no output-to-input feed between them; they are composed here for a single plan-year evidence package, not chained.

OpenChainGraph · 2 Steps compliance mandate · Bundled (non-chained) Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII
Not legal or tax advice. Each test recomputes a nondiscrimination result from supplied plan-year facts and fixed or DRAFT-pinned parameters; neither test certifies plan qualification. Consult qualified counsel before relying on either result for a plan-qualification determination.
Bundle Topology (independent, non-chained) — §125 NDT · 401(k) ADP/ACP
§4 Execution Hash · Bundle Definition Anchor
execution_hash:computing…
Bundle Steps · 2 Steps · Independent (no decision gates, no data feed)
1 INDEPENDENT node
§125 Cafeteria Plan Nondiscrimination Tester art-301-section125-ndt
Independent test — no data dependency. Bundled into the plan-year benefits-compliance evidence package.
MCP Call · run_section125_ndt
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "run_section125_ndt",
    "arguments": {
      "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
    }
  },
  "id": 1
}
https://mcp.ainumbers.co/mcp
↔
2 INDEPENDENT node
401(k) ADP/ACP Nondiscrimination Tester art-302-401k-adp-acp-test
Independent test — no data dependency. Bundled into the plan-year benefits-compliance evidence package.
MCP Call · run_401k_adp_acp_test
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "run_401k_adp_acp_test",
    "arguments": {
      "method": "current_year",
      "adp_hce_pct": 0.06,
      "adp_nhce_pct": 0.05,
      "acp_hce_pct": 0.04,
      "acp_nhce_pct": 0.035
    }
  },
  "id": 2
}
https://mcp.ainumbers.co/mcp
Export Bundle Artifact
Download the §4 bundle definition artifact (hash-anchored JSON). The artifact encodes the complete bundle definition. Available after hash computation.

Ask your agent

Copy this paragraph into Claude, OpenClaw, or any MCP-aware agent to run this whole workflow on the server and check one field that answers a real question.

Question: Open enrollment just closed. Do HCE deferral rates clear the ADP and ACP limits this year, or do we owe corrections?
Run the AINumbers MCP tool `run_chain` with {"chain":"benefits-nondiscrimination-composer"} and read `art-302-401k-adp-acp-test.all_tests_pass`.
Re-run with `inputs` for `art-302-401k-adp-acp-test`, reusing the values that result echoed, with `adp_hce_pct` set to 0.08. Compare the same field.
Verify: call `verify_execution_hash` (https://mcp.ainumbers.co/mcp) with `claimed_hash` set to `composite_execution_hash` and the full `composite_artifact`.
Ledger, for a human re-check: https://ledger.ainumbers.co/
PII rule: send synthetic or anonymised inputs only. The MCP server runs these kernels and logs no payloads.
Chain page: https://ainumbers.co/chaingraph/chains/benefits-nondiscrimination-composer.html