Solved People Cloud 401(k) and Retirement Help

An employee searches for solved people cloud 401(k) after changing a retirement contribution from 4% to 8%.

The election appears correctly in the retirement portal, but the next paycheck still uses the old percentage.

Another employee sees a 401(k) deduction on the pay statement, yet the retirement account balance has not increased. Someone else receives an employer match but notices that the vested balance is lower than the total account balance.

A former employee wants to move retirement savings into a new employer’s plan or an IRA but cannot find a rollover button inside People Cloud.

These situations can involve several different systems and processing stages:

• Employee enrollment.
• Contribution election.
• Traditional or Roth designation.
• Payroll effective date.
• Payroll deduction.
• Employer matching calculation.
• Retirement-provider transmission.
• Investment processing.
• Vesting.
• Beneficiary designation.
• Loan repayment.
• Distribution eligibility.
• Rollover processing.

The official platform name is isolved People Cloud. The phrase solved people cloud is a common search variation that omits the initial letter “i.”

isolved currently offers retirement-plan services and payroll-connected 401(k) options. Its public materials state that retirement plans can connect directly with isolved People Cloud to automate contributions, reporting, and administrative processes. Employers can also connect payroll with outside retirement providers through integrations.

This is an independent informational guide. It is not operated by isolved, an employer, a retirement-plan administrator, an investment adviser, the IRS, or the Department of Labor. It cannot change contribution elections, calculate investment returns, approve withdrawals, determine plan eligibility, issue a rollover, or collect employee credentials.

Is Solved People Cloud the Official Name?

No.

The official name is:

isolved People Cloud

Employees may search for:

• solved people cloud 401k
• solved people cloud retirement
• solved people cloud employer match
• solved people cloud Roth 401k
• solved people cloud vesting
• solved people cloud retirement deduction
• solved people cloud 401k loan
• solved people cloud rollover
• i solved people cloud retirement
• isolved People Cloud 401(k)

These searches generally refer to the same HR and payroll platform.

The actual retirement account may be administered through:

• isolved Retirement Services.
• isolved 401(k).
• A pooled employer plan.
• An outside recordkeeper.
• A financial institution.
• Another employer-selected retirement provider.

People Cloud can display or transmit payroll information without necessarily serving as the employee’s full investment-account portal.

What Is a 401(k)?

A 401(k) is a qualified employer-sponsored retirement arrangement that permits employees to contribute part of their wages to individual plan accounts.

Traditional elective deferrals are generally excluded from current taxable income for federal income-tax purposes, while designated Roth contributions are treated differently. Employers can also make contributions under the terms of the plan.

A 401(k) account can contain:

• Employee traditional contributions.
• Employee Roth contributions.
• Employer match.
• Employer nonelective contributions.
• Profit-sharing contributions.
• Rollover money.
• Investment gains.
• Investment losses.
• Loan activity.
• Fees.

The employer’s plan document controls which features are available.

People Cloud Versus the Retirement Recordkeeper

Employees should distinguish between two systems.

People Cloud

May control or display:

• Payroll deductions.
• Pay statements.
• Employee eligibility data.
• Compensation.
• Hire date.
• Contribution file transmission.
• Employer match payroll information.

Retirement Recordkeeper

May control or display:

• Investment elections.
• Account balance.
• Vested balance.
• Beneficiaries.
• Loans.
• Withdrawals.
• Distribution forms.
• Rollover instructions.
• Transaction history.

An employee can therefore see a correct payroll deduction in People Cloud while the retirement-provider account still shows the prior balance.

Where to Find Retirement Information

Navigation varies by employer.

Look for sections such as:

• Benefits.
• Retirement.
• 401(k).
• Savings.
• Benefit Enrollment.
• Pay and Tax.
• Deductions.
• My Benefits.
• Retirement Services.
• External Links.

The employee may also receive a separate account link from:

• Retirement recordkeeper.
• Plan administrator.
• Benefits team.
• HR.
• Enrollment email.

Do not assume the People Cloud username and password will work directly at an outside retirement provider.

Retirement Menu Is Missing

Possible reasons include:

• Employee is not yet eligible.
• Employer does not offer a 401(k).
• Enrollment window has not opened.
• Waiting period remains.
• Employer uses another retirement portal.
• Employee opened the wrong People Cloud profile.
• Employment classification is wrong.
• Retirement access appears only through an external link.
• Plan enrollment is automatic.
• Recordkeeper invitation has not been issued.

Useful request:

“I can access People Cloud, but no retirement or 401(k) option appears. Please confirm my eligibility date, plan provider, enrollment process, and the correct account portal.”

Do not create another employee account to make retirement access appear.

Eligibility

A retirement plan can apply eligibility rules involving:

• Age.
• Service.
• Employment classification.
• Hours.
• Union status.
• Work location.
• Rehire history.
• Plan entry date.

Eligibility does not always begin on the hire date.

Possible stages include:

1. Employee satisfies eligibility conditions.
2. Employee reaches a plan entry date.
3. Enrollment is opened.
4. Payroll election becomes effective.
5. First contribution is deducted.
6. Contribution reaches the recordkeeper.

Ask for the official Summary Plan Description or enrollment materials when the timing is unclear.

Automatic Enrollment

Some plans automatically enroll eligible employees at a default contribution rate.

The employee may be permitted to:

• Keep the default.
• Increase the rate.
• Decrease the rate.
• Change investment elections.
• Opt out.
• Request a permissible withdrawal under applicable plan rules.

An automatic deduction is not necessarily an unauthorized payroll change.

Check:

• Enrollment notice.
• Default percentage.
• Effective date.
• Opt-out deadline.
• Plan terms.

How to Change a Contribution

A typical process can include:

1. Open the official employer or retirement-provider route.
2. Confirm the correct plan.
3. Review the current contribution election.
4. Choose traditional, Roth, or both where available.
5. Enter a percentage or dollar amount.
6. Review plan and payroll limitations.
7. Confirm the effective date.
8. Submit the election.
9. Save the confirmation.
10. Review a future completed pay statement.
11. Compare the deduction with the retirement account.

The election can be entered through People Cloud or the retirement recordkeeper depending on employer setup.

Saved Does Not Mean Submitted

A contribution change can remain:

• Draft.
• Pending Confirmation.
• Submitted.
• Pending Payroll.
• Scheduled.
• Effective.
• Canceled.

The employee may enter 8% but fail to select the final confirmation button.

Useful request:

“My retirement portal displays an 8% election, but I cannot confirm whether it was submitted to payroll. Please verify the submission date, effective date, and first paycheck that should use it.”

Submitted Does Not Mean Immediate

A contribution change may miss the current payroll cutoff.

Possible timing issues include:

• Payroll already calculated.
• Election becomes effective next pay period.
• Recordkeeper sends changes on a scheduled file.
• Employer approval remains.
• Future effective date was selected.
• Pay period differs from pay date.

Useful request:

“I increased my contribution before payday, but the completed paycheck still uses the old rate. Please confirm the payroll cutoff and first effective pay date.”

Percentage Versus Flat Dollar

A plan can allow:

• Percentage of eligible compensation.
• Flat dollar amount.
• Separate traditional and Roth percentages.
• Bonus contribution election.
• Catch-up contribution election.

Example:

Traditional contribution: 5%
Roth contribution: 3%
Total employee election: 8%

Another employee may enter:

Traditional contribution: $150 per paycheck

Do not confuse a flat-dollar election with a percentage.

Traditional 401(k) Contributions

Traditional elective deferrals generally reduce current federal taxable income, although they remain subject to Social Security and Medicare tax under ordinary rules.

The pay statement can therefore show different amounts for:

• Gross wages.
• Federal taxable wages.
• Social Security wages.
• Medicare wages.

The exact payroll presentation depends on employer configuration.

Roth 401(k) Contributions

Designated Roth contributions are included in current taxable income but can receive different tax treatment when qualified distributions are later made.

A Roth payroll deduction does not generally reduce current federal taxable wages in the same way as a traditional elective deferral.

The employee should not select Roth solely because the word “tax-free” appears in a general explanation.

Personal decisions can depend on:

• Current income.
• Expected future tax situation.
• Age.
• Savings goals.
• Other retirement accounts.
• Plan features.

Qualified financial or tax guidance may be appropriate.

Traditional and Roth at the Same Time

A plan may allow contributions to be split between traditional and Roth sources.

Example:

Traditional: 4%
Roth: 4%

The combined elective deferrals generally count toward the applicable employee annual limit.

Do not assume each source has a separate full annual limit.

2026 Employee Contribution Limit

For 2026, the basic elective-deferral limit for applicable 401(k), 403(b), and governmental 457 arrangements is $24,500, subject to plan rules and compensation limits.

The limit generally applies across the employee’s elective deferrals to covered plans rather than separately to every employer account.

An employee who changes jobs during the year should consider contributions made through both employers.

2026 Catch-Up Contributions

A plan can permit additional catch-up contributions for eligible participants who are age 50 or older by the end of the calendar year.

For 2026, the general catch-up amount for applicable plans is $8,000.

A higher catch-up limit applies for eligible participants who turn ages 60 through 63 during the calendar year. For 2026, that higher amount is $11,250.

The plan must permit catch-up contributions.

Contribution Limit Is Not a Recommended Amount

An IRS maximum is a legal or tax-plan limit, not a recommendation that every employee should contribute that amount.

The appropriate election can depend on:

• Income.
• Expenses.
• Emergency savings.
• Debt.
• Employer match.
• Retirement goals.
• Other plans.
• Tax considerations.

This page does not provide individualized investment advice.

Contribution Stopped Automatically

Possible reasons include:

• Annual limit reached.
• Payroll limit reached.
• Employee changed elections.
• Compensation was insufficient.
• Deduction priority prevented the full amount.
• Employment status changed.
• Plan eligibility ended.
• Recordkeeper rejected the contribution.
• Payroll error.

Useful request:

“My 401(k) deduction stopped even though my election remains active. Please confirm my year-to-date elective deferrals, plan limit, eligible compensation, and payroll deduction status.”

Contribution Is Lower Than Expected

Example:

Election: 10%
Gross pay: $2,000
Expected by employee: $200
Actual deduction: $170

Possible reasons include:

• Contribution applies only to eligible compensation.
• Reimbursement is excluded.
• Certain bonuses are excluded.
• Pretax deduction priority.
• Annual limit is approaching.
• Flat-dollar election exists.
• Traditional and Roth amounts were split.
• Loan repayment was confused with contribution.
• Employer plan definition differs from total gross pay.

Ask which earnings are considered eligible plan compensation.

Contribution Is Higher Than Expected

Possible reasons include:

• Percentage applies to bonus.
• Catch-up contribution is active.
• Payroll corrected a missed deduction.
• Employee has traditional and Roth elections.
• Flat dollar and percentage elections are both active.
• Prior-period adjustment.
• Election was entered incorrectly.

Useful request:

“My retirement deduction exceeds the percentage I expected. Please identify the active traditional, Roth, catch-up, bonus, and correction elections used for this payroll.”

Contribution Missing From Paycheck

Possible causes include:

• Election missed payroll cutoff.
• Employee is not yet eligible.
• Pay is insufficient.
• No eligible compensation.
• Election was saved but not submitted.
• Contribution was stopped.
• Wrong employee profile.
• Payroll error.
• Leave or unpaid period.
• Annual limit reached.

Check:

• Election confirmation.
• Effective date.
• Pay-period dates.
• Completed pay statement.
• Year-to-date contributions.

Paycheck Deduction Is Missing From Retirement Account

A payroll deduction and retirement-account deposit are separate events.

Possible stages include:

1. Payroll deducts contribution.
2. Employer completes payroll.
3. Contribution file is sent.
4. Funds are transmitted.
5. Recordkeeper processes the deposit.
6. Investments are purchased.
7. Account balance updates.

isolved describes payroll integration as a way to automate data flow between payroll and retirement providers and reduce manual file handling.

A short delay does not necessarily mean the contribution is lost.

Contribution Has Been Missing for Several Pay Periods

Contact HR, payroll, or the plan administrator promptly.

Provide:

• Pay dates.
• Deduction amounts.
• Pay statements.
• Retirement transaction history.
• Plan account.
• Employee ID.
• Missing total.

Useful request:

“My pay statements show 401(k) deductions for three pay dates, but those contributions do not appear in the retirement account. Please trace the payroll transmission and recordkeeper posting for each payroll.”

Do not send retirement credentials or complete account numbers through an insecure channel.

Investment Value Can Change

The retirement account balance can rise or fall because of:

• Contributions.
• Employer match.
• Investment gains.
• Investment losses.
• Fees.
• Loan activity.
• Withdrawals.
• Market movement.

A payroll contribution of $200 does not guarantee the account balance will increase by exactly $200 over the same period.

Employer Match

An employer match is a contribution made under the plan’s formula.

Possible formulas include:

• Dollar-for-dollar match.
• Partial match.
• Match up to a percentage of compensation.
• Tiered formula.
• Discretionary match.
• Annual true-up.
• Per-pay-period match.

Example:

Employer matches 50% of employee contributions up to 6% of eligible pay.

An employee contributing 6% may receive a match equal to 3% of eligible pay under that example.

The actual plan formula controls.

Match Does Not Always Appear on Every Paycheck

Possible match timing includes:

• Every payroll.
• Monthly.
• Quarterly.
• Annually.
• After year-end.
• After eligibility is confirmed.
• Through a true-up process.
• Discretionary declaration.

Do not assume missing per-pay match means the employer will never contribute.

Review the plan description.

Match Is Lower Than Expected

Possible reasons include:

• Employee contributed below the required level.
• Match formula is partial.
• Compensation is limited.
• Bonus is excluded.
• Employee became eligible midyear.
• Match is calculated per payroll.
• Annual true-up occurs later.
• Employee reached an annual limit.
• Plan or payroll error.

Useful request:

“My employer contribution is lower than I expected. Please provide the match formula, eligible compensation, contribution percentage, per-pay calculation, and any year-end true-up provision.”

Match and Front-Loading

An employee who contributes a high percentage early in the year can reach the annual limit before year-end.

If the employer matches each payroll without a true-up, later payrolls with no employee contribution may produce no match.

Whether a true-up applies depends on the plan.

Do not assume maximizing contributions early will always maximize the employer match.

Employer Nonelective Contribution

Some employers contribute even when the employee does not make an elective deferral.

This can be called:

• Nonelective contribution.
• Employer contribution.
• Profit sharing.
• Safe-harbor contribution.
• Fixed contribution.

It is separate from an ordinary matching formula.

Vesting

Vesting determines the portion of certain employer contributions that the employee has a nonforfeitable right to retain.

Employee salary deferrals are immediately 100% vested. The employee retains those contributions, adjusted for investment gains or losses. Employer contributions can be subject to the plan’s vesting schedule.

This distinction explains why an account can show:

• Total balance: $18,000
• Vested balance: $14,500

The difference can represent unvested employer contributions.

Common Vesting Schedules

A traditional plan can use schedules permitted by applicable law and its plan document.

Department of Labor guidance describes examples including:

• Three-year cliff vesting.
• Graduated vesting that reaches 100% after six years.

Under the graduated example, vesting is at least 20% after two years, 40% after three, 60% after four, 80% after five, and 100% after six.

Other plan types can apply different rules.

Safe-Harbor Contributions

Required safe-harbor employer contributions are generally fully vested, while traditional matching or profit-sharing contributions can use a vesting schedule permitted by the plan.

Employees should check the Summary Plan Description rather than assuming every employer contribution vests immediately.

Years of Service

Vesting service can be calculated according to plan rules involving:

• Hire date.
• Hours worked.
• Plan year.
• Elapsed time.
• Breaks in service.
• Rehire.
• Prior related-company service.

The People Cloud hire date alone may not fully explain the displayed vested percentage.

Useful request:

“My vested percentage does not match my expected service period. Please provide the plan’s vesting schedule and the service dates or hours used in the calculation.”

Leaving Before Fully Vested

When employment ends, the employee generally keeps:

• Employee contributions.
• Vested employer contributions.
• Related gains or losses.

Unvested employer contributions can be forfeited under the plan terms.

Do not assume the entire displayed account balance will be available for rollover.

Review the vested balance.

Rehire and Restored Vesting

A rehired employee may receive credit for prior service depending on:

• Length of break.
• Plan terms.
• Prior forfeiture.
• Repayment rules.
• Related employer service.

Ask the plan administrator to review prior service.

Do not rely solely on the new People Cloud hire date.

Retirement Beneficiary

Beneficiaries are usually managed through the retirement recordkeeper rather than through an ordinary People Cloud emergency-contact field.

Adding someone as:

• Emergency contact.
• Benefits dependent.
• Life-insurance beneficiary.

does not necessarily make that person the retirement-plan beneficiary.

Review the designated beneficiary inside the retirement account.

Beneficiary Is Missing

Possible reasons include:

• Recordkeeper account not activated.
• Election saved but not submitted.
• Spousal-consent requirement.
• Beneficiary percentages do not equal 100%.
• Employee opened another plan.
• Prior designation did not transfer after provider conversion.

Useful request:

“My retirement account does not show the beneficiary designation I submitted. Please confirm whether the election was completed and whether additional consent or documentation is required.”

Retirement Plan Loan

Some 401(k) plans permit participant loans.

Possible loan terms can include:

• Minimum amount.
• Maximum amount.
• Interest rate.
• Repayment period.
• Payroll deduction.
• Origination fee.
• Primary-residence provisions.
• Default rules.

The plan is not required to offer loans.

A loan request is generally handled through the plan recordkeeper, not through an ordinary People Cloud payroll deduction screen.

Loan Repayment on Pay Stub

A retirement-plan loan repayment can appear as a separate payroll deduction.

It is not the same as:

• Traditional contribution.
• Roth contribution.
• Employer match.

An employee can therefore see:

• 401(k) contribution: $150
• 401(k) loan repayment: $95

The loan payment does not increase elective deferrals under the same rules as a new contribution.

Loan Deduction Missing

Possible reasons include:

• Loan payroll setup has not started.
• Employee changed employers.
• Leave reduced pay.
• Payroll deduction was stopped.
• Recordkeeper file failed.
• Loan was refinanced.
• Loan is paid outside payroll.
• Payroll error.

Contact the plan administrator promptly because missed repayments can have plan and tax consequences.

Loan After Leaving Employment

Plan terms determine what happens to an outstanding loan after separation.

Possible outcomes include:

• Continued direct repayment.
• Required payoff.
• Loan offset.
• Distribution reporting.
• Another plan-specific process.

Do not assume a rollover automatically transfers an outstanding loan.

Obtain plan-specific instructions.

Hardship Withdrawal

Some plans allow hardship distributions under specific conditions.

Possible requirements include:

• Eligible hardship reason.
• Supporting certification.
• Available account source.
• Plan approval.
• Tax withholding.
• Distribution fee.

A hardship distribution is not a loan and generally does not return automatically to the account.

This guide does not determine whether an employee qualifies.

Ordinary Withdrawal While Employed

A 401(k) is not generally an unrestricted savings account.

Plan distributions can be limited by:

• Age.
• Separation from service.
• Disability.
• Hardship.
• Plan termination.
• Qualified birth or adoption provisions.
• Other statutory and plan rules.

Contact the recordkeeper for the plan’s available distribution options.

Leaving the Employer

After separation, an employee may be able to:

• Leave money in the former plan, subject to plan rules.
• Roll it into a new employer plan that accepts rollovers.
• Roll it into an IRA.
• Take a taxable distribution.
• Use another permitted option.

People Cloud access and retirement-account access can be different.

Losing People Cloud access does not mean the retirement assets disappear.

Direct Rollover

A direct rollover generally sends eligible retirement funds directly from the old plan to another eligible plan or IRA.

The IRS explains that retirement-plan rollovers generally preserve tax deferral until later withdrawal.

A direct rollover can reduce the complications associated with receiving the money personally.

The receiving plan must accept the rollover.

60-Day Rollover

When an employee receives an eligible distribution personally, a rollover may generally need to be completed within 60 days to obtain rollover treatment, subject to applicable rules and exceptions.

The IRS explains that amounts not rolled over can become taxable, while rollovers are still reportable.

Do not request a cash distribution when the intent is a direct rollover without understanding withholding and timing consequences.

Rollover to a New Employer Plan

A new employer’s plan is not required to accept every rollover.

Ask the new plan administrator:

• Does the plan accept incoming rollovers?
• Which account types are accepted?
• Is pretax money accepted?
• Is Roth 401(k) money accepted?
• What documentation is needed?
• How should the check be payable?
• Where should funds be sent?

The IRS states that a receiving plan should take reasonable steps to verify that an incoming rollover is eligible.

Rollover to an IRA

An employee may consider moving eligible assets to:

• Traditional IRA.
• Roth IRA where appropriate.
• Another eligible retirement arrangement.

Tax treatment can differ when pretax money is converted to Roth.

Obtain qualified guidance before directing different contribution sources.

Pretax and Roth Sources

A retirement account can contain multiple money sources:

• Pretax employee contributions.
• Roth employee contributions.
• After-tax contributions.
• Employer match.
• Rollover source.
• Profit sharing.

Rollover instructions should identify the correct destination for each source.

The IRS provides specific guidance regarding rollovers of pretax and after-tax amounts to different destinations.

Do not assume the entire account should be made payable to one account type.

Rollover Check

A rollover check can be payable:

• Directly to the new custodian for the employee’s benefit.
• To the employee personally.
• Under another recordkeeper-specific format.

The payee wording matters.

Follow the receiving institution’s exact instructions.

Do not deposit a direct-rollover check into a personal checking account.

Distribution Check Never Arrived

Possible reasons include:

• Address is outdated.
• Request remains pending.
• Identity verification failed.
• Former employer approval remains.
• Check was mailed.
• Funds were sent electronically.
• Rollover check went directly to the new provider.
• Distribution was canceled.

Useful request:

“My retirement distribution or rollover request was approved, but no funds or check have been received. Please confirm the payment method, payee, mailing address, processing date, and tracking information where available.”

1099-R

A retirement distribution can generate Form 1099-R.

Receiving a 1099-R does not necessarily mean the entire distribution is taxable.

Rollovers are generally reportable even when they receive tax-deferred treatment.

Employees should retain:

• Distribution confirmation.
• Rollover confirmation.
• Checks.
• Deposit records.
• Form 1099-R.
• Receiving-account statement.

Retirement Deduction and W-2

Traditional employee elective deferrals can affect federal taxable wages shown on Form W-2.

Roth elective deferrals are treated differently.

Retirement contribution codes can also appear in W-2 Box 12.

A W-2 question should be directed to payroll, while an investment-balance question should be directed to the retirement recordkeeper.

Contribution Correction

Possible contribution errors include:

• Wrong percentage.
• Deduction missed.
• Deduction continued after opt-out.
• Traditional entered instead of Roth.
• Roth entered instead of traditional.
• Contribution exceeded limit.
• Deduction sent to wrong employee account.
• Employer match incorrect.
• Contribution transmitted late.

Contact:

• Payroll.
• HR or benefits.
• Plan administrator.
• Recordkeeper.

Do not try to offset an error by entering a random opposite election.

Contribution Continued After Opt-Out

Possible reasons include:

• Opt-out missed cutoff.
• Election was saved but not submitted.
• Automatic enrollment restarted.
• Wrong plan was changed.
• Payroll did not receive the file.
• Current paycheck was already processed.

Useful request:

“I opted out of the retirement plan, but the next paycheck still includes a deduction. Please confirm the election submission date, payroll cutoff, and whether a refund or plan correction process applies.”

Wrong Contribution Type

Example:

Employee intended: Roth 6%
Payroll processed: Traditional 6%

Contact payroll and the plan administrator immediately.

Do not assume the source can be relabeled by editing a current election.

The correction can require plan-specific processing.

Contribution Exceeded the Annual Limit

This can occur when:

• Employee changed jobs.
• Multiple plans were used.
• Payroll records were incomplete.
• Catch-up eligibility was wrong.
• Employer did not know prior contributions.
• Payroll error occurred.

Provide payroll with year-to-date contributions from all applicable employers.

The IRS 2026 basic elective-deferral limit is $24,500, with additional catch-up limits for eligible participants.

Ask for the plan’s excess-deferral correction process promptly.

Employer Match Was Removed

Possible reasons include:

• Vesting forfeiture after separation.
• Contribution was corrected.
• Payroll was reversed.
• Employee became ineligible.
• Match calculation changed.
• Recordkeeper corrected duplicate funding.
• Investment value declined.

Review the transaction history before assuming the employer removed vested funds.

Balance Is Zero

Possible explanations include:

• Wrong retirement provider.
• Wrong plan year or employer.
• Account was rolled over.
• Distribution occurred.
• Contribution has not posted.
• Employee is not enrolled.
• Recordkeeper conversion.
• Duplicate profile.
• Account registration is incomplete.

Useful request:

“My pay statements show retirement deductions, but the retirement portal displays a zero balance. Please confirm the plan provider, account identity, contribution transmissions, and any conversion or rollover activity.”

Retirement Account Phishing

A fraudulent message may claim:

• Employee must verify the 401(k) immediately.
• Employer match will be lost.
• Retirement funds are frozen.
• A fee is required to release a rollover.
• HR needs the employee’s password.
• A caller needs a one-time code.
• Banking login is required.
• Cryptocurrency must be purchased.
• Remote-access software must be installed.

Open the retirement account independently through the employer or recordkeeper’s official route.

A legitimate administrator should not need:

• Current People Cloud password.
• Recordkeeper password.
• One-time authentication code sent to a caller.
• Online banking password.
• Debit-card PIN.
• Gift cards.
• Cryptocurrency.
• Remote control of the employee’s device.

Fake Rollover Adviser

A scammer can contact a former employee after a job change and claim to represent:

• isolved.
• Former employer.
• New employer.
• Retirement provider.
• Financial institution.

Verify:

• Company.
• Official domain.
• Plan telephone number.
• Account portal.
• Written distribution notice.
• Check payee instructions.

Do not transfer retirement assets based only on an unsolicited call or message.

Unauthorized Contribution Change

Warning signs include:

• Contribution percentage changed.
• Traditional or Roth source changed.
• Beneficiary changed.
• Loan requested.
• Distribution requested.
• Address changed.
• Unknown authentication code.
• New bank information.
• Unexpected rollover email.

Take these steps:

1. Contact the retirement recordkeeper.
2. Contact payroll and HR.
3. Secure the People Cloud account.
4. Secure the retirement account.
5. Change passwords.
6. Review authentication methods.
7. Secure the connected email.
8. Ask the administrators to preserve activity logs.
9. Review recent pay statements and account transactions.
10. Obtain incident references.

Another Employee’s Retirement Information Appears

Stop viewing it.

Do not:

• Review balance.
• Change contribution.
• View beneficiaries.
• Request a loan.
• Download statements.
• Contact the employee.
• Share screenshots.

Notify HR, the plan administrator, or employer security immediately.

Useful Missing-Retirement-Menu Request

“I can access People Cloud, but no retirement option appears. Please confirm my eligibility date, plan provider, enrollment process, and correct portal.”

Useful Contribution Request

“My retirement election shows a new percentage, but payroll still uses the prior rate. Please confirm the submission date, payroll cutoff, and first effective pay date.”

Useful Missing-Deposit Request

“My pay statements show retirement deductions that have not appeared in the recordkeeper account. Please trace the payroll transmission and posting for each affected pay date.”

Useful Match Request

“My employer match is lower than expected. Please provide the plan formula, eligible compensation, per-pay calculation, vesting treatment, and any annual true-up.”

Useful Vesting Request

“My vested balance is lower than my total balance. Please provide the vesting schedule and service calculation used for my employer contributions.”

Useful Loan Request

“My retirement-plan loan repayment is missing or incorrect on payroll. Please confirm the loan deduction schedule and whether the recordkeeper received the payment.”

Useful Rollover Request

“My employment ended, and I need the official rollover options, vested balance, distribution forms, plan contact, and direct-rollover instructions.”

Useful Limit Request

“My year-to-date contributions may exceed the annual elective-deferral limit because I changed employers. Please provide the plan’s excess-contribution correction process.”

Useful Security Request

“A contribution, beneficiary, loan, or distribution request occurred without my authorization. Please secure the account, preserve activity history, and stop any pending transaction where possible.”

These requests provide useful information without exposing passwords, authentication codes, complete retirement account numbers, or personal financial credentials.

Who Should Handle Each Issue?

Contact Payroll About:

• Paycheck deduction.
• Effective date.
• Traditional or Roth payroll code.
• Loan repayment.
• W-2 treatment.
• Missing deduction.
• Excess contribution.
• Payroll correction.

Contact HR or Benefits About:

• Eligibility.
• Enrollment date.
• Plan provider.
• Employer match.
• Plan documents.
• Employee classification.
• Separation process.
• Missing retirement menu.

Contact the Retirement Recordkeeper About:

• Account balance.
• Investments.
• Beneficiary.
• Vesting display.
• Loan.
• Hardship request.
• Withdrawal.
• Distribution.
• Rollover.
• Account statements.

Contact the Plan Administrator About:

• Plan terms.
• Eligible compensation.
• Vesting schedule.
• Match formula.
• Service credit.
• Correction process.
• Distribution eligibility.

Contact a Qualified Financial or Tax Professional About:

• Traditional versus Roth.
• Personal contribution amount.
• Rollover destination.
• Roth conversion.
• Investment allocation.
• Distribution tax consequences.

Official isolved retirement materials describe payroll-connected plan administration, but the employer and plan fiduciaries remain responsible for the plan’s specific terms.

Frequently Asked Questions

Is Solved People Cloud the Official Name?

The official name is isolved People Cloud. “Solved People Cloud” is a common search variation.

Does isolved Offer 401(k) Services?

Yes. isolved currently offers retirement services and payroll-connected 401(k) options, including a pooled employer plan.

Can People Cloud Connect to Another 401(k) Provider?

Yes. isolved’s Marketplace describes payroll integrations connecting People Cloud payroll data with multiple retirement and benefits providers.

Why Did My Contribution Change Not Affect the Next Check?

The election may have missed payroll cutoff, remained incomplete, or have a future effective date.

Why Is a Deduction Missing From the Retirement Account?

Payroll deduction, contribution transmission, recordkeeper posting, and investment processing occur at separate stages.

What Is the 2026 401(k) Employee Limit?

The basic elective-deferral limit is $24,500 for 2026, subject to plan and compensation rules.

What Is the 2026 Catch-Up Limit?

The general catch-up amount is $8,000 for eligible participants age 50 or older. Eligible participants ages 60 through 63 can have a higher 2026 limit of $11,250.

Is My Own Contribution Always Vested?

Employee salary deferrals are immediately 100% vested, adjusted for investment gains and losses.

Can Employer Match Be Unvested?

Yes. Employer contributions can be subject to the plan’s vesting schedule, although some required safe-harbor contributions are fully vested.

Why Is My Total Balance Higher Than My Vested Balance?

Part of the employer contribution may not yet be vested.

Does Employer Match Have to Appear Every Paycheck?

Not necessarily. Match timing can be per payroll, periodic, annual, discretionary, or subject to a true-up.

Can I Borrow From My 401(k)?

Only when the plan permits loans and the employee meets its requirements.

Can I Roll My 401(k) Into a New Employer Plan?

Possibly. The new plan must accept the rollover and may require verification.

Is a Direct Rollover Taxable?

Eligible direct rollovers generally preserve tax deferral, although the transaction remains subject to reporting rules.

Does Leaving a Job Remove My Retirement Money?

No. Employee contributions and vested employer contributions remain the employee’s, adjusted for investment results and plan activity.

Can Public isolved Support Choose My Investments?

No. Investment decisions and account transactions are handled through the plan’s recordkeeper and authorized plan channels.

Final Point

A solved people cloud retirement issue should be followed from the employee election through payroll, recordkeeper processing, vesting, and final distribution.

The employee should distinguish among:

• Employee became eligible.
• Enrollment opened.
• Contribution election submitted.
• Payroll election became effective.
• Deduction appeared on paycheck.
• Contribution file was transmitted.
• Recordkeeper posted the money.
• Investment was purchased.
• Employer match was calculated.
• Employer contribution vested.
• Distribution became available.
• Rollover was completed.

The safest process is:

1. Use the official employer or recordkeeper route.
2. Confirm the correct retirement plan.
3. Review eligibility and plan-entry dates.
4. Distinguish traditional from Roth contributions.
5. Confirm percentage versus flat-dollar elections.
6. Save the election confirmation.
7. Check the payroll effective date.
8. Compare pay-stub deductions with account transactions.
9. Review the employer match formula.
10. Understand the vesting schedule.
11. Confirm beneficiary designations separately.
12. Review plan-loan deductions carefully.
13. Obtain direct-rollover instructions before requesting money.
14. Report unauthorized retirement activity immediately.
15. Never share a password or authentication code.

Official isolved materials confirm that its retirement offerings can connect directly with People Cloud payroll, automate contribution data, support employer plan administration, and integrate with external providers. The IRS and Department of Labor separately establish federal contribution, rollover, and vesting rules, while each employer plan controls its own eligibility, match, investment, loan, and distribution provisions.

This independent website does not operate isolved or People Cloud, administer a retirement plan, change contribution elections, recommend investments, approve loans, calculate vesting, process withdrawals, issue rollovers, or collect employee credentials.

Sources Consulted

This article was researched using current official isolved Retirement Services, 401(k), pooled employer plan, payroll-integration, payroll-deduction, and People Cloud materials. Current IRS sources were reviewed for 2026 contribution limits, catch-up contributions, Roth and traditional plan treatment, distributions, and rollovers. Department of Labor sources were reviewed for employee vesting rights and employer-contribution vesting schedules. Employer plans can apply different eligibility, match, compensation, loan, investment, distribution, and administrative rules.