The AI governance operating system for plan sponsors and advisors.

A retirement plan governance platform is a purpose-built system that helps plan sponsors, investment committees, and HR teams manage their fiduciary responsibilities in one place. It replaces scattered emails, shared drives, and manual processes with a secure, auditable record of every committee decision, document, and action — making it easier to demonstrate prudent process to the DOL and plan participants.

Knowa gives fiduciary committees a single, defensible record of every decision made on behalf of the plan. Meeting agendas, minutes, supporting documents, and action items are all stored, timestamped, and queryable — so when the DOL asks how a decision was made, you can show exactly what information the committee had and when. Knowa Q, our AI query tool, also gives instant answers to questions about your plan's own history and documents.

Recordkeepers and TPAs manage plan administration and participant accounts. Knowa manages the governance layer — the committee process, the fiduciary record, and the institutional knowledge that sits above the plan's day-to-day operations. Knowa integrates with your existing recordkeeper rather than replacing it, and is designed specifically for the people responsible for oversight: plan sponsors, committee members, and their advisors.

PSCA (Plan Sponsor Council of America) is the leading advocacy and education organization for 401(k) and 403(b) plan sponsors, with 78 years of experience serving America's retirement system. Knowa powered by PSCA embeds PSCA's fiduciary best-practice guidance, checklists, and regulatory updates directly into the platform — so plan sponsors get not just a governance tool but the industry's most trusted knowledge base built in as standard.

The regulatory environment for retirement plan fiduciaries is constantly evolving — from DOL guidance and ERISA requirements to new legislation like SECURE 2.0. Knowa helps committees stay ahead by centralizing all compliance-related documents, decisions, and action items in one auditable record. Every committee action is timestamped and traceable, making it straightforward to demonstrate a prudent process during a DOL audit or participant inquiry. With PSCA's regulatory updates and fiduciary checklists built directly into the platform, plan sponsors always have current best-practice guidance at their fingertips.

Yes. Knowa is designed to be straightforward to set up with no technical skills required — onboarding, training, and support are all included at no extra cost. Whether you're managing a 50-person plan or a Fortune 500 committee, the governance challenges are the same: documenting decisions, managing information, and demonstrating fiduciary prudence. Knowa scales to fit both.

Knowa is ISO 27001 certified with enterprise-grade encryption. All plan data is stored securely and access is strictly controlled by role — so external advisors, recordkeepers, and auditors only see what they need to. Knowa never uses your plan's data to train AI models.

Most plans are up and running within days. Knowa handles setup, data migration, onboarding, and training as part of the subscription — there's no IT project required and no per-user cost.