DDL Case Study · Analytics Engine

PayGuard

Benefits & payroll compliance engine — catching duplicate deductions, enrollment mismatches, vendor payment gaps, and remittance drift before they become audit findings or angry employees.

💡

“I wonder if the system could flag things like duplicate benefits deductions or 401k funds not being paid out to the vendors... or maybe there’s open enrollment and the employee canceled medical but it didn’t get canceled on their deduction profile... Am I thinking too large?”

No. You’re thinking like an auditor. This is what the engine was built for.

Problem

Benefits administration runs on trust — trust that deductions match elections, that vendor invoices match what was withheld, that new hires get enrolled on time. When any of those break, nobody knows until an employee complains or an auditor finds it.

Approach

DDL's compliance engine: every deduction, election, remittance, and vendor payment is a fact row. The engine compares what should be happening to what is happening — elections vs. deductions, deductions vs. remittances, expected timing vs. actual timing.

Deliverable

Exception dashboard — KPI strip, flagged exception table with employee-level detail, vendor payment aging tracker, deduction-to-remittance reconciliation, and scenario-based detection for every real-world failure mode the client described.

Exception Dashboard

What PayGuard Found This Pay Period

Exceptions Found

across 342 employees

Duplicate Deductions

$847.20 over-deducted

Enrollment Mismatches

election ≠ deduction

Clean Employees

96%

328 of 342 no issues

Vendor Payments

2 Late

of 8 benefit vendors

$ At Risk

$4,218

total exposure this period

Flagged Exceptions

Who, What, and Why

Employee	ID	Exception	Detail	$ Impact	Status
Employee A	EMP-1047	Duplicate Deduction	Medical-Single AND Medical-Family both active	$312.40	Open
Employee B	EMP-0892	Enrollment Mismatch	Elected: Cancel dental · Deduction: Still active	$64.80	Investigating
Employee C	EMP-1203	401k Remittance Gap	Deducted $480 · Not remitted to vendor for 2 periods	$960.00	Open
Employee D	EMP-0654	Duplicate Deduction	Vision plan deducted twice in same pay period	$23.50	Resolved
Employee E	EMP-1089	Enrollment Mismatch	Elected: Family HSA · Deduction: Single HSA rate	$142.00	Investigating
Employee F	EMP-0971	New Hire Gap	Benefits elected Day 1 · Deductions not started until Period 4	$518.60	Review

Vendor Payment Aging

Medical Carrier

Medical · 186 enrolled

$48,240

Paid on time

Dental Carrier

Dental · 142 enrolled

$6,830

34 days late

401k Provider

401k · 228 enrolled

$62,400

18 days late

Vision Carrier

Vision · 98 enrolled

$2,940

Paid on time

Life & STD Carrier

Life & STD · 310 enrolled

$9,300

Paid on time

Deduction ↔ Remittance Reconciliation

Medical

Carrier A · Current Period

$48,240

Deducted

$48,240

Paid

✓

401k

401k Provider · Current Period

$62,400

Deducted

$0

Paid

⚠

Dental

Carrier B · Current Period

$6,830

Deducted

$0

Paid

⚠

Vision

Carrier C · Current Period

$2,940

Deducted

$2,940

Paid

✓

Real-World Detection Scenarios

Scenario 1

"Duplicate benefits deductions"

Employee has Medical-Single AND Medical-Family both active on their deduction profile after open enrollment. PayGuard catches it.

⚠ FLAG: EMP-1047 · 2 active medical codes · $312.40/period over-deduction

Scenario 2

"401k funds not being paid out to vendors"

Deductions taken from employee checks every period. Vendor hasn't received payment in 2 periods. $62,400 sitting in limbo.

⚠ FLAG: 401k Provider · $62,400 deducted · $0 remitted · 18 days past due

Scenario 3

"Canceled medical but deduction still active"

Employee elected to cancel dental during open enrollment. Enrollment system updated. Deduction profile was not. Still coming out of their check.

⚠ FLAG: EMP-0892 · Election: Cancel · Deduction: Active · $64.80/period

Scenario 4

"Past due invoices on benefits"

Dental carrier invoice 34 days late. Accounting keeps questioning it. You keep reconciling it. PayGuard shows the pattern — it's not a one-time thing, it's a systemic gap.

⚠ FLAG: Dental Carrier · avg payment lag: 28 days · 4 of last 6 months late

You’re not thinking too big.

Everything described — duplicate deductions, 401k remittance gaps, enrollment mismatches, past due vendor invoices — those aren’t dreams. Those are control tests. Every auditor in the country runs versions of these.

The engine does exactly what was asked: it compares what should be happening to what is happening, and flags the gaps. Same architecture DDL uses for vet clinics, cocktail bars, grant tracking, and bank audits. The data changes. The engine doesn’t care.

PayGuard Engine · v0.1 · Benefits & Payroll Compliance · Built by DDL · 2026