Since its introduction in 1978, the 401(k) plan has been a popular benefit among large corporations but less accessible for small and mid-sized businesses (SMBs) due to high costs and administrative challenges. Recent legislative changes, such as the SECURE 1.0 and 2.0 Acts, have aimed to encourage more SMBs to offer retirement plans by introducing initiatives like Pooled Employer Plans and start-up tax credits. Despite these incentives, SMBs face challenges such as limited awareness of retirement options, cost sensitivity, and the need for customization and ongoing support. The increasing demand for SMB retirement plans places a significant operational burden on recordkeepers, who must find innovative solutions to streamline processes and improve efficiency. Automated solutions like API integrations and unified APIs can enhance data access and reduce manual workload, enabling recordkeepers to offer better customer support and meet the diverse needs of SMB sponsors while maintaining profitability.