Intelligent Retirement Application Processing System
Orchestrates 9 specialized AI agents using ReAct reasoning patterns with streaming visualization. Processes applications in minutes with Monte Carlo lifetime projections, SECURE 2.
Problem Statement
The challenge addressed
Solution Architecture
AI orchestration approach
Retirement application input interface with member selection, payment option configuration (QJSA, Joint & Survivor, Life Certain), and system architecture preview
Real-time AI agent orchestration displaying ReAct reasoning pattern with agent thoughts, observations, reflections, tool executions, and agent memory tracking
Pension processing results with calculated monthly benefit, years of service, eligibility status, and AI recommendations for Social Security optimization and financial planning
AI Operations Dashboard showing real-time agentic system performance monitoring with cases processed, auto-approval rates, cost savings, and individual agent accuracy metrics
AI Agents
Specialized autonomous agents working in coordination
Orchestrator Agent
Coordinating 9 specialized agents across 4 workflow phases requires intelligent task delegation, progress monitoring, and result aggregation.
Core Logic
Manages 4-phase workflow: Data Gathering (parallel), Calculation & Analysis (sequential), Compliance/Risk/Wellness (parallel), and Final Review (sequential). Delegates tasks based on dependencies, monitors phase completion, aggregates agent findings, and generates final recommendations with confidence scores.
Service Credit Auditor
Calculating pension service credit requires analyzing employment history across decades and multiple employers, identifying gaps, applying disability credits, and processing reciprocity transfers.
Core Logic
Queries employment databases for complete history, analyzes gaps against 24-month break-in-service rules, applies disability credit periods, verifies inter-fund reciprocity transfers, and calculates total credited years with vesting status determination.
Document Verification Agent
Retirement applications require validation of birth certificates, marriage certificates, beneficiary forms, and tax documents with high accuracy.
Core Logic
Performs OCR text extraction with 99%+ confidence, validates document authenticity markers, extracts key data fields (names, dates, signatures), cross-references against member records, and identifies missing required documents.
Benefit Calculator Agent
Pension benefit calculations require applying complex formulas with service credit multipliers, early retirement reductions, and payment option actuarial adjustments.
Core Logic
Applies plan benefit formula ($95/year x credited service), calculates early retirement reduction (0.5%/month before age 65, capped at 21%), computes actuarial present value using RP-2014 mortality tables, and models alternative retirement scenarios at different ages.
Compliance Guardian Agent
Retirement benefits must comply with ERISA Section 204/205 requirements, IRS Section 415 limits, PBGC guarantees, and SECURE 2.0 RMD rules.
Core Logic
Validates ERISA QJSA notice delivery and spousal consent, verifies IRS annual benefit limits ($280,000 for 2025), checks PBGC guarantee coverage, confirms SECURE 2.0 RMD age (73 for 1963 births), and generates required compliance notices.
Risk Assessment Agent
Retirement applications may contain data quality issues, anomalies, or fraud indicators requiring systematic risk evaluation.
Core Logic
Detects anomalies in employment patterns using statistical analysis, checks fraud indicators against known schemes, calculates composite risk scores (0-100), evaluates data quality across all inputs, and generates approval/review/escalation recommendations.
Predictive Analytics Agent
Members need projections of lifetime benefit value, longevity risk, optimal retirement timing, and Social Security coordination strategies.
Core Logic
Runs 10,000-scenario Monte Carlo simulations for lifetime value projections, applies COLA inflation scenarios (2.5%-5%), calculates optimal Social Security claiming age with break-even analysis, projects longevity using mortality tables, and recommends emergency buffer amounts.
Financial Wellness Agent
Retirement planning requires coordinating pension benefits with Social Security, Medicare eligibility gaps, tax optimization, and SECURE 2.0 provisions.
Core Logic
Coordinates Social Security integration with pension bridge strategy, analyzes Medicare eligibility gaps and bridge coverage options (COBRA/ACA), verifies SECURE 2.0 catch-up provisions and RMD schedules, calculates tax-efficient withdrawal strategies, and estimates IRMAA surcharge risk.
Member Communication Agent
Complex pension calculations need translation into plain-language explanations that members can understand and act upon.
Core Logic
Generates member-friendly benefit summaries at 8th-grade reading level, explains calculations in plain language with visual aids, anticipates top member questions with prepared answers, creates prioritized next-steps checklists with deadlines, and produces comparison charts for payment options.
Worker Overview
Technical specifications, architecture, and interface preview
System Overview
Technical documentation
Tech Stack
5 technologies
Architecture Diagram
System flow visualization