Real ChatGPT answer + Gemini simulation · index seedH0ZHBv7EZHYcompleteAI OverviewFinance and banking · retirement accountshowto
How do I resolve a rejected contribution error when trying to deposit matching 401k employer contributions through my business checking account portal?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search37 queries10/30/2026
Download run
Gemini unique queries
36
0 in ≥ half the passes · stability 33%
ChatGPT real searches predicted
0%
0 of 1 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
How do I resolve a rejected contribution error when trying to deposit matching 401k employer contributions through my business checking account portal?
36 unique queries · 3 passes
ach transfer error troubleshooting
7 queries · 7 hits
why is my business checking account rejecting 401k ACH transfer1xGoogle ↗
RELATED
business bank account ach transfer rejected 401k contribution1xGoogle ↗
RELATED
ach transfer error code meanings business checking 401k1xGoogle ↗
IMPLICIT
business checking ach limit 401k contribution rejection1xGoogle ↗
ENTITY EXPANSION
ach debit block business account 401k deposit failure1xGoogle ↗
REFORMULATION
business bank ach positive pay block 401k contribution error1xGoogle ↗
ENTITY EXPANSION
contacting business bank support for failed 401k ach transfer1xGoogle ↗
RELATED
deposit methods and limits
6 queries · 6 hits
maximum employer 401k match limits 2024 IRS1xGoogle ↗
IMPLICIT
manual vs ach deposit for employer 401k match error resolution1xGoogle ↗
COMPARATIVE
manual deposit vs ach for employer 401k matching funds1xGoogle ↗
COMPARATIVE
employer matching contribution schedule requirements 401k1xGoogle ↗
RELATED
irs limits and employer matching deposit deadlines for 401k1xGoogle ↗
RELATED
checklist for setting up recurring ACH for 401k match employer contribution1xGoogle ↗
RELATED
resolving failed deposit penalties
5 queries · 5 hits
fix rejected 401k employer match contribution business bank1xGoogle ↗
REFORMULATION
fix rejected 401k employer matching contribution business bank portal1xGoogle ↗
REFORMULATION
how to fix rejected 401k employer match deposit business bank1xGoogle ↗
REFORMULATION
how to correct failed 401k match deposit with recordkeeper1xGoogle ↗
RELATED
resolving irs late deposit penalties for 401k employer match error1xGoogle ↗
IMPLICIT
small business owner deposit failures
4 queries · 4 hits
why is my 401k employer contribution deposit being rejected1xGoogle ↗
RELATED
small business owner 401k match deposit failed bank portal1xGoogle ↗
PERSONALIZED
small business owner troubleshooting 401k deposit rejected by custodian1xGoogle ↗
PERSONALIZED
small business owner troubleshooting 401k matching contribution rejected message1xGoogle ↗
PERSONALIZED
corporate banking integration errors
4 queries · 4 hits
ach reversal and error codes for corporate retirement account deposits1xGoogle ↗
IMPLICIT
resolving corporate banking integration errors with third party retirement administrators1xGoogle ↗
IMPLICIT
business checking account error codes for retirement fund transfers1xGoogle ↗
ENTITY EXPANSION
troubleshooting errored retirement plan contributions business banking1xGoogle ↗
REFORMULATION
payroll provider deposit methods
4 queries · 4 hits
payroll provider vs business bank account 401k deposit methods1xGoogle ↗
COMPARATIVE
common reasons payroll provider 401k deposit rejected by bank1xGoogle ↗
REFORMULATION
adp gusto paychex payroll 401k matching deposit failure solutions1xGoogle ↗
ENTITY EXPANSION
payroll deduction vs direct bank portal for 401k employer contributions1xGoogle ↗
COMPARATIVE
ach return codes and limits
4 queries · 4 hits
business checking account ACH debit block positive pay retirement contribution1xGoogle ↗
ENTITY EXPANSION
how to clear ACH return code R02 R16 business bank 401k1xGoogle ↗
REFORMULATION
how to submit corporate resolution for business bank ach limits1xGoogle ↗
IMPLICIT
commercial bank daily ACH limits business checking account override1xGoogle ↗
REFORMULATION
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 36 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT1 real searches · gpt-60% predicted
401(k) employer matching contribution rejected ACH payment contribution source payroll provider troubleshooting IRS employer contributions Google ↗
- Authorizing Us to Draft Contributions From Your Bank via ACH · support.vestwell.com
- Payroll Funding FAQs · betterment.com
- Gusto Help Center- Resolve payment issues with your bank using Gusto Retirement's allowlist ACH IDs · support.gusto.com
- 401(k) plan fix-it guide - Employer matching contributions weren't made to all appropriate employees · irs.gov
- Resolving contribution errors · sponsor.fidelity.com
- Why Is My Contribution on Hold Due to a Bank Account Issue? · jpmorganeveryday401k.zendesk.com
- FAQs about Retirement Plans and ERISA · dol.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
36 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
fix rejected 401k employer match contribution business bank REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct reformulation of the original prompt to find quick troubleshooting steps for a failed ACH or wire transfer matching contribution. | — | how_to_steps | resolving failed deposit penalties | 1x of 3 | |
fix rejected 401k employer matching contribution business bank portal REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct solution to fix a contribution rejection message when trying to fund a 401k match via business banking. | — | how_to_steps | resolving failed deposit penalties | 1x of 3 | |
how to fix rejected 401k employer match deposit business bank REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct solution for fixing a rejected 401k employer matching contribution wire or ACH transfer. | — | how_to_steps | resolving failed deposit penalties | 1x of 3 | |
why is my 401k employer contribution deposit being rejected RELATED | Google ↗ AI Mode ↗ | The user is looking for the root causes behind employer contribution deposit failures. | — | faq_page | small business owner deposit failures | 1x of 3 | |
why is my business checking account rejecting 401k ACH transfer RELATED | Google ↗ AI Mode ↗ | The user wants to understand the underlying banking reasons why an ACH transfer for retirement funds is being blocked. | — | faq_page | ach transfer error troubleshooting | 1x of 3 | |
business bank account ach transfer rejected 401k contribution RELATED | Google ↗ AI Mode ↗ | The user is looking for banking-side reasons why an ACH transfer for retirement plans might get blocked. | — | web_article | ach transfer error troubleshooting | 1x of 3 | |
ach transfer error code meanings business checking 401k IMPLICIT | Google ↗ AI Mode ↗ | The user needs to look up specific ACH rejection codes received from their business bank portal regarding retirement contributions. | — | glossary/definition | ach transfer error troubleshooting | 1x of 3 | |
maximum employer 401k match limits 2024 IRS IMPLICIT | Google ↗ AI Mode ↗ | The user might be experiencing a rejection because their attempted contribution amount exceeds annual legal limits. | — | calculator/tool | deposit methods and limits | 1x of 3 | |
ach reversal and error codes for corporate retirement account deposits IMPLICIT | Google ↗ AI Mode ↗ | The user needs to understand specific banking error codes associated with failed automated clearing house deposits. | — | glossary/definition | corporate banking integration errors | 1x of 3 | |
manual vs ach deposit for employer 401k match error resolution COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to know if switching deposit methods can bypass the current rejection error. | — | comparison_table | deposit methods and limits | 1x of 3 | |
payroll provider vs business bank account 401k deposit methods COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare whether depositing through a business checking portal is better or worse than using a dedicated payroll provider. | — | comparison_table | payroll provider deposit methods | 1x of 3 | |
manual deposit vs ach for employer 401k matching funds COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare deposit methods to see if an alternative method bypasses the portal error. | — | comparison_table | deposit methods and limits | 1x of 3 | |
business checking ach limit 401k contribution rejection ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to check if bank transaction limits or employer identification numbers (EIN) are causing the rejection. | — | web_article | ach transfer error troubleshooting | 1x of 3 | |
business checking account ACH debit block positive pay retirement contribution ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user needs to know if corporate security features like ACH blocks or positive pay are causing the transfer failure. | — | web_article | ach return codes and limits | 1x of 3 | |
top 401k recordkeepers like human interest fidelity guideline payroll integration issues ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user is exploring if the error stems from integration mismatches between popular recordkeepers and business banks. | — | review_roundup | recordkeeper payroll integration issues | 1x of 3 | |
small business owner 401k match deposit failed bank portal PERSONALIZED | Google ↗ AI Mode ↗ | The user is searching from the perspective of a small business owner trying to fix a payroll clearing error. | — | forum/qna | small business owner deposit failures | 1x of 3 | |
small business owner troubleshooting 401k deposit rejected by custodian PERSONALIZED | Google ↗ AI Mode ↗ | The small business owner wants a tailored troubleshooting guide specifically geared toward handling interactions with 401k recordkeepers. | — | forum/qna | small business owner deposit failures | 1x of 3 | |
small business owner troubleshooting 401k matching contribution rejected message PERSONALIZED | Google ↗ AI Mode ↗ | The user wants advice tailored to small business owners managing their own retirement plan funding. | — | forum/qna | small business owner deposit failures | 1x of 3 | |
how to correct failed 401k match deposit with recordkeeper RELATED | Google ↗ AI Mode ↗ | The user wants to know how to notify or coordinate with their 401k plan provider after a deposit fails. | — | how_to_steps | resolving failed deposit penalties | 1x of 3 | |
how to clear ACH return code R02 R16 business bank 401k REFORMULATION | Google ↗ AI Mode ↗ | The user wants to understand specific ACH return error codes associated with corporate deposits. | — | glossary/definition | ach return codes and limits | 1x of 3 | |
ach debit block business account 401k deposit failure REFORMULATION | Google ↗ AI Mode ↗ | The user wants to check if security blocks on their business checking account are causing the deposit rejection. | — | faq_page | ach transfer error troubleshooting | 1x of 3 | |
business bank ach positive pay block 401k contribution error ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user needs to check if bank security features like positive pay or debit blocks caused the deposit rejection. | — | web_article | ach transfer error troubleshooting | 1x of 3 | |
employer matching contribution schedule requirements 401k RELATED | Google ↗ AI Mode ↗ | The user wants to verify the timing rules for depositing employer matching funds to avoid compliance errors. | — | pdf_whitepaper | deposit methods and limits | 1x of 3 | |
irs limits and employer matching deposit deadlines for 401k RELATED | Google ↗ AI Mode ↗ | The user wants to know the compliance urgency and deadlines if a matching deposit is delayed by errors. | — | web_article | deposit methods and limits | 1x of 3 | |
resolving irs late deposit penalties for 401k employer match error IMPLICIT | Google ↗ AI Mode ↗ | The user is implicitly concerned about compliance and penalties if the matching contribution deadline is missed due to the error. | — | pdf_whitepaper | resolving failed deposit penalties | 1x of 3 | |
resolving corporate banking integration errors with third party retirement administrators IMPLICIT | Google ↗ AI Mode ↗ | The user wants to resolve communication failures between the bank portal and the 401k recordkeeper API or clearinghouse. | — | case_study | corporate banking integration errors | 1x of 3 | |
how to submit corporate resolution for business bank ach limits IMPLICIT | Google ↗ AI Mode ↗ | The user needs to know if account limits or missing corporate documentation caused the transaction block. | — | how_to_steps | ach return codes and limits | 1x of 3 | |
common reasons payroll provider 401k deposit rejected by bank REFORMULATION | Google ↗ AI Mode ↗ | The user is looking for common integration or portal errors between payroll services, banks, and retirement accounts. | — | faq_page | payroll provider deposit methods | 1x of 3 | |
fidelity vs vanguard vs empower small business 401k portal troubleshooting ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants specific help documentation for major 401k providers where the deposit might be landing. | — | product_spec_sheet | recordkeeper payroll integration issues | 1x of 3 | |
adp gusto paychex payroll 401k matching deposit failure solutions ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user is looking for troubleshooting steps specific to major payroll providers handling retirement contributions. | — | faq_page | payroll provider deposit methods | 1x of 3 | |
business checking account error codes for retirement fund transfers ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants a comprehensive reference list of banking error codes related specifically to investment and retirement transfers. | — | glossary/definition | corporate banking integration errors | 1x of 3 | |
checklist for setting up recurring ACH for 401k match employer contribution RELATED | Google ↗ AI Mode ↗ | The user wants a checklist to properly configure recurring automated deposits so they don't get rejected in the future. | — | checklist | deposit methods and limits | 1x of 3 | |
payroll deduction vs direct bank portal for 401k employer contributions COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to evaluate whether initiating matching funds through payroll software is more reliable than the bank portal. | — | comparison_table | payroll provider deposit methods | 1x of 3 | |
contacting business bank support for failed 401k ach transfer RELATED | Google ↗ AI Mode ↗ | The user needs advice on what specific information to provide when calling business banking support for a rejected transfer. | — | checklist | ach transfer error troubleshooting | 1x of 3 | |
commercial bank daily ACH limits business checking account override REFORMULATION | Google ↗ AI Mode ↗ | The user wants to know how to bypass or increase daily transaction limits that might cause a contribution to be rejected. | — | faq_page | ach return codes and limits | 1x of 3 | |
troubleshooting errored retirement plan contributions business banking REFORMULATION | Google ↗ AI Mode ↗ | The user wants a broad troubleshooting guide for business banking errors related to retirement plan funding. | — | pdf_whitepaper | corporate banking integration errors | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 927 / 1,601 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 927 / 1,536 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 927 / 1,543 |