Real ChatGPT answer + Gemini simulation · index seedpkRtxMnWxIUcompleteAI OverviewFinance and banking · retirement accountsinformational
My employer forgot to apply my 401k match for the last six months, and HR needs to know the exact federal guidelines for fixing this today.
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search32 queries10/30/2026
Download run
Gemini unique queries
30
0 in ≥ half the passes · stability 33%
ChatGPT real searches predicted
100%
2 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
My employer forgot to apply my 401k match for the last six months, and HR needs to know the exact federal guidelines for fixing this today.
30 unique queries · 3 passes
employer penalties and interest
5 queries · 5 hits
employer didn't make 401k matching contributions penalties1xGoogle ↗
IMPLICIT
DOL guidelines for delinquent 401k contributions employer match1xGoogle ↗
RELATED
is there a penalty for late 401k employer matching contributions1xGoogle ↗
IMPLICIT
does employer have to pay interest on late 401k match1xGoogle ↗
REFORMULATION
how long do employers have to deposit 401k matching funds1xGoogle ↗
IMPLICIT
employee rights and remedies
5 queries · 5 hits
what are employees rights when employer fails to make 401k match1xGoogle ↗
IMPLICIT
my company forgot my 401k match what are my rights1xGoogle ↗
PERSONALIZED
my company forgot to deposit my 401k match for six months what to do1xGoogle ↗
PERSONALIZED
employee rights missed 401k employer match1xGoogle ↗
PERSONALIZED
ERISA fiduciary breach missed 401k employer match penalties1xGoogle ↗
ENTITY EXPANSION
irs operational correction guidelines
4 queries · 4 hits
missed employer 401k match correction IRS rules1xGoogle ↗
REFORMULATION
how to correct missed employer 401k matching contributions IRS rules1xGoogle ↗
REFORMULATION
missed employer 401k match IRS correction rules1xGoogle ↗
REFORMULATION
HR checklist for correcting missed 401k employer match1xGoogle ↗
RELATED
epcrs correction rules
4 queries · 4 hits
EPCRS missed elective deferrals and matching contributions correction methods1xGoogle ↗
RELATED
IRS EPCRS missed matching contributions correction methods1xGoogle ↗
ENTITY EXPANSION
retroactive 401k match corrective contribution tax year reporting1xGoogle ↗
REFORMULATION
EPCRS self correction program eligibility period for missed match1xGoogle ↗
RELATED
scp versus vcp programs
4 queries · 4 hits
VCP vs SCP 401k operational failure correction1xGoogle ↗
COMPARATIVE
SCP vs VCP for correcting missed employer 401k matching1xGoogle ↗
COMPARATIVE
deadlines for correcting operational failures in retirement plans IRS1xGoogle ↗
RELATED
correcting operational failure in 401k plan document1xGoogle ↗
ENTITY EXPANSION
lost earnings calculation methods
3 queries · 3 hits
dol fiduciary rules
3 queries · 3 hits
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 30 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.
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
30 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
missed employer 401k match correction IRS rules REFORMULATION | Google ↗ AI Mode ↗ | Find direct IRS guidelines regarding how employers must correct missed matching contributions. | — | web_article | irs operational correction guidelines | 1x of 3 | |
how to correct missed employer 401k matching contributions IRS rules REFORMULATION | Google ↗ AI Mode ↗ | Find the official IRS procedure for fixing missed employer 401(k) matching contributions. | — | web_article | irs operational correction guidelines | 1x of 3 | |
missed employer 401k match IRS correction rules REFORMULATION | Google ↗ AI Mode ↗ | Find the official IRS guidelines and rules for correcting missed employer 401k matching contributions. | — | web_article | irs operational correction guidelines | 1x of 3 | |
EPCRS missed elective deferrals and matching contributions correction methods RELATED | Google ↗ AI Mode ↗ | Identify the specific IRS Employee Plans Compliance Resolution System (EPCRS) framework used for these corrections. | — | pdf_whitepaper | epcrs correction rules | 1x of 3 | |
how to fix missed 401k match EPCRS RELATED | Google ↗ AI Mode ↗ | Understand how the IRS Employee Plans Compliance Resolution System (EPCRS) applies to missed matching contributions. | — | pdf_whitepaper | step by step fix guide | 1x of 3 | |
IRS EPCRS missed matching contributions correction methods ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify the specific Employee Plans Compliance Resolution System (EPCRS) program used to fix missed matches. | — | pdf_whitepaper | epcrs correction rules | 1x of 3 | |
how to calculate lost earnings on missed 401k employer match IMPLICIT | Google ↗ AI Mode ↗ | Understand the requirement to include lost earnings or investment gains when retroactive matching funds are deposited. | — | how_to_steps | lost earnings calculation methods | 1x of 3 | |
employer missed 401k match make up lost earnings calculation RELATED | Google ↗ AI Mode ↗ | Learn how to calculate the lost earnings or investment gains owed on missed matching contributions. | — | calculator/tool | lost earnings calculation methods | 1x of 3 | |
employer didn't make 401k matching contributions penalties IMPLICIT | Google ↗ AI Mode ↗ | Discover the potential penalties or fiduciary liabilities an employer faces for failing to deposit 401k matches on time. | — | faq_page | employer penalties and interest | 1x of 3 | |
VCP vs SCP 401k operational failure correction COMPARATIVE | Google ↗ AI Mode ↗ | Determine whether HR needs to use the Self-Correction Program (SCP) or Voluntary Correction Program (VCP) for a six-month missed match. | — | comparison_table | scp versus vcp programs | 1x of 3 | |
what are employees rights when employer fails to make 401k match IMPLICIT | Google ↗ AI Mode ↗ | Understand employee legal rights and protections regarding unpaid 401k matching funds. | — | faq_page | employee rights and remedies | 1x of 3 | |
retroactive 401k match lost earnings calculation ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn how to calculate lost earnings or make-whole contributions when a 401k match is delayed by six months. | — | calculator/tool | lost earnings calculation methods | 1x of 3 | |
DOL fiduciary duty missed 401k contributions timeline ENTITY EXPANSION | Google ↗ AI Mode ↗ | Check Department of Labor (DOL) rules and timeframes regarding timely remittance of retirement contributions. | — | web_article | dol fiduciary rules | 1x of 3 | |
SCP vs VCP for correcting missed employer 401k matching COMPARATIVE | Google ↗ AI Mode ↗ | Compare Self-Correction Program (SCP) and Voluntary Correction Program (VCP) for fixing missed matches. | — | comparison_table | scp versus vcp programs | 1x of 3 | |
DOL vs IRS rules for missed 401k contributions COMPARATIVE | Google ↗ AI Mode ↗ | Compare the regulatory oversight of the Department of Labor versus the IRS regarding delinquent retirement plan deposits. | — | comparison_table | dol fiduciary rules | 1x of 3 | |
my company forgot my 401k match what are my rights PERSONALIZED | Google ↗ AI Mode ↗ | Understand employee rights and what an employee should expect their employer to do when a match error occurs. | — | faq_page | employee rights and remedies | 1x of 3 | |
my company forgot to deposit my 401k match for six months what to do PERSONALIZED | Google ↗ AI Mode ↗ | Find actionable steps for an individual facing a prolonged period of missed 401k matches. | — | how_to_steps | employee rights and remedies | 1x of 3 | |
employee rights missed 401k employer match PERSONALIZED | Google ↗ AI Mode ↗ | Understand what legal recourse an employee has when an employer fails to provide promised 401k matching funds. | — | checklist | employee rights and remedies | 1x of 3 | |
HR checklist for correcting missed 401k employer match RELATED | Google ↗ AI Mode ↗ | Obtain a step-by-step action plan for HR professionals to resolve the missed contribution error today. | — | checklist | irs operational correction guidelines | 1x of 3 | |
DOL guidelines for delinquent 401k contributions employer match RELATED | Google ↗ AI Mode ↗ | Check Department of Labor (DOL) rules regarding timely deposit of employer matching funds. | — | web_article | employer penalties and interest | 1x of 3 | |
step by step guide to correcting missed 401k match REFORMULATION | Google ↗ AI Mode ↗ | Find actionable, step-by-step instructions for HR professionals to rectify missed retirement plan contributions. | — | how_to_steps | step by step fix guide | 1x of 3 | |
is there a penalty for late 401k employer matching contributions IMPLICIT | Google ↗ AI Mode ↗ | Find out if the employer or plan faces IRS penalties or excise taxes for failing to deposit matches on time. | — | faq_page | employer penalties and interest | 1x of 3 | |
does employer have to pay interest on late 401k match REFORMULATION | Google ↗ AI Mode ↗ | Determine if statutory interest or lost earnings must be paid on delayed matching deposits. | — | faq_page | employer penalties and interest | 1x of 3 | |
DOL VFCP delinquent 401k contributions guidance RELATED | Google ↗ AI Mode ↗ | Determine if the Department of Labor Voluntary Fiduciary Correction Program applies to missed matching funds. | — | web_article | dol fiduciary rules | 1x of 3 | |
retroactive 401k match corrective contribution tax year reporting REFORMULATION | Google ↗ AI Mode ↗ | Learn how retroactive contributions for a prior period affect W-2 reporting and plan year nondiscrimination testing. | — | web_article | epcrs correction rules | 1x of 3 | |
ERISA fiduciary breach missed 401k employer match penalties ENTITY EXPANSION | Google ↗ AI Mode ↗ | Understand the legal and financial penalties employers face for violating ERISA timelines on contributions. | — | case_study | employee rights and remedies | 1x of 3 | |
how long do employers have to deposit 401k matching funds IMPLICIT | Google ↗ AI Mode ↗ | Verify the federal deadlines and deposit frequency rules mandated for employer 401k matching contributions. | — | glossary/definition | employer penalties and interest | 1x of 3 | |
deadlines for correcting operational failures in retirement plans IRS RELATED | Google ↗ AI Mode ↗ | Find the statutory time limits allowed by the IRS to fix operational errors like missed matches. | — | checklist | scp versus vcp programs | 1x of 3 | |
correcting operational failure in 401k plan document ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn the formal classification of a missed match as an operational failure under IRS qualified plan rules. | — | forum/qna | scp versus vcp programs | 1x of 3 | |
EPCRS self correction program eligibility period for missed match RELATED | Google ↗ AI Mode ↗ | Verify if a six-month duration qualifies as an 'insignificant' operational failure under SCP rules. | — | glossary/definition | epcrs correction rules | 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 | 10 | 10 | — | 937 / 1,304 | |
| gemini-3.5-flash-lite | 2 | 10 | 10 | — | 937 / 1,369 | |
| gemini-3.5-flash-lite | 3 | 10 | 10 | — | 937 / 1,319 |