PitCrew — Hero Tabs v5

Agent Crew

6 agents deployed

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All 6 Validate Fees 3 Review Docs 2 Onboard 1

Fee Billing Reconciler

Validate Fees

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Validates fee schedules against custodian charges. Flags overcharges and schedule mismatches across all accounts.

SchwabOrionQuarterly

Run

Cash Availability Checker

Validate Fees

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Identifies accounts with insufficient cash before billing. Generates MMF liquidation trade files automatically.

SchwabDaily 6AM

Run

IPS Drift Detector

Monitor Drift

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Flags portfolios outside IPS target allocation bands. Compares current holdings vs signed investment policy.

OrionDaily 6AM

Run

Form ADV Auditor

Review Docs

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Cross-checks Part 1 vs Part 2 for disclosure discrepancies. Compares services, fees, client types across filings.

SEC 275.204-3On-demand

Run

Marketing Content Review

Review Docs

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Scans marketing materials against FINRA 2210. Checks disclosures, testimonials, performance claims.

FINRA 2210Email trigger

Run

Client Onboarding Checker

Onboard

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Verifies all required documents for new clients. Checks suitability, advisory agreement, ID, W-9.

WealthboxCRM event

Run

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Run Complete: Fee Billing Reconciler

Q2 2026 · 2,000 accounts scanned · 47 seconds

1,997

Passed

3

Exceptions

$4,200

Total Variance

100%

Coverage

Exceptions Requiring Review

Account	Expected	Charged	Variance	Cause
Park 401k	$800	$4,500	+$3,700	Fee not updated post-restructure
Smith IRA	$1,250	$1,450	+$200	Tiered schedule rounding
Jones Trust	$3,100	$2,800	−$300	Custodian billing lag

Analysis

The largest exception is Park 401k (+$3,700) — the fee schedule was not updated after the account was restructured on Apr 12. The client is being charged at the old rate (1.80% annual) instead of the post-restructure rate (0.80% on first $500K). This requires immediate correction and a client refund for the overcharged quarter.

Smith IRA (+$200) is a rounding difference at the tiered schedule boundary — within tolerance for auto-approval. Jones Trust (−$300) is a timing difference from custodian billing lag — will self-correct next cycle.

Recommended Actions

1.Update Park 401k fee schedule in Orion to reflect post-restructure rate (0.80%)

2.Process refund of $3,700 to Park 401k for Q2 overcharge

3.Auto-approve Smith IRA ($200 rounding) — within firm threshold

4.No action on Jones Trust — custodian lag, self-corrects next cycle

Audit trail attached · Sources: Schwab fee report + Orion schedules (v3.2) · Exam-ready evidence

Evaluating: Park 401k Fee Review

Agent is checking this account against your firm's Ground Truth policy rules. Each rule references SEC/FINRA regulations encoded in your configuration.

221 rules · 339 variables

FEE_SCHEDULE_THRESHOLD

Park_401k.fee_rate ≤ advisory_agreement.max_rate (0.0080)

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FEE_MATCHES_CUSTODIAN

orion.fee_charged = schwab.fee_debited

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AGREEMENT_IS_CURRENT

advisory_agreement.signed_date within 365d

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RESTRUCTURE_FEE_UPDATE

if account.restructured → fee_schedule.updated_after(restructure_date)

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BILLING_CYCLE_CORRECT

billing.frequency = agreement.billing_frequency

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CASH_SUFFICIENT_FOR_DEBIT

account.cash_balance ≥ quarterly_fee_amount

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6

Rules Checked

5 passed

1 flagged

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Rule Failed: RESTRUCTURE_FEE_UPDATE

Park 401k · Evaluated Jun 15, 6:00 AM

FLAG

Rule Evaluation Detail

Rule:fee_schedule.updated_after(restructure_date) Account:Park 401k Restructured:Apr 12, 2026 Fee last updated:Never — still using pre-restructure rate Expected rate:0.80% on first $500K → $800/qtr Actual rate charged:1.80% annual → $4,500/qtr Overcharge:$3,700

Determination

The fee schedule in Orion was not updated after the account restructure on Apr 12. The client is being billed at the old rate (1.80%) instead of the correct post-restructure rate (0.80% tiered). This results in an overcharge of $3,700 for Q2 2026. The advisory agreement (signed Apr 12) specifies the new rate — Orion is out of sync.

Recommended Actions

1.Update fee schedule in Orion to 0.80% (per advisory agreement Apr 12)

2.Process refund of $3,700 to Park 401k

3.Flag for CFO review (overcharge exceeds $500 threshold)

Connected

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