---
title: "§125 Cafeteria Plan Nondiscrimination Tester"
method: POST
path: "/v1/tools/run_section125_ndt"
tags: ["TODO_TAGS_REVIEW"]
---

# §125 Cafeteria Plan Nondiscrimination Tester

`POST /v1/tools/run_section125_ndt`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/run_section125_ndt`
- Auth: none declared

Runs the §125 cafeteria-plan nondiscrimination tests from supplied aggregate participant counts: an eligibility-ratio test and a contributions-and-benefits ratio test (§410(b)-style ratio-percentage analogy -- IRS has never finalized regs under §125(g)(3), DRAFT pending final rules), and the statutory key-employee 25% concentration limit (IRC §125(b)(2), fixed). Returns per-test pass/fail and the concentration ratio. Not a plan-qualification opinion -- verify-side employer-evidence assembly only. Zero network, zero PII.

**Tool URL:** https://ainumbers.co/chaingraph/art-301-section125-ndt.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `hce_avg_benefit_pct` unknown, required
  - `hce_eligible_count` unknown, required
  - `hce_total_count` unknown, required
  - `key_employee_elected_total` unknown, required
  - `nhce_avg_benefit_pct` unknown, required
  - `nhce_eligible_count` unknown, required
  - `nhce_total_count` unknown, required
  - `total_elected_all_participants` unknown, required

## Response `200`

Successful tool execution result

- object
  - `all_tests_pass` boolean
  - `benefits` object
    - `hce_avg_benefit_pct` number
    - `nhce_avg_benefit_pct` number
    - `pass` boolean
    - `ratio` number
    - `threshold` integer
  - `concentration` object
    - `concentration_ratio` number
    - `limit` number
    - `pass` boolean
  - `eligibility` object
    - `hce_eligibility_rate` integer
    - `nhce_eligibility_rate` number
    - `pass` boolean
    - `ratio` number
    - `threshold` number
  - `error` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)