Docupace ComplianceEdge
Find Your Compliance Coverage GapBefore Your Examiner Does
Enter your own numbers, and in about two minutes, you’ll see how much of your book you could prove was reviewed, the ceiling your team’s hours can actually support, and the dollars sitting in accounts and trades nobody examined. Every figure comes from data you type in.
The Exam Moment
“Show me the documented review for this account.”Every exam gets here eventually.
The obligation
There is no partial credit
Whether the rulebook is the OCC’s annual investment review requirement, your FINRA Rule 3110 WSP cycle, or your own RIA compliance policy, a missed review is a finding. Examiners don’t grade on a curve. Ninety-four percent coverage is a gap, and the gap is what goes in the report.
The ceiling
Headcount sets a hard limit
Minutes per review, alerts per day, productive hours per analyst. Multiply it out and you get a hard ceiling on the coverage your team can deliver, whatever the policy promises. Most firms have never done that multiplication.
The accounts nobody reviewed and the trades nobody examined don’t show up on a report.
They show up in the exam.
The Calculator
What Your Coverage Actually Is, and What Closing the Gap Costs
One quick question about your firm, then three short steps. Ballpark figures are fine; every input stays editable and the results move as you change them.
First question
Which registrations does your firm hold?
Select every registration your firm holds. Your answer changes the obligation, the wording and the sources below. Any combination is fine — every obligation you select applies.
{{ dualNote }}
Step 1 of 3 · Your book
What are you responsible for?
Four numbers size the obligation and the population at stake. Estimates are fine to start. Every result recalculates instantly, and you can jump back to any step from the bar above at any time.
+ Fine-tune growth — defaults: 8% accounts, 12% trades
Step 2 of 3 · Current practice
What actually gets reviewed?
{{ fc.step2Intro }} {{ fc.rateNote }} Use your own observed rates — every exposure figure downstream is built on them.
+ Fine-tune timing — defaults: annual cycle, 30 min per item of work, 250 working days
Step 3 of 3 · Your team
Who does the work?
{{ teamIntro }}
+ Fine-tune capacity & cost — defaults: 1,500 productive hrs, 55% on reviews, $85,000 loaded cost
1 · Where coverage stands
{{ fc.covSub }}
{{ dualNote }}
2 · What’s likely sitting in the unexamined book — estimated
Two figures, each derived from a number you entered. Every one shows its arithmetic. No industry benchmark and no vendor claim sits anywhere in the chain.
{{ fc.excDef }} Applying your own observed rate to a population you did not examine makes this an inference, not a measurement.
3 · The pressure ahead
Capacity utilization above 100% means the obligation cannot be met at current headcount. That is a ceiling, and money alone does not raise it quickly.
| At your stated growth rates | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| {{ projRowLabel }} | {{ r.g1r }} | {{ r.g2r }} | {{ r.g3r }} |
| Capacity utilization | {{ r.g1u }} | {{ r.g2u }} | {{ r.g3u }} |
| {{ addFtesLabel }} | {{ r.g1f }} | {{ r.g2f }} | {{ r.g3f }} |
4 · Two routes to 100% coverage
Doing nothing isn’t acceptable, so there are two ways to close the gap: hire more {{ fc.staffMany }}, or raise throughput. Read the comparison below as cost avoidance against an obligation. It is not a savings claim.
+ Adjust the modeling assumptions behind the automation route
Hire to close the gap
- {{ addStaffLabel }}
- {{ r.hFtes }}
- Recurring annual cost
- {{ r.hCost }}
- Three-year cost
- {{ r.h3yr }}
- Months before coverage improves
- {{ r.hMonths }}
Automate to close the gap
- {{ addStaffLabel }}
- {{ r.aFtes }}
- Recurring annual cost
- {{ r.aCost }}
- Three-year cost
- {{ r.a3yr }}
- Months to production monitoring
- {{ r.aMonths }}
Keep these numbers
Download your results
Enter your work email and we’ll build a PDF of your coverage, exposure and hire-vs-automate figures, formatted for a compliance committee. We’ll follow up with how ComplianceEdge closes the gap.
Your report opens as a PDF you can save or print. We use your details and inputs to follow up with relevant guidance — see our privacy policy.
{{ gateThanks }} Your PDF just opened in a new tab. Use Print / Save as PDF to keep a copy. Bring these numbers to an exam-readiness conversation and we’ll model them against your real book.
The Fix
What Continuous Supervisory Review Looks Like in Practice
ComplianceEdge runs fiduciary account review and trade surveillance as a continuous workflow instead of a year-end scramble. When an examiner asks to see a review, you export it.
A Rolling Review Cycle
Accounts come up for review on a rolling schedule, so exceptions surface in days. On an annual cycle the average issue sits roughly six months before anyone sees it.
Every Clear Is a Record
Low-risk accounts that auto-clear still produce a dated review record your examiners can verify. No analyst minutes spent on any of them.
Throughput Before Headcount
Workflow-driven triage cuts minutes per alert, so the team you already have covers more of the book. The ceiling moves without a 14-month recruiting cycle.
Evidence, Already Assembled
Every review, exception and escalation lands time-stamped in one audit trail. Assembling review documentation takes an afternoon rather than a project plan.
Questions
Account Review Requirements, Coverage and Staffing
What is OCC Rule 9.6(c)? +
What does FINRA Rule 3110 require for account reviews? +
How often must fiduciary accounts be reviewed? +
What do examiners look for in annual account reviews? +
How many compliance analysts do I need? +
Should we hire or automate to close a coverage gap? +
See your coverage number, then
close the gap.
Bring your calculator results to an exam-readiness assessment. We’ll run your coverage, capacity ceiling and exposure against your real book, then show you what continuous, documented review looks like on it.
Methodology & Sources
Every headline figure derives from data you supplied. Exposure estimates take your observed exception rate on the examined population and apply it to the population you did not examine. That is an inference. Present it as one. The platform-effect figures (triage reduction, auto-clear share, surfacing cycle) are assumptions you set yourself, and none of them is a performance guarantee.
- {{ s }}
This calculator produces planning estimates, not legal, regulatory, or accounting advice. Results depend entirely on the accuracy of your inputs. © 2026 Docupace Technologies. ComplianceEdge is a Docupace solution.