CORE – The Cloud-Based 401(k) Recordkeeping Platform

Payroll

Streamline payroll processing with self-serve portals and data integrations. Enable real-time validation, calculations for match and non-elective contributions, automated tracking of compliance and plan limits, and funding capabilities. Accurate payroll data is the foundation of efficient recordkeeping. CORE Payroll validates contribution data in real time, helping recordkeepers reduce errors, streamline funding, and simplify ongoing administration.

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Loans & Distributions

Empower participants to help themselves with self-service and straight-through processing. Unlock faster loan and distribution requests, automated tax calculations, expedited approvals, e-signatures, and timely communication to stakeholders. By automating high-volume loan and distribution workflows, CORE Loans & Distributions reduces manual processing, minimizes errors, and delivers a faster, more seamless experience for participants and plan administrators.

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PlanSuite

Streamline the entire plan creation lifecycle—from document interpretation and data capture to plan configuration and operational readiness. With built-in AI, guided workflows, and automated validation, CORE PlanSuite eliminates re-keying, reduces errors, and accelerates onboarding and conversions across systems. Launch new plans faster and shorten implementation timelines with intelligent automation that minimizes manual setup, improves accuracy, and helps your team scale onboarding efficiently.

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Census

Seamlessly manage participant data such as demographics, bank accounts, beneficiaries, eligible/enrolled plans, and more. Track terminations, rehires, location changes, and employee group movements to automate downstream computations. Reliable participant data drives every downstream process. CORE Census keeps records accurate and up to date, reducing manual maintenance while improving operational efficiency across the recordkeeping lifecycle.

Eligibility

Streamline eligibility computations across all provisions, immediate or age-based rules, terminations, rehires, breaks in service, and long-term part-time work. Enable auto-calculations for eligibility forecasts and exclusions, along with automated alerts. Ensure participants are enrolled accurately and on time by automating eligibility determinations, reducing manual effort, and helping your team stay aligned with plan provisions and regulatory requirements.

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Vesting

Automate vesting calculations taking into account provisions such as actual hours, elapsed time, equivalency, custom vesting schedules, overrides, and grandfathering. Manage customized vesting provisions for employee groups and categories. Complex vesting rules become easier to manage with automated calculations that improve accuracy, reduce compliance risk, and support diverse plan designs without increasing administrative effort.

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Communications

Enable seamless communication with users through email notifications and reminders for crucial events. Compose with user-friendly text editors, attachments, system variables, actionable links, and templates. Keep participants informed with timely, automated communications that improve engagement, reduce follow-up effort, and ensure important updates reach the right audience when they matter most.

Transfer & Rebalance

Get a 360-degree view of assets, investment performance, and funds. Auto-rebalance based on thresholds. Automatically adjust participant deferral elections, fund restrictions, and 22c-2 reporting to support compliance. Automated investment monitoring and rebalancing help reduce manual oversight while improving operational efficiency and maintaining compliance with investment and regulatory requirements.

Reporting

Use canned and customizable reports with a wide range of filtering and sorting capabilities. Personalize and save each report to user logins, ensuring data privacy and accessibility. Download reports in multiple formats to suit your needs. Make faster, more informed decisions with secure, on-demand access to operational and participant data. Flexible reporting reduces manual effort while giving your team greater visibility into plan performance.

Trade

Set up investments, clearing partners, and diverse clearance times while supporting both standard and late-day trades. Enforce investment restrictions, transaction rules, and market timing controls. Automated trade processing and configurable investment controls help minimize operational risk, improve efficiency, and support compliance across every stage of the trading lifecycle.

Transaction Maintenance

Gain a comprehensive view of all transactions—including history, vested balances, investment breakdowns, trade details, uploaded documents, and approval records. Resolve inquiries faster with complete transaction visibility in one place, giving operations teams the audit trail and transparency needed to improve accuracy and respond confidently to participant requests.

Fees

Set up fee types for recordkeepers, payroll providers, asset management, transaction processing, and more. Create classifications, specifications, and execute fees based on account or investment balances, with configurable thresholds and exclusions. Flexible fee administration enables your team to manage complex pricing models accurately while reducing manual calculations and improving billing consistency across plans.

Mapper

Effortlessly validate, transform, and migrate data with retirement industry-specific rules. Output data in real time or batch mode across multiple formats, from simple conversions to large-scale plan migrations. Whether onboarding a new client or replacing a legacy system, CORE Mapper accelerates data conversions, reduces migration risk, and helps ensure accurate, reliable data movement across platforms.

Plan Management

Onboard retirement plans in hours, not weeks. Our AI-powered solution transforms plan onboarding, delivering 80% time savings, zero manual errors, seamless integration, and instant insights.

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