Retirement Payroll as a Service: Powered by CORE + Expert Administration
Retirement payroll isn’t just another paycheck. It’s a regulated, high-stakes process involving custom payment rules, multiple stakeholders, and participant expectations — all of which demand precision, timeliness, and compliance.
Congruent’s Retirement Payroll as a Service combines the automation power of our CORE Payroll platform with our Outsourced Plan Administration team to handle the complexity for you — from calculation to disbursement and everything in between.
The Challenge: Retirement Payroll is Inherently Complex
– Non-Standard Payment Schedules: Participants choose custom frequencies, amounts, and payout types — not simple biweekly cycles.
– Diverse File Formats & Sources: Sponsors submit payroll and payment instructions in inconsistent formats (Excel, CSV, API, PDFs), often requiring manual normalization.
– Multiple Stakeholders: Sponsors, custodians, participants, and compliance teams all rely on synchronized data and timing.
– Compliance Sensitivity: Incorrect RMDs, tax withholding errors, or late payments can result in penalties or regulatory flags.
– Manual Coordination Overload: Tracking ACH instructions, validating participant elections, or reprocessing exceptions burdens internal teams.
The Solution: Congruent’s Retirement Payroll as a Service
We manage the entire payroll lifecycle — combining intelligent automation with experienced professionals to ensure accuracy, compliance, and peace of mind.
How We Help
CORE Payroll Automation
– Processes recurring and ad-hoc payments automatically, applying plan-specific rules for timing, taxes, and eligibility.
– Handles diverse sponsor file types with an intelligent ingestion engine — normalizing inconsistent formats into standardized workflows.
– Applies built-in validations to catch contribution mismatches, missing participant data, or timing conflicts before they trigger issues.
Trained Payroll Administrators
– Act as an extension of your team — managing approvals, exception handling, participant communications, and coordination with custodians.
– Proactively resolve discrepancies and ensure smooth execution without burdening your staff.
Custom Rule Configuration
– Supports plan-specific payout rules, RMD logic, and off-cycle disbursement requests with precision.
Integrated Tax & Compliance Support
– Automates generation of 1099-Rs and maintains detailed audit trails to ensure you stay compliant year-round.
Custodian & ACH Integration
– Direct integration with custodians and payment networks for faster and traceable disbursements.
Participant Experience
– Offers notification emails, secure portals, and responsive support for a frictionless payout experience.
Why Congruent?
With 20+ years of experience in the retirement industry, Congruent understands the operational and compliance complexity of retirement payroll — and solves it with technology and people working together.
Outcome: Predictable Payroll. Fewer Headaches. Better Experience.
– Streamlined intake from any file format or sponsor source
– Accurate, compliant, and timely disbursements
– Reduced risk and administrative effort
– Scalable support for growing plans and participants
