Plan Onboarding-as-a-Service: Fast, Accurate, Scalable
Onboarding new plans is a critical first impression — and a complex, detail-heavy process. From gathering plan documents and converting data to configuring systems and verifying rules, plan onboarding can be a bottleneck that delays go-live, frustrates sponsors, and overwhelms operations teams.
Congruent’s Plan Onboarding-as-a-Service simplifies and accelerates the process. Backed by our CORE platform and deep retirement domain expertise, we help you bring new plans online faster, with fewer errors and less internal strain.
The Challenge: Manual and Inconsistent Onboarding
– Multiple Inputs & Systems: Sponsor documents, prior recordkeeper data, payroll files — all in different formats and structures.
– Complex Plan Rules: Eligibility, vesting, contributions, loans, and match rules must be correctly interpreted and configured.
– High Error Risk: Manual data entry and interpretation increases the chance of setup issues that can cause downstream problems.
– Resource-Intensive: Onboarding requires trained staff, significant time investment, and coordination across multiple teams.
– Delays Hurt Relationships: Sponsors expect fast, seamless onboarding — any hiccup reflects poorly on the provider.
The Solution: Congruent’s Plan Onboarding-as-a-Service
We take care of the end-to-end onboarding process, ensuring every plan is set up accurately, configured to its specific rules, and ready for seamless administration from Day 1.
How We Help:
– Plan Data Collection & Validation:
Gather, review, and validate plan documents, conversion files, and payroll formats from sponsors and prior providers.
– Rule Configuration & Setup:
Translate plan provisions into system configurations for eligibility, vesting, contributions, and loans using CORE or your platform of choice.
– Conversion File Mapping:
Normalize and import historical data (balances, transactions, loans) with accuracy, ensuring data integrity for go-live.
– Sponsor & Payroll Integration:
Work with plan sponsors to onboard payroll processes, including file formats, delivery cadence, and validation rules.
– Quality Assurance & Parallel Testing:
Execute thorough QA, reconciliation, and dry runs to ensure smooth go-live and operational readiness.
– Dedicated Onboarding Specialists:
Our trained onboarding teams act as an extension of your operations — scaling as needed to handle volume spikes.
Why Congruent?
With 20+ years of experience onboarding retirement plans, Congruent blends deep operational expertise with platform knowledge — delivering speed, accuracy, and consistency across every plan.
Outcome: Seamless Start. Stronger Retention.
– Accelerated onboarding timelines
– Reduced internal workload and cost
– Fewer errors, smoother go-live
– Better experience for sponsors and participants
