No more hiring or training cycles
No dependency on legacy systems
Predictable, optimized cost structure
Improved turnaround times & SLAs
Scalable operations aligned to your growth
Congruent follows strict data security and privacy standards to protect client information. Our practices are aligned with ISO 27001, and we are SOC 1 and SOC 2 compliant, ensuring strong controls for data security, availability, and confidentiality. With measures like encryption, access controls, and regular audits, we safeguard sensitive retirement plan data at every stage.
Forget about software and hiring trained administrators. Focus on growing your business, servicing your sponsors and offering new services. We handle the rest.
End-to-end Participant and plan-level recordkeeping, including
Plan onboarding and maintenance
Distributions, loans, contributions, eligibility, vesting and more
Trading and reconciliations
Fee processing
Compliance testing and oversight
SLA-driven execution
Fee compression, rising volumes, complex transactions, and service expectations are
stretching operations teams thin. Legacy systems and processes make it hard to scale without
increasing costs. Congruent’s BPaaS model, built on CORE and automated through OPA, delivers
standardized, SLA-driven operations across the entire plan lifecycle. Scale efficiently
while improving service quality and turnaround times.
End-to-end non-discrimination testing (ADP/ACP, Top Heavy, Coverage, 402(g), 415 limits)
Complete year-end processing, including data validation, corrections, and reconciliations
Form 5500 preparation and filing support, including schedules and attachments
Error identification, correction handling, and compliance issue resolution
Cross-platform delivery on Relius, ftwilliam, ASC, and other leading systems
Audit-ready documentation and reporting
Timely execution aligned with regulatory deadlines
Scalable support to handle peak season volumes
We deliver end-to-end compliance testing and year-end support to ensure your plans remain compliant, accurate, and audit-ready. Our services cover non-discrimination testing (ADP/ACP, Top Heavy, coverage), year-end processing, and Form 5500 preparation support.
We work seamlessly across all leading platforms, including Relius, ftwilliam, and ASC, enabling flexibility within your existing ecosystem. With a focus on accuracy, timeliness, and regulatory adherence, we help you reduce risk, meet deadlines, and streamline your year-end operations.
Reduced cost
Minimize compliance risk
Improve audit readiness
Reduce dependency on specialized in-house experts
Enhance the plan sponsor experience
End-to-end processing of participant loans and distributions (All type of withdrawals, rollovers, hardship, in-service)
Eligibility validation and compliance checks aligned with plan provisions and IRS regulations
Loan setup, amortization scheduling, repayment tracking, and default management
Distribution processing, including tax reporting (1099-R), withholding, and documentation
Exception handling, case management, and participant communication support
Loans and distributions are among the most complex, high-touch transactions in retirement operations—requiring strict compliance, accuracy, and fast turnaround. Manual processing, fragmented systems, and exception handling often lead to delays and increased risk. Congruent’s BPaaS, powered by CORE and orchestrated through a dedicated team trained extensively in the Loans and Distributions process, standardizes and automates the end-to-end L&D lifecycle. The result: faster processing, reduced errors, and a consistent participant experience—without increasing operational overhead.
Faster ramp-up for new hires
Consistent quality across teams
Reduced training costs
Full management of the Payroll lifecycle, including:
Payroll data processing & validation
Contribution calculation & reconciliation
Integration with plan systems
Exception handling & reporting
Payroll in retirement services is still too manual, fragmented, and error-prone—creating downstream risk for contributions and compliance. As plan complexity and your business grow, these inefficiencies only multiply. Congruent’s BPaaS, powered by CORE, standardizes payroll processing, validation, and data flow, all while being supported by our Managed Services team that manages exceptions, monitors workflows and ensures the payroll is completed on time. The result: happier clients, higher accuracy, faster turnaround, and fewer exceptions—without adding headcount.
Reduce errors and rework
Ensure timely and accurate contributions
Free-up internal teams to focus on customers
Improve the plan sponsor experience
Lower operational cost per plan
Improved service quality and turnaround
Scale without adding headcount
Digital Plan Onboarding, leveraging AI
Takeover Plan conversions
Plan Document setup
Plan specification management
Data reconciliation, maintenance, and governance
Workflow-driven plan lifecycle management
Poor data quality, manual workflows, and a lack of visibility often slow plan setup and ongoing management. This impacts onboarding speed and client experience. With CORE as the system of record and our outsourced plan administration services enabling workflow-driven execution, Congruent streamlines plan management end-to-end. Faster onboarding, cleaner data, and a better client experience from day one.
Faster onboarding cycles
Improved data accuracy
Superior client experience from
Day 1
Integrated technology + operations + domain expertise
Flexible engagement models (modular or end-to-end)
Single accountable partner across processes
Improve bottom line
through cost efficiency and productivity
Grow top line
by focusing on client acquisition and retention
Enhance client experience
with faster, more reliable service
Get a callback from a senior
solutions consultant from
Congruent today.
