Compliance Testing is complex, time-sensitive, laborious and demanding. For recordkeepers, plan providers, and TPAs, the annual compliance testing season brings a surge in workload, pressure to meet regulatory deadlines, and heightened risk of errors that can impact plan sponsors and participants alike.
At Congruent Solutions, we understand these challenges because we’ve been helping the retirement industry mitigate these challenges for over 20 years.
Why Is Compliance Testing Challenging?
- Highly Technical: Complex rules for ADP/ACP, Top-Heavy, 415 limits, and more — all requiring precision and expertise.
- Seasonally Peaked Workload: The rush hits in waves — January through April is especially intense, stretching internal resources.
- Error-Prone Under Pressure: High volumes, manual processes, and tight deadlines create conditions ripe for mistakes.
- Reputational Risk: Errors can lead to corrective actions, plan sponsor dissatisfaction, and potential regulatory scrutiny.
Congruent’s Advantage: Expertise, Scale and Experience You Can Trust
We bring deep domain expertise in retirement plan administration and extensive hands-on experience and deliver with accuracy and on time. We have deep experience utilizing leading Compliance Testing platforms – including Relius, ASC, ftwilliam.com, and others.
How Can Congruent Help?
- Specialized Teams: Our deep domain expertise and experienced compliance professionals work as an extension of your team.
- Scalable Support: Flex resources during peak season to relieve pressure on your staff and streamline your operations.
- Error Reduction: Rigorous review processes, quality control and automation reduce workloads and mitigate risk.
- Platform Agnostic: Proficiency across multiple testing systems ensures smooth integration within your operations.
Proven Results Over Two Decades
- 20+ years exclusively focused on the retirement industry
- Trusted by 50+ recordkeepers and TPAs
- Successfully processed more than 25000+ plans during the 2025 testing season of plans each year on time, error-free
Outcome: Peace of Mind During the Most Demanding Season
With Congruent Solutions as your Compliance Testing partner, you are assured of:
- Deep Domain Experts working on your plans
- Predictable delivery
- Quality assurance
- Reduced stress on your team
- Confidence that your business is in compliance
- Reduced operational costs
