Plan onboarding is critical, complex, and laborious. Whether you’re onboarding a new client, migrating from another provider, or consolidating platforms, converting historical data, rules, and participant information requires meticulous attention to detail and lots of work.
Congruent’s Plan Conversion Services, powered by our AI-enabled CORE solution, streamline the entire process — ensuring accurate, efficient, and compliant transitions that set the stage for long-term client satisfaction.
The Challenge: Plan Conversions are High-Risk, High-Stakes
- Multiple File Formats & Sources: Conversion data from prior recordkeepers comes in varying formats, often incomplete or undocumented.
- Historical Data Depth: Balances, contributions, loan data, and vesting histories must be cleanly migrated without loss or distortion.
- Manual Mapping Overload: Traditional conversions require time-consuming manual mapping, increasing risk of error and delaying go-live.
- Plan Rule Translation: Custom provisions must be interpreted and accurately configured in the new system.
- Tight Timelines: Sponsors expect minimal disruption and fast go-live — errors or delays can damage trust.
The Solution: Congruent’s AI-Powered Plan Conversion Approach
We combine retirement domain experts with the automation strength of our proprietary CORE solution to deliver conversions that are both fast and precise.
How Do We Help?
AI-Powered CORE:
Our proprietary tools use AI to intelligently scan, interpret, and map incoming data formats into the destination system reducing manual effort and increasing speed and accuracy.
Comprehensive Data Mapping & Cleansing:
From balances and contributions to loans, forfeitures, and historical transactions, we ensure data integrity and completeness.
Plan Rule Interpretation & Setup:
CORE’s AI tools can read and translate plan documents into actionable system configurations — including eligibility, match, vesting, and distribution rules.
Parallel Testing & Reconciliation:
Multiple test cycles ensure clean cutover, accurate balances, and seamless participant experience at go-live.
Platform Agnostic Support:
We support conversions into CORE or other industry platforms like Relius, Omni, Trac, or proprietary recordkeeping systems.
Dedicated Conversion Specialists:
Our experienced teams coordinate across stakeholders — sponsor, prior provider, payroll — to ensure nothing falls through the cracks.
Why Congruent?
With over 20 years in the retirement industry, Congruent has delivered thousands of successful plan conversions across diverse plan types and platforms. We combine automation, deep expertise, and white-glove service to make your transitions seamless and scalable.
Outcome: Clean Data. Confident Go-Live. Happy Sponsors.
- Faster conversions with reduced manual effort
- Higher data accuracy with AI-assisted mapping
- Lower risk and operational burden
- Smooth experience for clients and participants from Day 1
- Reduced Cost
