Onboarding new plans is a critical first impression — and a complex, detail-heavy and traditionally a long process. From gathering plan documents and converting participant data to configuring systems and verifying rules, plan onboarding can be a bottleneck that delays revenue, frustrates sponsors, and overwhelms operations teams.
Congruent’s Plan Onboarding-as-a-Service simplifies and accelerates the process. Backed by our AI-powered 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 data interpretation increase the chance of errors 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 your business.
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 Do We Help?
- Generative AI analyzes plan documents automatically
- Dynamic questionnaires match perfect plan configurations
- End-to-end automation with complete stakeholder transparency
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
- Reduced cost
