Congruent CORE platform is a cloud-native AI-powered 401(k) recordkeeping platform. CORE is a cloud-native, AI-powered recordkeeping platform built to power the entire plan administration lifecycley. It helps recordkeepers and TPAs by combining intelligent automation with scale-on-demand infrastructure. CORE eliminates manual bottlenecks, reduces operational costs, and simplifies compliance at every step. The result is a smarter, more efficient way to administer plans — and a better experience for sponsors and participants alike.
Manage participant loan requests, hardship withdrawals, and distribution events through a streamlined, end-to-end processing workflow. Congruent helps reduce manual effort, improve processing accuracy, and ensure timely execution while supporting compliance with plan rules and regulatory requirements.
Centralize the management of plan documents, participant data, and contribution records in a single, organized platform. Congruent helps maintain accurate, up-to-date, and audit-ready plan information, reducing administrative effort while supporting compliance and efficient day-to-day plan operations.
Powered by the CORE platform, Congruent delivers a modern foundation for 401(k) recordkeeping with cloud-based architecture, AI-assisted automation, and open integration capabilities. Built for today’s recordkeepers, TPAs, and plan administrators, CORE streamlines plan administration, improves operational efficiency, and adapts to evolving business and regulatory requirements.
Congruent provides specialized support for Multiple Employer Plans (MEPs) and Pooled Employer Plans (PEPs), including onboarding, compliance, participant administration, and ongoing plan servicing. Designed to help providers navigate the evolving retirement landscape, our services support the growing adoption of MEPs and PEPs under SECURE Act 2.0 while improving operational efficiency and compliance.
CORE Year End helps recordkeepers and TPAs manage the most demanding stretch in plan administration, 401k Compliance Testing, valuations, contribution reconciliation, and 5500 preparation and meet the tight deadlines easily and zero room for error. CORE Year End takes the pressure off. CORE Year End streamlines the entire year-end close process, cutting down manual data reconciliation and repetitive testing so your team can move faster with fewer errors. Automate compliance checks before they become issues. Accelerate valuations and reporting without adding staff during your busiest season. With CORE Year End, what used to take weeks of manual effort becomes a streamlined, predictable process, freeing your team to focus on client relationships instead of spreadsheets.
Congruent provides a structured onboarding process for new retirement plans, including data migration, plan setup, validation, and participant communications to support a smooth transition. Our experienced onboarding team follows a proven implementation methodology and timeline, helping recordkeepers and plan administrators accelerate go-live while minimizing disruption and ensuring data accuracy.
Talk to the Congruent team to learn how we can support your recordkeeping operations.
