Retirement payroll isn’t just another paycheck. It’s a regulated, high-stakes process involving custom payment rules, multiple stakeholders, and participant expectations all of which demand precision, timeliness, and compliance.
Congruent’s Retirement Payroll as a Service combines the automation power of our CORE Payroll platform with our Outsourced Plan Administration team to handle the complexity for you from workload tracking, to data validations, to match calculations and everything in between.
The Challenge: Retirement Payroll is Inherently Complex
- Diverse File Formats & Sources: Sponsors submit payroll and payment instructions in inconsistent formats (Excel, CSV, API, PDFs), often requiring manual normalization.
- Multiple Stakeholders: Sponsors, custodians, participants, and compliance teams all rely on synchronized data and timing.
- Compliance Sensitivity: Incorrect RMDs, tax withholding errors, or late payments can result in penalties or regulatory flags.
- Manual Coordination Overload: Tracking ACH instructions, validating participant elections, or reprocessing exceptions burdens internal teams.
- Non-Standard Payment Schedules: Participants choose custom frequencies, amounts, and payout types — not simple biweekly cycles.
The Solution: Congruent’s Retirement Payroll as a Service
We manage the entire payroll lifecycle — combining AI, intelligent automation, and experienced professionals to ensure accuracy, compliance, and peace of mind.
How Do We Help?
CORE Payroll Automation
- Handles diverse sponsor file types with an intelligent ingestion engine normalizing inconsistent formats into standardized workflows.
- Applies built-in validations to catch contribution mismatches, missing participant data, or timing conflicts before they trigger issues.
- Our partnership with Finch helps us provide 360-degree payroll integration
Trained Payroll Administrators
- Act as an extension of your team for “Contribution Management” Ensuring accurate and timely deduction and transmission of employee and employer contributions
- Proactively resolve discrepancies and ensure smooth execution without burdening your staff.
Why Congruent?
With 20+ years of experience in the retirement industry, Congruent understands the operational and compliance complexity of retirement payroll — and solves it with technology and people working together.
Outcome: Predictable Payroll. Fewer Headaches. Better Experience.
- Streamlined intake from any file format or sponsor source
- Accurate, compliant, and timely payroll funding
- Reduced risk and administrative effort
- Scalable support for growing plans and participants
- Reduced cost
