Congruent Solutions, a leading retirement plan technology and services provider, and Manifest, the first embedded, digital rollover experience, today announced a strategic partnership to help participants consolidate retirement savings and seamlessly transition those assets into growth and guaranteed lifetime income solutions.
This partnership strengthens Congruent’s broader platform ecosystem—including its CORE recordkeeping platform, Retirement Edge income solution, and plan administration services—delivering a unified, end-to-end retirement experience spanning accumulation, retention, and decumulation.
The modern workforce is increasingly mobile, with the average American changing jobs 12 times over their career—often leaving behind multiple retirement accounts. Today, the typical worker holds 2.8 such accounts, yet nearly 90% of participants never complete rollovers due to a process that is manual, fragmented, and time-consuming.
Manifest addresses this challenge by digitizing the rollover experience end-to-end, enabling participants to consolidate an average of $110,000 back into their active retirement plan.
Through this partnership, Manifest’s capabilities will be embedded across Congruent’s ecosystem:
- CORE Platform: Enables recordkeepers and TPAs to offer seamless, in-plan consolidation and asset retention
- Retirement Edge: Empowers participants to transition consolidated assets into guaranteed lifetime income solutions
- Plan Administration Services: Supports operational efficiency and reduces leakage across the retirement lifecycle
Participants can now locate legacy accounts, initiate rollovers, and reallocate assets into appropriate investment and income products—all within a single, connected digital experience. What once required paperwork, multiple touchpoints, and weeks of waiting can now be completed in minutes.
“Our goal is to reduce friction across the entire retirement journey—not just at a single point in time,” said Mahesh Natarajan, Chief Revenue Officer of Congruent Solutions. “By integrating Manifest across CORE and Retirement Edge, we are enabling participants to bring their savings together and immediately put those assets to work—whether that’s continued growth or converting them into guaranteed income.”
The partnership is particularly impactful in advancing Retirement Edge, Congruent’s solution designed to address one of the industry’s biggest gaps: helping participants convert savings into predictable, lifelong income. By embedding rollover and consolidation capabilities directly into the experience, Retirement Edge ensures that more participant assets are retained within the system and activated at the right moment for income generation.
Beyond participant benefits, the combined solution delivers measurable value across the ecosystem:
- For participants: A simplified, unified journey from fragmented savings to structured retirement income
- For recordkeepers: Increased asset retention, higher average balances, and improved participant engagement
- For advisors: Enhanced ability to guide participants toward outcome-oriented investment and income strategies
By connecting consolidation with income activation, Congruent and Manifest are addressing a critical industry challenge—ensuring that retirement savings are not only preserved but also optimized for long-term financial security.
“We built Manifest to close the gap between where retirement savings end up and where they should be,” said Anuraag Tripathi, CEO of Manifest. “Partnering with Congruent allows us to embed that capability across CORE and Retirement Edge, reaching participants at the right moment and making it easy to bring their full financial picture together.”This partnership reinforces Congruent’s vision of a fully connected retirement ecosystem—where technology, administration, and income solutions work together to improve participant outcomes and accelerate the adoption of lifetime income strategies within defined contribution plans.
About Congruent
Congruent Solutions is a trusted specialist in product and technology-driven services for the U.S. retirement industry since 2004. Its CORE SaaS platform, Retirement Edge (a technology solution enabling guaranteed income within defined contribution plans), and outsourced plan administration services empower leading Fortune 500 plan providers, carriers, and third-party administrators to solve business challenges and prepare for the future.
https://www.congruentsolutions.com/
About Manifest
Manifest is a digital rollover solution that modernizes the participant rollover experience, transforming a cumbersome, manual process into less than 10 minutes of participant effort. Manifest partners with 40+ recordkeepers, 20,000+ advisors, and multiple asset managers, reaching over 10 million participants with the mission to maximize retirement savings outcomes for all.
