Pension Administration Software Built for Modern Retirement Programs

Manage recordkeeping, contribution processing, pricing workflows, reporting, compliance, and digital experiences in one connected pension administration platform.

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Recordkeeping, contribution processing, and reporting in one platform
Role-based portals for members, sponsors, and administrators
Built for configurable retirement administration workflows

Pension Administration Dashboard

Last updated: Today

Active Members 12,458 +124 this month

Contributions $8.2M This month

Processing 47 In queue

Contribution Queue

View All

ABC Construction - March 2026
247 members • $185,420

Validated

Metro Electric - March 2026
189 members • $142,850

Processing

City Infrastructure - March 2026
132 members • $98,730

Pending Review

Plan Summary

Total Plan Assets$412.5M

Member Accounts12,458

Average Balance$33,104

YTD Contributions$94.8M

Pension administration breaks down when recordkeeping, contributions, reporting, and member experience live in separate systems

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Fragmented administration workflows

When recordkeeping, processing, and reporting live in separate tools, pension administration becomes inefficient and error-prone.

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Manual contribution handling

Processing contributions across disconnected systems requires too much manual work and increases processing time.

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Limited reporting and compliance visibility

Without integrated reporting, administrators lack clear visibility into plan operations and compliance requirements.

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Disconnected sponsor and member experience

Members and sponsors need modern, connected digital experiences, not fragmented legacy portals.

Support for every plan type

Whether you're managing defined benefit, defined contribution, or target benefit plans, Pension OS provides the flexibility and precision you need.

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Defined Benefit Plans

Manage traditional pension plans with precise benefit calculations based on years of service, earnings formulas, and vesting schedules.

Service and earnings tracking
Benefit formula configuration
Pension projection tools

Defined Contribution Plans

Handle individual account balances, contribution limits, employer matching, and member-directed savings with complete accuracy.

Account balance tracking
Matching and vesting rules
Contribution limit monitoring

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Target Benefit Plans

Administer hybrid plans that combine elements of DB and DC structures, with adjustable benefits based on plan performance.

Target benefit calculations
Risk-sharing mechanisms
Flexible adjustment rules

Pension calculation engine built for accuracy and auditability

Process complex pension calculations with confidence. Our calculation engine handles service credits, benefit formulas, contribution allocations, and regulatory compliance automatically.

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Configurable calculation rules Define custom formulas, vesting schedules, service credit rules, and benefit adjustments that match your plan documents exactly.
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Validation and audit trails Every calculation is logged with full audit trails. Review inputs, outputs, and formula logic for any member at any time.
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Real-time calculation updates Process contributions and update member balances immediately. No batch delays or manual reconciliation required.
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Year-end processing automation Run annual calculations, interest credits, and benefit adjustments with automated workflows designed for year-end operations.

Calculation Preview Validated

Member: John Smith (#45782)

Years of Service18.5 years

Average Earnings (Best 5)$62,450

Benefit Multiplier2.0%

Vesting Percentage100%

Monthly Pension (Age 65) $2,310.65

Calculation Formula: Years × Avg Earnings × Multiplier × Vesting

Year-end statement generator

Generate professional, compliant annual statements automatically. Deliver critical pension information to members with clarity and confidence.

Annual Statement

2025 Pension Summary

Member Copy

Member Name Sarah Johnson

Member ID PEN-89234

Statement Date Dec 31, 2025

Defined Benefit Summary

Accrued Monthly Benefit$2,847.00 / mo

Credited Service12.5 years

Projected Benefit at 65$4,210.00 / mo

2025 Contributions$18,650.00

Years of Service12.5 years

Vesting Status100% Vested

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Year-end statement generator

Generate professional, compliant annual statements automatically. Deliver critical pension information to members with clarity and confidence.

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Automated statement generation Generate statements for all members or specific groups with one click. Include contribution summaries, balance details, service credits, and projections.
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Customizable templates Design statement templates that match your branding and regulatory requirements. Add custom sections, logos, and explanatory text.
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Multi-channel delivery Distribute statements via email, member portal, or traditional mail. Members can access current and historical statements anytime.
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Compliance and record retention Meet regulatory disclosure requirements automatically. Archive statements securely with full audit trails and version history.

Built-in email and SMS communication

Keep members, sponsors, and administrators informed with integrated messaging. No third-party tools or manual notification processes required.

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Email notifications

New Email Template Draft

Template Name Annual Statement Ready

Subject Line Your 2025 Pension Statement is Now Available

Recipients All Active Members (12,458)

Message Preview Dear {member_name}, Your annual pension statement is ready to view in your member portal...

Automated statement release notifications
Contribution processing confirmations
Account status and balance updates
Personalized templates with merge fields

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SMS alerts

SMS Campaign Scheduled

Campaign Name Contribution Reminder

Send Date April 15, 2026 at 9:00 AM

Recipients Members with opt-in (8,342)

SMS Preview
Union.dev: Your Q2 contribution of $1,850 has been processed. View details at union.dev/portal

Reply STOP to unsubscribe

Time-sensitive payment reminders
Processing status alerts
Document availability notifications
Opt-in/opt-out management built-in

Trigger-based automation

Send messages automatically based on events like contribution processing, statement generation, or account milestones.

Delivery tracking

Monitor open rates, click-throughs, and delivery status. Track member engagement with your communications.

Compliance-ready

Built-in consent management, unsubscribe handling, and audit trails for all member communications.

Member portal integrations for complete self-service

Give members 24/7 access to their pension information. Reduce administrative burden with a secure, branded portal experience integrated directly into Pension OS.

Member Dashboard

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Accrued Monthly Benefit $2,847/mo Payable at age 65

Credited Service 12.5 years

Projected at 65 $4,210/mo

12.5 Years of Service

100% Vested

$2.3k Monthly Pension

Quick Actions

▤View 2025 Annual Statement

▥Contribution History

□Retirement Projection Calculator

＋Update Contact Information

Everything members need in one secure location

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Real-time balance access Members view current balances, contribution history, service credits, and vesting status instantly—no waiting for quarterly statements.
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Document library Access annual statements, tax receipts, plan documents, beneficiary forms, and educational resources in one searchable library.
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Retirement projection tools Interactive calculators show projected retirement income based on different scenarios, helping members plan confidently.
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Profile and beneficiary management Members update contact information, designate beneficiaries, and manage communication preferences without staff involvement.
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Secure authentication Multi-factor authentication, role-based access controls, and encrypted data transmission keep member information safe.

Seamlessly integrated with Pension OS

The member portal pulls real-time data directly from Pension OS. When contributions are processed or statements are generated, members see updates immediately—no manual data syncing required.

▯Mobile responsive Access from any device, anywhere

◫Branded experience Customize with your logo and colors

♢Notifications Email and SMS alerts for activity

◎Support resources Help articles and FAQs built-in