Straight Through Retirement (STR)
Where retirement product and plan management meet strategic intelligence
STR is not another point solution. It is enterprise infrastructure connecting strategy, product, and execution across the retirement lifecycle.
Straight Through Retirement (STR) is purpose-built enterprise software for retirement providers. It sits in front of existing recordkeeping systems — unifying product governance, plan data, and operational intelligence into one structured system of record that addresses challenges across the retirement value chain.
With STR, retirement providers can:
Lead with confidence: Act on facts and data intelligence
Elevate expertise: Move from order takers to strategic leaders
Maximize revenue: Identify sales opportunities, control pricing, and reduce complexity
Achieve scale: Standardize without increasing cost
The STR Suite
Three integrated modules.
One controlled ecosystem.
STR Intelligence
From Plan Data to Strategic Action
STR Intelligence centralizes, normalizes, and standardizes plan data across the provider ecosystem — transforming fragmented documents and system inputs into structured, reliable intelligence. Built on the MCA Retirement Services and Product Directory, our proprietary industry data model, STR Intelligence not only extracts and organizes plan data, but analyzes it to surface discrepancies between plan documents and system setup, flag missing or outdated documentation, identify revenue leakage, and uncover optimization and cross-sell opportunities. The result is a consistent, governed data foundation that enables confident decision-making across product, operations, sales, and servicing.
actionable intelligence that drives revenue realization.
STR Product
Govern and Optimize the Product Lifecycle
STR Product defines, controls, and maintains retirement product offers with discipline and precision. It enables firms to configure standardized offers, manage pricing and feature elections, establish administration guardrails, control exceptions through structured workflows, and keep plan documents and system definitions aligned. Embedded with market insight and MCA’s Retirement Services and Product Directory, STR Product ensures product definitions remain consistent, competitive, and operationally executable — while providing visibility into adoption, distributor effectiveness, and overall profitability.
Product governance that protects margin and drives profitable growth.
STR plan
Control the Plan Lifecycle from Sale to Service
STR Plan connects sales, implementation, servicing, and governance in a closed-loop system. It streamlines proposal generation aligned to preferred product offers, guides wholesalers and sales teams toward best-fit configurations, and governs approvals, pricing, and exceptions through structured workflows. Accepted proposals convert into clean implementation orders, while ongoing plan management monitors offer consistency, regulatory impacts, restatements, growth opportunities, and profitability across the book of business.
Lifecycle control that reduces risk, accelerates growth, and protects plan-level profitability.
STR Delivers Measurable results
Lower Cost to Serve
Reduce unnecessary complexity and eliminate low-value activity to free operational capacity.
Revenue Optimization
Uncover uncollected fees, strategic product opportunities, and sales growth potential.
Regulatory & Risk Control
Proactively monitor documentation, plan-system alignment, and exception governance.
Stronger Client Experience
Empower relationship and sales teams to operate as consultative experts — not order takers.
Scalable Execution
Standardized offers and workflows that support disciplined growth at scale.
See the STR Prototype
If you are evaluating product governance, plan data strategy, cost-to-serve optimization, or enterprise platform modernization, we welcome the conversation.