Industry · Retirement
A long-horizon plan-holder behavior transformer pre-trained self-supervised across millions of plan-holder histories — contributions, plan events, decumulation transitions. Downstream heads fine-tune to plan type, sponsor framework, and tax regime — and agents execute up-sell, retention, and rollover plays without breaking suitability.
01 · SharpAI
Predictive models
10 models · foundational + downstream
02 · AUTONOMY
Agents
20 agent patterns in this vertical
03 · FDE
Engineering services
3 anonymized engagements
01 · SharpAI · Retirement
A sequence-transformer pre-trained on plan-holder histories — contributions, plan changes, sponsor events, life-stage transitions, decumulation signals. Downstream heads attach to the embedding and fine-tune to plan type, sponsor framework, and tax regime — including the long-horizon survival heads retirement requires.
Foundation · what the backbone tokenizes
Millions of plan-holder histories across multi-decade horizons. Each dot is a raw signal the Plan-Holder Behavior Transformer tokenizes — hover or tap to see what it is.
Downstream · what the head consumes
The mandatory → voluntary up-sell head reads the frozen PHBT embedding plus a focused set of decision-time features. Hover any node — these are the inputs that drive the prompt.
Foundation models · self-supervised pre-training, frozen backbone reused downstream
Backbone for retirement intelligence. Tokenizes contribution events, plan-level interactions, sponsor-side changes, and life-stage transitions into a multi-year event sequence. Time-aware encoding handles the long-cycle nature of retirement portfolios (10-40 year horizons).
Transformer encoder · multi-head attention with long-horizon positional encoding · 224-dim embedding · sponsor-context cross-attention
Pre-training objectives
Corpus · Millions of plan-holder histories across retirement and pension portfolios · multi-decade event coverage where data permits · multi-sponsor and multi-plan-type joint pre-training
Downstream heads · fine-tuned on the frozen foundation embedding per institution and use case
Predicts which plan holders will respond to a voluntary contribution prompt — by amount and timing.
Joint amount + time-to-response head
Up-sell propensity from mandatory plans into voluntary plans.
Fine-tuned head · plan-type-conditioned
Predicts rollover events (job change, retirement) and surfaces capture opportunities.
Event-anticipation head over PHBT embedding
Predicts cancellation in pension portfolios months in advance.
Long-horizon survival head · 90/180/365-day calibration
Predicts attrition in life portfolios paired with retirement products.
Multi-product survival head
Predicts plan-holder engagement with statements, digital tools, and education prompts.
Linear probe over frozen embedding
Identifies plan holders eligible for catch-up contributions and likely to respond.
Eligibility-gated propensity head
Surfaces households entering decumulation; estimates the retirement income gap relative to target.
Regression head + lifecycle-phase classifier
Surfaces sponsor-level engagement and retention risk — feeds the institutional relationship team.
Aggregated head over sponsor-pooled embedding
$11.17B
AUM up- and cross-sell opportunity identified · top US financial services + insurance
90+ days
Advance signal on retirement closures · top 5 BR insurer
Plan-holder
Resolution at the individual plan-holder level
Pre-action
Suitability checked on every recommendation
02 · AUTONOMY · Retirement
Retirement portfolios run on annual cycles with short-window events inside them — open enrollment, rollover triggers, income-planning conversations. These agents act on each signal at the moment it appears.
20 agent patterns · ordered by deployment maturity
Predicts up-sell from mandatory to voluntary retirement plans; routes targeted communication to existing plan holders.
Trigger · Plan event + score
↳ $11.17B AUM opportunity identified
Predicts cancellation in pension and life portfolios; opens pre-emptive retention plays months before the cancellation window.
Trigger · Cancellation score threshold
↳ 7 of 10 closures predicted 90+ days advance
Detects job-change and retirement events; surfaces rollover capture opportunity to the advisor or direct channel.
Trigger · Job-change / retirement event
Recommends contribution adjustments to individual plan holders given salary, life-stage, and sponsor context.
Trigger · Salary change / annual window
Identifies plan holders eligible for catch-up contributions and prompts them through the sponsor or direct channel.
Trigger · 50th birthday / eligibility
Drives open-enrollment engagement — personalized prompts, education content, and contribution recommendations to plan holders.
Trigger · Open enrollment window
Detects plan holders entering decumulation; surfaces income-planning conversations to the advisor team.
Trigger · Lifecycle stage transition
Estimates retirement income gap relative to target and surfaces gap-closure conversations.
Trigger · Annual review + gap threshold
Surfaces sponsor-level engagement and retention risk; routes the relationship play to the institutional team.
Trigger · Sponsor signal + threshold
Drives onboarding velocity for new plan holders — first contribution, beneficiary designation, digital activation.
Trigger · Enrollment event
Detects life events that require beneficiary updates (marriage, divorce, birth) and prompts the plan holder.
Trigger · Life event signal
Generates personalized annual statement narratives — what changed, what to do, what to consider — at scale.
Trigger · Annual statement cycle
Detects disengaged plan holders and runs reactivation cadences through the sponsor or direct channel.
Trigger · Engagement decay threshold
Tier-1 conversational resolution on plan loans and hardship withdrawals — explains options, routes to a human on suitability.
Trigger · Loan / hardship inquiry
Manages RMD calculations and notifications across the plan-holder population; escalates exceptions to ops.
Trigger · RMD eligibility / annual cycle
Generates and routes plan-holder tax documents; answers Tier-1 questions through the support channel.
Trigger · Tax season
Detects plan holders ready for cross-product hand-off (advisory, IRA, brokerage) and routes the conversation.
Trigger · Cross-product score threshold
Pre-checks every plan-holder-facing recommendation against suitability, ERISA, and sponsor policy before it reaches a channel.
Trigger · Pre-action gate
↳ Pre-action compliance
Schedules personalized outbound contact across email, voice, and sponsor channels — frequency-capped per plan holder.
Trigger · Score + campaign
Coordinates open-enrollment, voluntary plan up-sell, beneficiary, and contribution agents on a single campaign — one audit trail.
Trigger · Open enrollment campaign
↳ Coordinated enrollment play
$11.17B
AUM up- and cross-sell opportunity identified
90+ days
Advance signal on closures
Plan-holder
Personalized at individual resolution
ERISA-aware
Suitability checked pre-action
03 · FDE · Retirement
Senior engineers embedded with the platform's recordkeeping, plan administration, and advisor teams — integrating with recordkeeping systems and sponsor portals against ERISA / regional regulator expectations.
Read-only access into recordkeeping (proprietary / SS&C / Empower / others), sponsor portals, and participant-facing surfaces — via API or secure direct database.
Pre-action suitability checks against ERISA, sponsor policy, and local regulator expectations; explainability per recommendation logged for audit.
Recommendations land in the participant-facing portal, the sponsor admin tool, and the advisor desktop — no separate dashboard.
Tax-season and RMD-cycle automations built into the deployment — document generation, notification, exception routing.
For multi-product firms — hand-off into advisory, IRA, or brokerage with the right context and the right audit trail.
Every score, recommendation, and action captured with lineage — for sponsor reporting, regulator examination, and internal audit.
Anonymized engagements · same engineering team end-to-end
Top US financial services + insurance
Multi-line carrier with retirement business
Mandatory-to-voluntary up-sell modeling across the retirement plan-holder base, with multi-channel agent execution through sponsor and direct surfaces.
$11.17B AUM up- and cross-sell opportunity identified.
Top 5 Brazilian insurer · retirement line
Pension portfolio
Cancellation prediction with 90+ day advance signal and pre-emptive retention agents through advisor and direct channels.
7 of 10 retirement closures predicted 90+ days in advance.
Regional retirement platform
Multi-sponsor recordkeeping platform
Open-enrollment orchestration and contribution-optimization agents across hundreds of sponsors and millions of plan holders.
Personalized enrollment at scale; sponsor-level engagement uplift.
Team shape — typical FDE composition for this vertical
Embedded senior engineers, predictive models in production, and agents that execute on every score.
