This article describes how to configure a client for the Fidelity Deduction Feedback to CoAd. GPAY moov definition used for 360 integration. Each client configuration will vary based on their plan specification and will need to be configured accordingly.
The Fidelity Deduction Feedback to CoAd. GPAY moov will process standard deduction changes submitted by Fidelity. For plans that participate in supplemental or bonus payroll deductions, detamoov will send a summarized notification of the supplemental or bonus amounts of what is received in the feedback data, as a summary only; no changes will be made in payroll by detamoov for supplemental or bonus records.
Notes on Fidelity plans with supplemental or bonus deductions:
- The Fidelity feedback data does not indicate if a supplemental or bonus record amount is a per-payroll deduction or a one-time lump sum
- For plans with these options enabled, participant records that do not have these deductions will be received from Fidelity as zero-filled and included in the summarized notification that is sent.
Create an SFTP Account in detamoov
Fidelity will send the feedback file to detamoov via SFTP. To create an SFTP account, make sure you are logged in with an administrator level account. Click on your initials in the top right corner and select the Admin Console link.
Within the Admin Console, select the Settings tab and click on the SFTP row. Once the SFTP area expands, click the Add button to add a new SFTP account.
The side sheet will be where you'll enter information on your new SFTP account. All fields are required. Here's some information on each field:
- Username: required, cannot contain spaces and must be unique across all SFTP accounts.
- Password: required and must adhere to the standard detamoov password requirements.
- Confirmation password: required and must match the password field exactly (case sensitive).
- Description: required and used to describe why you're creating this account.
Once you've entered all the information above, click Save and your account will be created.
Provide Fidelity with the SFTP credentials created above to allow them to send the feedback files for your client.
Host: sftp.prod.detamoov.com
Port: 22
Username: username created above
Password: password created above
Fidelity - Electronic Data Transmission Connectivity Form
You will need to complete the Fidelity Electronic Data Transmission (EDT) connectivity form to enable 360. For more information, please see the Fidelity - Electronic Data Transmission Connectivity Form article.
To add a moov to your account, click on moovs on the left hand menu and click the ADD button in the upper right.
Then expand the Retirement - Retirement to Payroll panel, select the moov you wish to adopt and click the USE THIS MOOV button on the right.
detamoov will validate the feedback data coming from Fidelity for any Catch Up records. If a Catch Up record is found, a validation report will be sent and the Catch Up records will be filtered out of the data sent to CoAd. GPAY. These records are filtered out as a result of our implementation team being notified that Catch Up is automatically configured in CoAd. GPAY.
In the event that a Catch Up record is sent by Fidelity, the Fidelity Deduction Feedback to CoAd. GPAY moov will generate a notification email. An example of the validation report generated when a deduction record contains a Catch Up:
To edit the validate file step, click on the cog icon under step 6: Action - Validate File on the left. Then toggle the "Use default parameters" off and enter in the email addresses you would like to receive the notification. If you would like to enter multiple email addresses, separate them with a comma. A Reply to email is also required in the event that a recipient of the notification replies to the email.
To save your parameters click on the Save Changes button.
Send File Settings - Executive Summary
The Fidelity Deduction Feedback to CoAd. GPAY moov provides a notification once the moov is complete with a summary of the retirement plan changes that were made in CoAd. GPAY. The notification can be sent to any email address you wish and can also be configured to send to multiple email addresses.
To edit the send file step, click on the cog icon under step 13: Action - Send File on the left. Then toggle the "Use default parameters" off and enter in the email addresses you would like to receive the notification. If you would like to enter multiple email addresses, separate them with a comma. A Reply to email is also required in the event that a recipient of the notification replies to the email.
Note: these settings apply to any client configuration you set up for this specific moov. You also have the ability to configure the send file step for each client configuration if you wish to add or remove email addresses per client.
To save your parameters click on the SAVE CHANGES button.
Send File Settings - Supplemental/Bonus
The Fidelity Deduction Feedback to CoAd. GPAY moov provides a notification once the moov is complete with a summary of the supplemental/bonus amounts sent by Fidelity. The notification can be sent to any email address you wish and can also be configured to send to multiple email addresses.
To edit the send file step, click on the cog icon under step 19: Action - Send File on the left. Then toggle the "Use default parameters" off and enter in the email addresses you would like to receive the notification. If you would like to enter multiple email addresses, separate them with a comma. A Reply to email is also required in the event that a recipient of the notification replies to the email.
Note: these settings apply to any client configuration you set up for this specific moov. You also have the ability to configure the send file step for each client configuration if you wish to add or remove email addresses per client.
To save your parameters click on the SAVE CHANGES button.
In the moov configuration section, click the ADD button to add a new client to the moov.
Client/Entity - either select an existing client or click the + sign to create a new client.
Status - Set to Active
Expected Frequency - the client's payroll frequency
File Name Starts With - odc[Fidelity provided value]
(This value is generated by Fidelity. Please confirm the exact file name to ensure the files for your client are pulled from their SFTP successfully)
File Name Contains - def
Note: make sure that the File Name Starts with field matches as this can cause issues pulling the Fidelity feedback file and updating CoAd. GPAY.
Fidelity Deduction Feedback File Format
The Fidelity Deduction Feedback file is sent in a fixed-length format where each deduction is identified by a Record Identifier. Below is a table showing the Fidelity Record Identifiers and the corresponding deduction type:
| Record Identifier | Deduction Type | Notes |
| 01 | Participant Identification | |
| 02 | PreTax/AfterTax Percent | Supported |
| 02 | PreTax/AfterTax Percent Supplemental |
Not supported in detamoov Sent in a summary |
| 02R | Roth Percent | Supported |
| 02R | Roth Percent Supplemental |
Not supported in detamoov Sent in a summary |
| 04 | PreTax/AfterTax Dollar Amount | Supported |
| 04 | PreTax/AfterTax Dollar Amount Supplemental |
Not supported in detamoov Sent in a summary |
| 04R | Roth Dollar Amount | Supported |
| 04R | Roth Dollar Amount Supplemental |
Not supported in detamoov Sent in a summary |
| 05 | Status Code | |
| 06 | Spillover Percent | Not supported in detamoov |
| 06C | Catch Up Percent | Supported |
| 06R | Roth Catch Up Percent | Supported |
| 07 | Spillover | Not supported in detamoov |
| 07C | Catch Up Dollar Amount | Supported |
| 07R | Roth Catch Up Dollar Amount | Supported |
| TT1 | Trailer Record |
Certain records are automatically sent for a participant when your client's plan has an available election, even if the participant has not made an election. For example:
If Roth elections are available in the plan, the Pre-Tax/After-Tax records and Roth records will always be sent together.
If Roth Catch Up elections are available in the plan, the regular Catch Up records and Roth Catch Up records will always be sent together.
If a participant changes one or more of their deferral elections, all of their deferral elections will be fed back on the feedback file.
The Pre-Tax and After-Tax deductions exist on the same record in the Fidelity Deduction Feedback file. detamoov needs to create both of these deductions from the record as we have no way of knowing if your client's plan has one or the other, or both. So we create a filter to remove the After-Tax record by default and allow you to override the default settings.
Remove the After-Tax filter
If your client's plan has an After-Tax contribution then you will need to remove the default filter rule to allow detamoov to send the appropriate deduction.
To create a filter override locate step 7: Action - Filter , expand the Filter Overrides section and click ADD.
Select Filter 5: Deduction Code and click Add Override.
On the right-hand side, hover over the Deduction Code | STRING field and click the trash can icon and click OK.
Add a Pre-Tax filter
If your client's plan has an After-Tax contribution, but doesn't have a Pre-Tax contribution, then you will need to change the default filter rule to allow detamoov to send the appropriate deduction.
To create a filter override locate step 7: Action - Filter, expand the Filter Overrides section and click ADD.
Select Filter 5: Deduction Code and click Add Override.
On the right-hand side, replace the text "401k PostTax" with the text "401k" and click OK.
Configure the CoAd. GPAY Retirement 360 Step
To configure the CoAd. GPAY Retirement 360 step for your client, locate the Action - CoAd. GPAY Retirement 360 step, expand the CoAd. GPAY API panel and click ADD.
On the side panel that appears, select your CoAd. GPAY Premier Integration and enter in the following credentials:
Employer Unique ID - the Employer # in CoAd. GPAY
Loan Deduction Codes - this field can be left blank as Fidelity sends loan changes in a separate feedback file
You can also enter in one or more email addresses in the Error Messages Email. If left blank, all detamoov users on your account will receive emails if the CoAd. GPAY API import fails.
Click OK to complete the CoAd. GPAY Retirement 360 configuration.
Send File Step Override - Executive Summary
At the beginning of this article you configured the send file step for the moov to send a notification once the moov had completed. You also have the ability to configure the send file step for each client configuration if you wish to add or remove email addresses per client.
To override the send file step, locate step 13: Action - Send File and toggle the "Use default parameters" off and enter/remove email addresses from Email Address and Reply To fields. If you would like to enter multiple email addresses, separate them with a comma.
Filter Override - Supplemental or Bonus
Remove the After-Tax Supplemental or Bonus filter
The Pre-Tax and After-Tax supplemental/bonus deductions exist on the same record in the Fidelity Deduction Feedback file. detamoov needs to create both of these deductions from the record as we have no way of knowing if your client's plan has one or the other, or both. So we create a filter to remove the After-Tax Supplemental record by default and allow you to override the default settings.
If your client's plan has an After-Tax contribution with a supplemental or bonus option, you will need to remove the default filter rule to allow detamoov to send the appropriate deduction.
To create a filter override locate step 15: Action - Filter, expand the Filter Overrides section and click ADD.
Select Filter 1: Deduction Code and click Add Override.
On the right-hand side, scroll to the bottom of the Filter Rules. Hover over the Deduction Code | STRING field for "401k PostTax Supplemental" and click the trash can icon and click OK.
Add a Pre-Tax Supplemental or Bonus filter
If your client's plan has an After-Tax contribution with a supplemental\bonus option, but doesn't have a Pre-Tax contribution with a supplemental\bonus option, then you will need to change the default filter rule to allow detamoov to send the appropriate deduction.
To create a filter override locate step 15: Action - Filter, expand the Filter Overrides section and click ADD.
Select Filter 1: Deduction Code and click Add Override.
On the right-hand side, replace the text "401k PostTax Supplemental" with the text "401k Supplemental" and click OK.
Send File Step Override - Supplemental/Bonus records
At the beginning of this article you configured the send file step for the moov to send a summary of supplemental/bonus records received from Fidelity. You also have the ability to configure the send file step for each client configuration if you wish to add or remove email addresses per client.
To override the send file step, locate step 19: Action - Send File and toggle the "Use default parameters" off and enter/remove email addresses from Email Address and Reply To fields. If you would like to enter multiple email addresses, separate them with a comma.
To complete the configuration for your client, click the Next button at the bottom of the page and then the Save button on the moov summary page.
Principal sends the updates to loans in a separate file and requires that you configure the Fidelity Loan Deduction to CoAd. GPAY moov. If your client's plan has loans, please see the How to configure the Fidelity Loan Feedback to CoAd. GPAY article.
