A Daybright Financial Solution

A brighter way to handle IRAs

GROUPIRA® is a complete Safe Harbor auto-rollover IRA solution that automates administration, helps maintain compliance, and comes at no cost to plan sponsors. Powered by a best-in-class portal, GROUPIRA is trusted by TPAs and plan sponsors across more than 30,000 retirement plans nationwide. 

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  • 30,000
    PLANS SERVED BY GROUPIRA
  • 45,000
    GROUPIRA ACCOUNT HOLDERS
  • $200M
    ASSETS UNDER ADMINISTRATION
  • 3.55%
    NET IRA CREDIT RATE¹

Industry experience

Decades of benefits expertise behind every rollover

Since 2008, Daybright Financial has grown by bringing together more than 60 trusted local and national firms into one team specializing in employee benefits, retirement plans, and their associated compliance needs. GROUPIRA is one of the retirement solutions within the Daybright family, designed by professionals who understand the complexities of retirement plan administration and compliance because they’ve lived it firsthand. 

Product Overview

A complete Safe Harbor rollover solution

GROUPIRA turns a manual, error-prone process into a repeatable, trackable, compliant workflow — from lost-participant searches all the way to final IRA establishment.

No cost to the plan.

All participant searches and mailings are covered by GROUPIRA— free for plan sponsors and administrators to use.

Compliant by design.

Built-in features powered by automation deliver a complete end-to-end rollover experience aligned with DOL guidance at every step.

One of the highest crediting rates.

At 3.9%, participants can recoup fees through yield on balances of $2,000 or more.

Small details, big difference.

Save time and reduce errors with seamless data transfer, clear templates and populate recordkeeper forms automatically.

One portal to manage every scenario.

Upload data, run searches, generate custom notices, process rollovers, and track every project in real time from a single intuitive dashboard.

End-to-end transparency.

Complete visibility into the lifecycle of every force out, with minimal effort to administer, and a complete audit trail whenever you need it.

The problems we solve

Clear the accounts that pile up on your books.

Terminated participants, small balances, and uncashed checks create ongoing cost and risk. GROUPIRA takes them off your plate.

THE CHALLENGE WITHOUT GROUPIRA WITH GROUPIRA
Stranded accounts Manual, error-prone process Automated end-to-end workflow
Missing participants Untraceable, ongoing risk LexisNexis-based searches
Operational drain Team coordinates by hand Built-in project management
Fiduciary risk Lingers on your books Safe
Cost to the plan Staff time + admin fees $0 — fully absorbed

Who it's for

Built for every rollover scenario.

Safe Harbor auto-rollover IRAs.

For terminated-employee accounts under the applicable threshold ($5,000 today, rising to $7,000 under Secure 2.0 if adopted by December 2026) and for large cash out needs during plan terminations, including active plan closures and Chapter 11.

Check-recovery IRAs.

Automatically transfers issued-but-uncashed distributions into an IRA, aligned with DOL small-fund rollover rules (balances under $7,000).

Routine Force-Outs

Plan Terminations

Corporate Acquisitions

Workforce Reductions

Portal Experience

One portal. Total control.

Upload data, run searches, produce 30-day notices, batch-process distributions, and track every project in real time. Built on Microsoft Azure with integrations to LexisNexis, DocuSign, Plaid, Veratad, and FIS Relius.

Intuitive dashboard

Templates for file uploads

End-to-end automation

Industry-leading tech stack

Audit-ready visibility

Transparent workflows

Portal experience

You complete three steps. We do the rest.

Image of Laptop Screen

Why GroupIRA

Why plan sponsors and TPAs choose GROUPIRA

  • $0 to the plan.

    GROUPIRA absorbs all participant searches and mailings.

  • Higher yield for participants.

    One of the highest crediting rates available at 3.55%.

  • Reduced fiduciary risk.

    There is no charge, no hidden fees and no cost to the plan.

  • Less administrative burden.

    Automation and built-in project management replace manual work.

  • Compliance alignment.

    Safe-Harbor and DOL-aligned processes are built into every step.

  • Complete transparency.

    Audit-ready records and full lifecycle visibility.

Ready to simplify your rollovers?

See the portal in action and get a walkthrough tailored to your plans.

Talk to our team
Photo of Billie Durbin

"Partnering with GROUPIRA has relieved hours upon hours of manual work for our team. It gave us the ability to focus on servicing our clients and growing our business. We couldn't be more happy with the services they provide."

– Billie Durbin

Benefits Solutions, Etc.

¹ Daybright figures as of 2Q2026. The GROUPIRA crediting rate is net and reflects the issuer’s guarantee — as of, and current through, September 2026; subject to change.
GROUPIRA is a Daybright Financial Solution. This page is informational and is not legal or tax advice; consult your own advisors for plan-specific determinations.