Consistency check

Cohort sum deviates from the scheme total

Symptom

Schema-valid, but the fiduciary or investment administrator reports a reconciliation difference at scheme level.

Cause

pension.scheme.startAmount was determined from another source or at another moment than the cohort amounts, or empty cohorts were treated inconsistently.

Fix

Calculate the scheme total as the sum of the cohorts at the same valuation date, or agree with the receiver which difference is allowed. For message 1 the standard does not prescribe this reconciliation: according to the manual (section 3.2.1) the receiver can, if desired, make a total calculation, depending on what the parties agree. SIVI's own sample message has 100,000 next to a cohort sum of 135,000. The WTP Data Lab validator therefore reports a difference in message 1 as a warning. For message 2, Release 2027 does lay the reconciliation down: a cohort breakdown of the cashflow adds up to the amount at scheme level (manual section 6.3.1). There the validator reports a difference in netAmount as an error. It reports a difference in contributionAmount or withdrawalAmount as a warning: the inflow and outflow of a cohort also hold the shifts between cohorts (section 3.2.2), which cancel out in the net amount but not in inflow and outflow separately. In a Release 2026 message 2 every difference is a warning.

{ "startAmount": 100000.00, "pension": [ { "startAmount": 60000.00 }, { "startAmount": 50000.00 } ] }

{ "startAmount": 110000.00, "pension": [ { "startAmount": 60000.00 }, { "startAmount": 50000.00 } ] }

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