{
  "request": {
    "method": "POST",
    "url": "https://api.tiaa.org/sia/v1/plans/PLAN-403B-001/participants",
    "headers": {
      "Authorization": "Bearer eyJhbGciOiJSUzI1NiIsInR5cCI6IkpXVCJ9...",
      "Content-Type": "application/json"
    },
    "body": {
      "firstName": "Jane",
      "lastName": "Smith",
      "dateOfBirth": "1975-06-15",
      "ssn": "ENCRYPTED_SSN_VALUE",
      "email": "jane.smith@university.edu",
      "allocationPercentage": 10.0
    }
  },
  "response": {
    "status": 201,
    "body": {
      "participantId": "PART-20260503-00847",
      "planId": "PLAN-403B-001",
      "firstName": "Jane",
      "lastName": "Smith",
      "dateOfBirth": "1975-06-15",
      "enrollmentDate": "2026-05-03",
      "accountBalance": 0.00,
      "vestingPercentage": 100.0,
      "status": "ACTIVE"
    }
  }
}