Database of pension plans and products in the EEA

The compilation of registered Database of Pension Plans and Products herein is intended to provide easily accessible information in accordance to Article 8 of EIOPA Regulation.

The Database is a unique resource providing a comprehensive snapshot of the European pensions’ landscape and helps to better understand pension systems in Europe.

The Database has been prepared by EIOPA on a best effort basis, with contributions from national competent authorities. Adjustments and simplifications were applied both in defining characteristics of plans and products and in providing the information by the authorities. Therefore, the Database should not be interpreted as a fully complete, “official” list of all pension plans, products or their providers available in EEA. Similarly, the definitions and classifications used have been established for the purpose of the Database and are not binding in any way.

In addition, for some countries the information contained in the Database may not be entirely explicative of the national context.

Scope

Plans and products included in the Database are those non-public arrangements and investment vehicles which have an explicit objective of retirement provision (according to a national social and labour law or tax rules) irrespective whether they are of occupational or personal type.

Both 1st pillar-bis pensions available in the Central and Eastern Europe (CEE) and plans/products which are defined in the legislation but not yet offered to the public (or have no members) are also included.

The pension plans managed by the State or public entities (1st pillar pensions) and “pure” annuities (i.e. products not linked to an accumulation phase) are excluded from the Database. 

The Database is aimed to be updated, checked for completeness, consistency and methodological aspects on an annual basis.

EIOPA has prepared this compilation from information received from EEA national competent authorities. EIOPA accepts no responsibility or liability whatsoever.

Any comments or questions on this compilation should be addressed to registers@eiopa.europa.eu

Previous Database of pension plans and products in the EEA

EIOPA is in the process of updating the information on the Database of Pensions, Plans and Products. Due to the current situation some delays are to be expected. As a result the register is incomplete. In order to ensure the continuation of the services provided by EIOPA, this Excel file contains the version of the register as of 11 March 2020.

Database of pension plans and products – Public area – Search

Country code:
Code of a pension plan, product or a provider:
Name of a type of a pension plan, product or a provider:
Applicable EU law/regulation:
Current/Historical data:
Results
Export Pension plans and products in EEA Register Data to CSV | Excel
Country codeCode of a pension plan, product or a providerName of a type of a pension plan, product or a providerApplicable EU law/regulationFirst Pillar bisOccupational vs. personalEmployer contributionsMember contributionsDC vs. DBExposure to investment risk for memberFundingFinancial vehicleMembershipTarget group of a plan/productDistribution channel to members (internet)Investment optionsThe employee has a choice as to the pension product/plan providerLinks to the 1st pillar pension systemGovernance requirementsNumber of membersComment - linked to fields 'Number of active members (Latest available data)'  and 'Total assets or Total assets under management (Latest available data) (million €)'Number of active membersTotal assets under management (million €)File Submission DateRisk sharingProducts/plans/schemes/providers of similar natureRetirement agePay-out optionsDefaultTax IncentivesComment - linked to the qualitative fieldsGeneral comment for quantitative indicatorsGuarantor
SISI-11Pokojninska družba|Pension companyIORP IINoboth occupational and personalvoluntaryvoluntaryDBfull exposure to investment risk|Minimum guaranteeFundedSegregated assetsVoluntaryWorkforce of many employerslimitedMultiple investment optionsYes, in accumulation onlyyesRepresentation of employers|Representation of employeesnot available 143,5018,186.0026/03/2020Yes, risk sharing between generations, accumulation only|Yes, risk sharing between generations, decumulation only 65Annuity partially mandatory Yes, options include a default, either mandatory or optional depending on the productYes<div class="ExternalClassE9CF9C6C6CE748968329710BE3E1F37F">PN z življenjskim ciklom po ZPIZ-2 (Life-cycle pension scheme)</div><div class="ExternalClass7A06A33CCF984F849F91BC8790B19A03">data refers to 31.12.2019</div>Provider
SISI-12Pokojninska družba|Pension companyIORP IINoboth occupational and personalvoluntaryvoluntaryDBMinimum guaranteeFundedSegregated assetsVoluntaryWorkforce of many employerslimitedNo investment optionsYes, in accumulation onlyyesRepresentation of employers|Representation of employeesnot available not availablenot available26/03/2020Yes, risk sharing between generations, accumulation only|Yes, risk sharing between generations, decumulation only 65Annuity partially mandatory Yes, options include a default, mandatory by regulationYes<div class="ExternalClassE632579A467A4AC4BC71D31170C0800A">PN z zajamčenim donosom po ZPIZ-2 Pension scheme with guaranteed return</div><div class="ExternalClassA9E8D1BC584B4528B093ED85393A8811">data refers to 31.12.2019</div>Provider
SISI-21Zavarovalnica|Insurance undertakingIORP art.4|Solvency IINoboth occupational and personalvoluntaryvoluntaryDBfull exposure to investment risk|Minimum guaranteeFundedSegregated assetsVoluntaryWorkforce of many employerslimitedMultiple investment optionsYes, in accumulation onlyyesRepresentation of employers|Representation of employeesnot available 408,01520,069.0026/03/2020Yes, risk sharing between generations, accumulation only|Yes, risk sharing between generations, decumulation only 65Annuity partially mandatory Yes, options include a default, either mandatory or optional depending on the productYes<div class="ExternalClassFC37AEBFB48646C8BB9DAF932C3B72B8">PN z življenjskim ciklom po ZPIZ-2 (Life-cycle pension scheme)</div><div class="ExternalClass173F41B5B33147A08995239480CFA611">data refers to 31.12.2019</div>Provider
SISI-22Zavarovalnica|Insurance undertakingIORP art.4|Solvency IINoboth occupational and personalvoluntaryvoluntaryDBMinimum guaranteeFundedSegregated assetsVoluntaryWorkforce of many employerslimitedNo investment optionsYes, in accumulation onlyyesRepresentation of employers|Representation of employees0 00.0026/03/2020Yes, risk sharing between generations, accumulation only|Yes, risk sharing between generations, decumulation only 65Annuity partially mandatory Yes, options include a default, mandatory by regulationYes<div class="ExternalClass4C07F20A799A4A69B4C46BD73509D3F3">PN z zajamčenim donosom po ZPIZ-2 Pension scheme with guaranteed return</div><div class="ExternalClassD982DEF6A20B43C582D8B62FF090E6DA">data refers to 31.12.2019</div>Provider
SISI-31Banka|BankIORP II|AIFMNoboth occupational and personalvoluntaryvoluntaryDBfull exposure to investment risk|Minimum guaranteeFundedSegregated assetsVoluntaryWorkforce of many employerslimitedMultiple investment optionsYes, in accumulation onlyyesRepresentation of employers|Representation of employeesnot available 7,2194,628.0026/03/2020Yes, risk sharing between generations, accumulation only|Yes, risk sharing between generations, decumulation only 65Annuity partially mandatory Yes, options include a default, either mandatory or optional depending on the productYes<div class="ExternalClass2FC248894FAE441888A8A766DEEF3B51">PN z življenjskim ciklom po ZPIZ-2 (Life-cycle pension scheme - KPS)</div><div class="ExternalClassE2241EB8BE4842CF8A9C6979C62D90B6">data refers to 31.12.2019</div>Provider
SISI-32Banka|BankIORP II|AIFMNoboth occupational and personalvoluntaryvoluntaryDBMinimum guaranteeFundedSegregated assetsVoluntaryWorkforce of many employerslimitedNo investment optionsYes, in accumulation onlyyesRepresentation of employers|Representation of employees0 00.0026/03/2020Yes, risk sharing between generations, accumulation only|Yes, risk sharing between generations, decumulation only 65Annuity partially mandatory Yes, options include a default, mandatory by regulationYes<div class="ExternalClass42A402FC144744E3BBB34913096E0C10">PN z zajamčenim donosom po ZPIZ-2 Pension scheme with guaranteed return (VPS)</div><div class="ExternalClass6F528B558DEC45EDB9463868ED0C863E">data refers to 31.12.2019</div>Provider
PTPT-1Fundos de pensões fechados|Closed pension funds-DBIORP IINooccupationalmandatoryvoluntary and mandatoryDBBenefit levelFundedAutonomous entityAutomatic enrolmentWorkforce of a single employernilNo investment optionsNoYesRepresentation of employers|Representation of employees73,095 62,4531,637,405.0026/03/2020Yes, risk sharing between generations, both accumulation and decumulation 66 years,5 monthsAnnuity partially mandatory |Lump sum possibleNoYes<div class="ExternalClass2D0B680066204CA480A0C0D79E1BD4DB">Name of PPP&#58; The name and classification of this type of arrangements were simplified for the purpose of the database. According to the national law pension plans can be financed through closed pension funds (financing vehicles), on the basis of a contract agreed between the sponsoring undertaking and the pension fund management entity | Types of providers&#58; Pension fund is the financing vehicle and can be managed by an insurance undertaking or a pension fund management company | Member contributions&#58; Depending on the plan rules, member contributions can be either mandatory, voluntary or not possible | Membership&#58; In some contributory plans membership can be 'voluntary' | Pay-out&#58; Pension regulations demand at least 2/3 of benefits to be received under an annuity (this rule only applies to employer contributions) | Retirement age&#58; will increase to 66 years, 6 months in 2021| Governance requirements&#58; Representation of employers and employees applicable to funds with more than 100 members, beneficiaries or both</div><div class="ExternalClass24484473E04E425DBA6DCB81B9EAC559">Reference date&#58; end of 2018</div>Sponsor
PTPT-2Fundos de pensões fechados|Closed pension funds-DCIORP IINooccupationalvoluntary and mandatoryvoluntary and mandatoryDCfull exposure to investment risk|Capital guaranteed|Minimum guaranteeFundedAutonomous entityAutomatic enrolmentWorkforce of a single employernilBoth possibleYes, in decumulation onlyYesRepresentation of employers|Representation of employees43,330 40,20598,676.0026/03/2020no 66 years,5 monthsAnnuity partially mandatory |Lump sum possibleYes or no, depending on the product/plan/provider/schemeYes<div class="ExternalClassE9B36037A1094763AF9ABEED6735D4F9">Name of PPP&#58; The name and classification of this type of arrangements were simplified for the purpose of the database. According to the national law pension plans can be financed through closed pension funds (financing vehicles), on the basis of a contract agreed between the sponsoring undertaking and the pension fund management entity | Types of providers&#58; Pension fund is the financing vehicle and can be managed by an insurance undertaking or a pension fund management company | Exposure of members to investment risk&#58; These are mainly pure DC plans but in some cases there can be guarantees | Member contributions&#58; Depending on the plan rules, member contributions can be either mandatory, voluntary or not possible | Membership&#58; In some contributory plans membership can be 'voluntary' | Pay-out&#58; Pension regulations demand at least 2/3 of benefits to be received under an annuity (this rule only applies to employer contributions) | Retirement age&#58; will increase to 66 years, 6 months in 2021 | Governance requirements&#58; Representation of employers and employees applicable to funds with more than 100 members, beneficiaries or both </div><div class="ExternalClass66C0F0FD26D44098A4D12621DD0A55EA">Reference date&#58; end of 2018</div>None|Provider|Sponsor
PTPT-3Adesões coletivas a fundos de pensões abertos|Collective membership of open pension funds-DB IORP IINooccupationalmandatoryvoluntary and mandatoryDBBenefit levelFundedAutonomous entityAutomatic enrolmentWorkforce of a single employernilNo investment optionsNoYesRepresentation of employers|Representation of employees7,670 6,72529,556.0026/03/2020Yes, risk sharing between generations, both accumulation and decumulation 66 years,5 monthsAnnuity partially mandatory |Lump sum possibleNoYes<div class="ExternalClass7C420B3B5D2A4E42A088C8739A4CCA00">Name of PPP&#58; The name and classification of this type of arrangements were simplified for the purpose of the database. According to the national law pension plans can be financed through open pension funds (financing vehicles), on the basis of a contract agreed between the sponsoring undertaking and the pension fund management entity ('Collective membership of open pension funds') | Types of providers&#58; Pension fund is the financing vehicle and can be managed by an insurance undertaking or a pension fund management company | Member contributions&#58; Depending on the plan rules, member contributions can be either mandatory, voluntary or not possible | Membership&#58; In some contributory plans membership can be 'voluntary' | Pay-out&#58; Pension regulations demand at least 2/3 of benefits to be received under an annuity (this rule only applies to employer contributions) | Retirement age&#58; will increase to 66 years, 6 months in 2021 | Governance requirements&#58; Representation of employers and employees applicable to funds with more than 100 members, beneficiaries or both </div><div class="ExternalClassB421B37FBC02444E93CFEC970401EA86">Reference date&#58; end of 2018</div>Sponsor
PTPT-4Adesões coletivas a fundos de pensões abertos|Collective membership of open pension funds-DCIORP IINooccupationalvoluntary and mandatoryvoluntary and mandatoryDCfull exposure to investment risk|Capital guaranteed|Minimum guaranteeFundedAutonomous entityAutomatic enrolmentWorkforce of a single employernilBoth possibleYes, in decumulation onlyYesRepresentation of employers|Representation of employees53,706 53,13341,248.0026/03/2020no 66 years,5 monthsAnnuity partially mandatory |Lump sum possibleYes or no, depending on the product/plan/provider/schemeYes<div class="ExternalClassE2587CAF920C48AD8DF3C18510EC514F">Name of PPP&#58; The name and classification of this type of arrangements were simplified for the purpose of the database. According to the national law pension plans can be financed through open pension funds (financing vehicles), on the basis of a contract agreed between the sponsoring undertaking and the pension fund management entity ('Collective membership of open pension funds') | Types of providers&#58; Pension fund is the financing vehicle and can be managed by an insurance undertaking or a pension fund management company | Exposure of members to investment risk&#58; These are mainly pure DC plans but in some cases there can be guarantees | Member contributions&#58; Depending on the plan rules, member contributions can be either mandatory, voluntary or not possible | Membership&#58; In some contributory plans membership can be 'voluntary' | Pay-out&#58; Pension regulations demand at least 2/3 of benefits to be received under an annuity (this rule only applies to employer contributions) | Retirement age&#58; will increase to 66 years, 6 months in 2021 | Governance requirements&#58; Representation of employers and employees applicable to funds with more than 100 members, beneficiaries or both </div><div class="ExternalClassF22361C8071144A5ACF10B62524612D0">Reference date&#58; end of 2018</div>None|Provider|Sponsor
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