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, in accordance with the Decisions of the Board of Supervisors on occupational pensions and IORPs. 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 that 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.

The Database of pension plans and products in the EEA is updated monthly, on the first day of the month.​

If you have any questions about this register, please send us you​r enquiry​.

​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
EEEE-1Vabatahtlik pensionifond│Voluntary pension fund│III PillarNELNopersonalvoluntaryvoluntaryDCfull exposure to investment riskFundedSegregated assetsVoluntaryBoth workforce and individualsimportantMultiple investment optionsYes, in both accumulation and decumulationNoNo representation of employers, employees or members84,020 84,020237.3312/01/2021Yes, risk sharing within same generation, accumulation only 55Annuity possible|Lump sum possible|Programmed withdrawal possibleYes, options include a default, mandatory by regulationYes  None
EEEE-3Täiendava kogumispensioni kindlustusleping │Pension insurance│III PillarSolvency IINopersonalvoluntaryvoluntaryplan can be both DB or DCCapital guaranteedFundedContractual obligationVoluntaryBoth workforce and individualsimportantNo investment optionsYes, in both accumulation and decumulationNoNo representation of employers, employees or membersnot available not availablenot available12/01/2021no 55Annuity possible|Lump sum possibleYes, options include a default, mandatory by regulationYes  None
EEEE-2Kohustuslik pensionifond│Mondatory│II PillarSSRYespersonalnot possiblemandatoryDCfull exposure to investment riskFundedSegregated assetsMandatoryIndividualsimportantMultiple investment optionsYes, in both accumulation and decumulationYesNo representation of employers, employees or members763,831 763,8315,260.5812/01/2021Yes, risk sharing within same generation, accumulation only 64Annuity partially mandatory |Lump sum possible|Programmed withdrawal possibleYes, options include a default, mandatory by regulationNo  None
EEEE-4Täiendava kogumispensioni kindlustusleping│Pension insurance │III PillarSolvency IINopersonalvoluntaryvoluntaryDCfull exposure to investment riskFundedSegregated assetsVoluntaryBoth workforce and individualsimportantBoth possibleYes, in both accumulation and decumulationNoNo representation of employers, employees or membersnot available not availablenot available12/01/2021Yes, risk sharing within same generation, accumulation only 55Annuity possible|Lump sum possibleYes, options include a default, mandatory by regulationYes  Provider
EEEE-5Tööandja pensionifond│Occupational pension fund │III PillarIORP IINooccupationalvoluntarynot possibleDCfull exposure to investment riskFundedSegregated assetsVoluntaryWorkforce of many employersnilMultiple investment optionsNoNoNo representation of employers, employees or members0 0not available12/01/2021no Not availableAnnuity possible|Lump sum possible|Programmed withdrawal possibleNoYes  None
SESE-7Tjänstepensionsförening | Occupational retirement provision associationsIORP IINooccupationalmandatorynot possibleplan can be both DB or DCCapital guaranteedFundedContractual obligationMandatory|Automatic enrolmentWorkforce of many employerslimitedNo investment optionsYes, in accumulation onlyNoRepresentation of employers|Representation of employeesnot available not availablenot available20/01/2021Yes, risk sharing between generations, both accumulation and decumulation Normally 65 years but there is a shift going on to a non-fixed retirement age. Annuity possible|Lump sum possible|Programmed withdrawal possible Yes  Combination of provider and sponsor
DKDK-2ALivsforsikringsselskab |Occupational SchemesSolvency IINooccupationalvoluntary and mandatoryvoluntary and mandatoryDCOtherFundedAutonomous entityMandatoryBoth workforce and individualslimitedMultiple investment optionsNoYesNo representation of employers, employees or members2,607,811 not availablenot available20/01/2021Yes, risk sharing between generations, both accumulation and decumulation 65years, 0months - unisex|66years, 0months - unisex|67years, 0months - unisex|68years, 0months - unisexAnnuity possible|Annuity partially mandatory |Lump sum possible|Programmed withdrawal possibleYes, options include a default, either mandatory or optional depending on the productYes<div class="ExternalClassFCC53BC79663469880C1062AF1F0BDFB">risk sharing, retirement age and payout depend on specific agreement</div>The combined value for occupational and personal schemes is 303656 milProvider
DKDK-2BLivsforsikringsselskab |Personal SchemesSolvency IINopersonalnot possiblevoluntaryDCOtherFundedAutonomous entityVoluntaryIndividualslimitedMultiple investment optionsYes, in accumulation onlyYesNo representation of employers, employees or members1,668,297 not availablenot available20/01/2021Yes, risk sharing between generations, both accumulation and decumulation 65years, 0months - unisex|66years, 0months - unisex|67years, 0months - unisex|68years, 0months - unisexAnnuity possible|Annuity partially mandatory |Lump sum possible|Programmed withdrawal possibleYes, options include a default, either mandatory or optional depending on the productYes<div class="ExternalClass1E4F1530B70A4E9ABEBF2FA54FCB8492">risk sharing, retirement age and payout depend on specific agreement</div> Provider
LULU-01Fonds de pension (CAA) IORP IINoboth occupational and personalmandatoryvoluntaryDCOtherFundedAutonomous entityAutomatic enrolmentWorkforce of many employersnilMultiple investment optionsNoNoRepresentation of employers|Representation of employeesnot available not availablenot available08/07/2021no 60Annuity possible|Lump sum possibleYes, options include a default, not mandatory by regulationYes  Combination of provider and sponsor
LULU-02Fonds de pension (CAA) IORP IINooccupationalmandatoryvoluntaryDBMinimum guaranteeFundedAutonomous entityAutomatic enrolmentWorkforce of many employersnilNo investment optionsNoNoRepresentation of employers|Representation of employeesnot available not availablenot available08/07/2021Yes, risk sharing between generations, both accumulation and decumulation 60Annuity possible|Lump sum possibleNoYes  Sponsor
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