Groupe Agrica

What Groupe Agrica does

Groupe Agrica is a French paritarian social-protection organization (GIE - Groupement d'Intérêt Economique) providing complementary health insurance, prévoyance (death, disability, income protection), supplementary retirement savings, and employee savings plans to the agricultural and agri-food sectors. Operating jointly under employer and employee representatives, the group manages the AGRICA PRÉVOYANCE brand alongside CCPMA PRÉVOYANCE, CPCEA, AGRI PRÉVOYANCE, and the Alliance professionnelle Retraite Agirc-Arrco. It serves approximately 1.5 million contributors and 700,000 pension beneficiaries across verticals including agricultural production, landscaping (Paysage), agri-food industries, agricultural cooperatives, leisure structures, and rural enterprises (ETARF).

The product portfolio centers on contribution-based collective-agreement plans, notably the PER CCPMA multisupports (317,234 contributors across 4,668 companies, with €166.8M in 2021 contributions) and the point-based PER CPCEA, supplemented by PEE, PERECO, branch-recommended surcomplémentaire health products (e.g., Essentiel Paysage), and customizable prévoyance (Flex'Prev). Distribution combines a France-wide agency network of specialized agricultural advisors, individual and enterprise client portals (with FranceConnect authentication), partnerships with FNSEA, FNEDT, CCMSA, and La Coopération Agricole, and dedicated savings sub-brands (Cultiv'Épargne, Pays'Épargne). The technology stack is not publicly disclosed beyond standard portal infrastructure, and the in-house LISA laboratory drives workplace prevention programs (musculoskeletal disorders, hearing, cardiovascular, psychosocial risks).

Revenue derives from recurring employer and employee contributions across health, prévoyance, retirement, and savings products, plus management fees on employee-savings vehicles (PEE/PERECO, FCPE funds). The group reinvests a portion of premium income into a social-action program (nearly €10M annually to 28,000+ beneficiaries) and prevention services, with pricing set by branch conventions rather than public tiers. Recent structural consolidation (the October 2024 AGRI PRÉVOYANCE-CPCEA merger, and prior formation of the Alliance professionnelle Retraite) and a cadence of new sector-tailored products indicate active defense and extension of its branch-mandated coverage remit.

Name

Groupe Agrica

Legal name

GIE AGRICA GESTION

Website

https://groupagrica.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Groupe Agrica is a French paritarian social-protection group that provides complementary health insurance, prévoyance, retirement savings, and épargne salariale products to the agricultural, agri-food, landscape, cooperative, and rural enterprise sectors, serving 1.5 million contributors and 700,000 pension beneficiaries through branch-mandated collective agreements.

Ownership category

akta.pro rank

Product category

Complementary Social Protection / Group Insurance

NAICS

Health and Welfare Funds (525120), Other Insurance Funds (525190)

SIC

Insurance Agents, Brokers & Service (6411), Services-Membership Organizations (8600)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Agricultural social protection
• Group health insurance
• Supplementary retirement savings
• Death disability insurance
• Employee benefits administration

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Health Insurance Premiums (Complémentaire Santé): Employer-mandated and voluntary health insurance contributions collected from employees and employers in agricultural and agri-food sectors. Premiums fund reimbursement of medical, dental, and optical expenses.
2. Providence/Death & Disability Insurance Premiums (Prévoyance): Collective mortality and disability insurance premiums paid by employers and employees, providing financial support in case of work stoppage, invalidity, or death. Coverage levels differentiated by employee category (TA/TB/TC).
3. Retirement Savings Contributions (Épargne Retraite): Mandatory and voluntary contributions to supplementary retirement plans (PER CCPMA multisupports, PER CPCEA in points, PERECO). Contributions from both employers (with tax advantages) and employees fund future annuity payments.
4. Employee Savings Products (Épargne Salariale): Management fees from PEE (Company Savings Plan) and PERECO products, including associated vehicles such as FCPE funds. Revenue generated from employer contributions, voluntary deposits, profit-sharing (intéressement), and participation schemes.
5. Prevention and Social Action Services: Prevention services (prevention santé, workplace risk prevention) are partially funded through insurance premiums and co-financed with companies and professional branches. Social action aid (nearly €10M per year) is allocated from premiums and institutional budgets.
6. Social Contribution Management Services: Administrative services for salary declaration and contribution collection, including digital platform access for companies to manage affiliations, declarations, and payments, generating efficiency-based revenue through simplified compliance.

Pricing tiers

Go-to-market motion5 records

Distribution channels7 records

Marketing channels9 records

Core offering

Groupe Agrica provides complementary social protection to the French agricultural sector through group health insurance (santé), providence/death-and-disability insurance (prévoyance), and supplementary retirement savings products (PER CCPMA multisupports, PER CPCEA en points). The Group also delivers employee savings schemes, social action aid and occupational health prevention programs. Services are anchored on paritarian governance and are formally endorsed or designated by branch-level social partners across agricultural production, landscaping, agri-food, cooperatives, affinity services and leisure structures.

Product overview

Groupe AGRICA operates as a professional social protection group serving the French agricultural sector with three core activity pillars: (1) AGRICA PRÉVOYANCE, providing mandatory and supplemental health insurance (santé), prévoyance (death/disability/income protection), and voluntary retirement savings through PER CCPMA multisupports and PER CPCEA en points products; (2) ALLIANCE PROFESSIONNELLE Retraite Agirc-Arrco, managing complementary and supplemental retirement for 1.5 million contributors; and (3) Action Sociale, delivering social financial aid, prevention, and support services. The group also operates sector-specific savings brands including Cultiv'Épargne and Pays'Épargne, a social innovation laboratory (LISA) for workplace health prevention, and the Agri'écoute telephone support service. Services target agricultural production, landscape, agro-food industries, cooperatives, affinity services, and leisure structures across France.

Differentiator

Problem solved

Functional benefit

Brands

• AGRICA ÉPARGNE: Savings and employee savings plans (PEE, PERECO) services
• AGRICA PREVOYANCE
• PER CCPMA multisupports
• PER CPCEA en points
• LISA
• Alliance professionnelle Retraite Agirc-Arrco

Products and services

• AGRICA PRÉVOYANCE Core brand providing health insurance (santé), providence (death/disability/income protection), and voluntary retirement savings products to employees of agricultural, agri-food and affinity sectors; recommended by social partners across multiple industry branches.
• Alliance professionnelle Retraite Agirc-Arrco Retirement management institution handling basic pension, complementary Agirc-Arrco retirement and supplemental retirement for 1.5 million contributors and 700,000 beneficiaries across French agricultural and affinity sectors.
• PER CCPMA multisupports Multi-support Pension Savings Plan (Plan d'Épargne Retraite) offering unit-linked and euro-denominated fund options, compliant with the PACTE law, featuring 8 investment vehicles (1 euro fund and 7 FCPE funds) with pilotable or libre financial management.
• PER CPCEA en points Point-based Pension Savings Plan in which employees accumulate points during their working life converted to a lifetime annuity at retirement; mandatory for certain non-executive agricultural employees under collective agreements.
• Cultiv'Épargne Employee savings solution dedicated to the agricultural production sector, developed in partnership with FNSEA, accommodating profit-sharing bonuses under France's loi partage de la valeur, with favorable tax and tariff conditions for companies with 11-49 employees.
• Pays'Épargne Employee savings product dedicated to the landscape sector, enabling landscape companies to offer employees profit-sharing, participation and employer matching contributions with preferential tariff conditions for FNEDT members.
• Flex'Prev Flexible collective providence (death/disability/income protection) product for agri-food companies, with customizable coverage options allowing companies to tailor insurance protection to their specific workforce needs.
• Essentiel Paysage Supplemental health insurance (surcomplémentaire santé) for landscape sector companies, improving reimbursement on costly health expenses (optics, dental, hospitalization) with reduced out-of-pocket costs for workers and employees.
• PEE / PERECO Employee Savings Plans Company Savings Plan (Plan d'Épargne Entreprise) and related Retirement Savings Plan enabling employees to benefit from profit-sharing, participation and employer matching contributions, managed through the AGRICA Épargne portal.
• Action Sociale (Social Action Division) Social action and prevention division providing financial aid, social support and assistance during difficult life events, granting approximately €10 million annually and supporting over 28,000 people per year across themes including disability, unemployment, health, retirement transition, bereavement and caregiver support.
• Agrica Prévention Santé Workplace health prevention service offering customized prevention programs including the Ludiagri psychosocial risk diagnostic tool, on-site and remote interventions, health screenings, conferences, workshops and e-learning modules addressing sector-specific occupational risks.
• LISA - Laboratoire d'Innovation Sociale d'Agrica Social innovation laboratory developing and deploying occupational health prevention programs addressing musculoskeletal disorders, cardiovascular disease, addiction, nutrition, sleep, hearing, vision and psychosocial risks, in partnership with organizations such as Siel Bleu.
• Agri'écoute Dedicated telephone listening service for the agricultural community providing psychological support and emotional assistance to farmers and agricultural workers experiencing difficulties.
• Réseau Passerelles Vacation Support Vacation support service funding childcare costs for children with disabilities during family holiday stays at campsites and vacation villages, with maximum coverage of €1,800 per child per week, up to €3,600 annually.

Quantifiable outcome

• 84% of social aid applicants feel their social action advisor understood their request well (IMPROVE study, June 2024–April 2025)
• +6 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Alliance professionnelle Retraite (merged complementary retirement institution)coreStrategic or Co-development Partner · 1 January 2019AGRICA merged its complementary retirement institution with five other professional social protection groups (Audiens, B2V, IRP AUTO, Lourmel, and PRO BTP) to form the Alliance professionnelle Retraite, a unified entity mandated by the French government decree of November 10, 2023 (JORF November 10, 2023). This fusion created a single institution managing complementary retirement for 1.5 million contributors and 700,000 beneficiaries.
• CCMSA (Caisse Centrale de la Mutualité Sociale Agricole)coreStrategic or Co-development PartnerAGRICA signed a partnership convention with CCMSA for social action collaboration, announced March 18, 2024. The two organizations coordinate to support agricultural social security beneficiaries, with MSA social workers facilitating access to AGRICA's social action programs.
• Audiens, Lourmel, Pro BTP (Alliance professionnelle Retraite consortium partners)coreStrategic or Co-development PartnerIn addition to the retirement fusion, these three groups joined AGRICA in offering a joint free telephone psychological support service (soutien psychologique par téléphone) for caregivers. The service provides five 45-minute telephone consultations with clinical psychologists, delivered free of charge to eligible members.
• Réseau PasserellesminorStrategic or Co-development PartnerAGRICA partners with Réseau Passerelles to fund vacation stays for families with children with disabilities. AGRICA covers up to €1,800 per child per week (max €3,600/year) for adapted vacation childcare, deducted directly at booking. Partners since at least 2020.
• Humanitude (Institut de Formation à la Gérontologie)minorStrategic or Co-development PartnerAGRICA offers free Humanitude care method training workshops to members caring for relatives with cognitive disorders or disabilities. The workshops teach gaze, speech, touch, and verticality techniques. Humanitude was created 40 years ago and is the first 'bientraitance' (good care practice) label in France.
• Siel Bleu (physical activity for health)minorImplementation/ SI/ Consulting PartnerLISA, AGRICA's social innovation laboratory, partners with Siel Bleu au Travail for workplace prevention of musculoskeletal disorders (TMS). Siel Bleu analyzes workstations and delivers posture and physical activity sessions, training internal company référents who sustain the program long-term.
• FNSEA (Fédération Nationale des Syndicats d'Exploitants Agricoles)coreStrategic or Co-development PartnerAGRICA PRÉVOYANCE developed the Cultiv'Épargne employee savings product in partnership with FNSEA, the largest French farmers' union. This product serves agricultural production companies (11-49 employees) and enables compliance with the loi partage de la valeur (value-sharing law). FNSEA endorses the product to its member network.
• FNEDT (Fédération Nationale des Entrepreneurs des Territoires)coreGTM or Marketing PartnerAGRICA partnered with FNEDT for the épargne salariale product targeting entrepreneurs in rural territories. FNEDT provides preferential pricing to its members and channels employee savings solutions (PEI or PERCOI) to its network of entrepreneurs in the ETARF sector.
• IMPROVE (cabinet expert en mesure d'impact social)minorOthersAGRICA commissioned IMPROVE, a social impact measurement consultancy, to conduct an independent study of its financial aid program's effectiveness among beneficiaries. The study ran from June 2024 to April 2025, providing evidence-based assessment of social action outcomes.
• CPCEA (merged into AGRICA PRÉVOYANCE)coreOthersCPCEA and AGRI PRÉVOYANCE merged in October 2024 (confirmed by November 2024 press) to create a strengthened institution. CPCEA manages retirement plans for non-cadre agricultural employees. The merger expanded AGRICA PRÉVOYANCE's scale and product portfolio.
• CCPMA PREVOYANCE (member institution of GIE AGRICA GESTION)coreOthersCCPMA PREVOYANCE is one of three member institutions of GIE AGRICA GESTION (alongside Alliance professionnelle Retraite and CPCEA). It manages health and prévoyance products including the PER CCPMA multisupports, serving 317,234 contributors across 4,668 companies (2021 figures).
• APECITA (Association pour l'Emploi et la Formation des Cadres, Ingénieurs et Techniciens Agricoles)minorStrategic or Co-development PartnerAGRICA collaborates with APECITA on employment workshops ('De la graine à l'emploi') and career development programs for agricultural professionals. APECITA promotes employment in agriculture and partners with AGRICA on professional integration events.

Scale indicators13 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Klesia: French paritarian social protection group serving agricultural, cooperative, and service-sector employers with health, prévoyance, and retirement products. Direct competitor for branch-level collective agreement mandates across French agricultural sub-sectors.
• Malakoff Humanis: Large French paritarian social protection group offering health, prévoyance, retirement, and savings to enterprises. Comparable in structure (paritarian), product breadth, and reliance on branch-level collective agreements, though focused on different industry branches.
• Pro BTP: French paritarian social protection group dedicated to the construction sector; member of the Alliance professionnelle Retraite consortium with AGRICA. Comparable institutional structure and product mix, though serving a different industry vertical.
• Audiens: French paritarian social protection group serving the cultural and creative industries; co-member of the Alliance professionnelle Retraite. Directly comparable in paritarian governance and multi-product social protection delivery, though focused on culture rather than agriculture.
• B2V (Gestion d'Assurance Retraite): French paritarian retirement and prévoyance group serving real estate and service-sector employees; co-member of the Alliance professionnelle Retraite consortium with AGRICA. Comparable paritarian structure and retirement product offering.
• IRP AUTO: French paritarian social protection group serving automotive services sector employees; co-member of the Alliance professionnelle Retraite consortium with AGRICA. Comparable in paritarian governance model and integrated retirement/health/prévoyance offering, though focused on automotive rather than agriculture.

Broad incumbents

• AG2R La Mondiale: One of France's largest paritarian social protection groups, offering health, prévoyance, retirement, and savings across agriculture, services, and industry. Overlaps with AGRICA across agricultural and affinity segments but serves a much broader industry footprint.
• Groupama: Major French mutual insurance group deeply rooted in the agricultural sector, providing health, property, and life insurance to farmers and rural populations. Direct overlap with AGRICA's agricultural customer base, with broader product portfolio and deeper capital.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, one of France's largest banking groups, with deep agricultural client relationships through its regional bank network. Competes with AGRICA for agricultural employer benefit mandates, leveraging banking distribution and significantly larger capital base.
• AXA France: Major French insurance incumbent offering health, life, and group benefits products to enterprises including agricultural and agri-food employers. Overlaps with AGRICA on group health and prévoyance for larger agri-food accounts, with much broader portfolio and digital distribution scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/agrica
• Facebookfacebook.com/GroupeAGRICA
• LinkedInlinkedin.com/company/87475
• Xx.com/groupe_agrica

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Groupe Agrica