What Agirc-Arrco does

Agirc-Arrco is the mandatory complementary pension scheme for all private-sector employees and retirees in France, formed in 2019 from the merger of AGIRC (founded 1947) and ARRCO (founded 1961). It is a paritarian social-protection federation governed jointly by employer organizations (MEDEF, CPME, U2P) and labor unions (CFDT, CFE-CGC, CFDI, CGT, CGT-FO, UNSA), operating under Title II of Book 9 of the French Social Security Code. The regime covers 28 million active employees, 14 million retirees, and 1.8 million affiliated companies, making it one of the largest pension administrators in Europe.

Its core product is a unified central pension payment system (système central de paiement), completed in 2025 after a decade-long IT unification project, which ingests mandatory contributions via the DSN (Déclaration Sociale Nominative) framework, accrues pension points, and disburses pensions. The consumer-facing surface consists of an online personal account (Espace personnel), the Mon compte retraite mobile application, an enterprise client portal (Agirc-Arrco Pro), and supporting tools including Cotizen (online contribution payment), DSN-FIAB (data-validation), Affilia, DeclaR'zen, and Vision Retraite Entreprises. Distribution is multi-channel: a nationwide network of 100+ physical retirement advisory agencies, a telephone helpline, video consultations, and large-scale public campaigns (Rencontres retraite, 25,000–50,000 appointments per campaign). The regime is also extending into preventive health services through 80 prevention centers and digital tools such as cognitive self-assessment and caregiver support platforms (Ma Boussole Aidants, Jeda).

The business model is non-commercial: funding comes from mandatory employer/employee contributions calculated as a percentage of gross salary, with contribution rates and pension-point values set by the paritarian board. Individual services — career consultations, retirement simulations, pension disbursements, prevention programs — are free of charge; the only paid offerings are enterprise retirement-preparation training workshops. Operational delivery is executed through a network of approximately 14 complementary pension institutions (AG2R LA MONDIALE, Malakoff Humanis, KLESIA, IRCEM, APICIL, AGRICA, AUDIENS, B2V, IRP AUTO, PRO BTP, CRC, CGRR, IRCOM, BTPR). The regime reported a +€4.6B technical result in 2024 and +€1.4B in 2025, reflecting paritarian financial equilibrium.

Name

Agirc-Arrco

Legal name

Agirc-Arrco

Website

https://agirc-arrco.fr

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Agirc-Arrco is France's mandatory complementary pension scheme for all private-sector employees and retirees, serving 28 million actives, 14 million retirees, and 1.8 million companies through a unified central payment system, multi-channel advisory network, and paritarian governance by employers and unions.

Ownership category

akta.pro rank

Product category

Complementary Pension Administration

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190)

SIC

Finance Services (6199)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Complementary pension scheme
• Retirement benefits administration
• Pension point management
• Social protection services
• Retirement preparation services

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, Infrastructure, Marketing or Sales, Others

Revenue model

1. Mandatory complementary pension contributions: Agirc-Arrco is funded through mandatory employer and employee contributions calculated as a percentage of gross salary. These contributions are collected from 1.8 million private-sector companies and finance the accrual of pension points that determine future retirement benefits. The contribution rate and value of pension points are set by the paritary (joint labor-management) board. Contribution collection is managed through the DSN system and the Cotizen online payment platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels12 records

Marketing channels13 records

Core offering

Agirc-Arrco is the mandatory complementary pension regime for all French private-sector employees, collecting payroll-based contributions from 1.8 million companies, accumulating pension points for 28 million active employees, and disbursing complementary pensions to 14 million retirees. It operates a unified digital platform (Espace Personnel, Mon compte retraite mobile app, Agirc-Arrco Pro), provides free in-person retirement consultations across a national agency network, and runs prevention/wellness services through 80 prevention centers.

Product overview

Agirc-Arrco is France's mandatory complementary pension scheme for private sector employees, serving 28 million active members, 14 million retirees, and 1.8 million companies. The offering consists of a unified digital platform with consumer-facing portals (Mon Agirc-Arrco personal account and mobile app) and enterprise-facing services (Agirc-Arrco Pro). The platform integrates complementary modules for contribution management (Cotizen, DeclaR'zen, DSN-FIAB, Affilia, Vision Retraite Entreprises) and member services (retirement simulator, Mes premiers pas toward retirement). Agirc-Arrco also operates an extensive network of 80 prevention centers and digital support tools including Ma Boussole Aidants for caregivers, FACIL'iti for accessibility, and dedicated sites for young caregivers (Jada). The organization drives innovation through its Le Lab Agirc-Arrco and VIVA Lab initiatives.

Differentiator

Problem solved

Functional benefit

Products and services

• Mon Agirc-Arrco / Mon espace personnel
• Mon compte retraite (mobile application)
• Agirc-Arrco Pro (Enterprise client portal)
• Cotizen
• Ma Boussole Aidants
• Site Jada (Jeunes Aidants)
• Centres de prévention Agirc-Arrco
• Mardis de l'Agirc-Arrco
• Tests cognitifs en ligne (Cognitive health self-assessment)
• Espace Idées Bien chez Moi
• Mes premiers pas vers la retraite
• Enterprise training workshops (Préparer sa retraite)

Quantifiable outcome

• 4.6 billion euros surplus in 2024, 1.4 billion euros surplus in 2025 — demonstrating financial equilibrium
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature9 records

Partnerships

20 partnerships are on record, tiered major, minor and core.

• Carsat Midi-PyrénéesmajorGTM or Marketing Partner · 15 June 2026Agirc-Arrco partnered with Carsat Midi-Pyrénées to organize the Forum 'La retraite est à vous' in Laroque-d'Olmes in June 2026, combining services from both the complementary and basic pension regimes in a single local event.
• Association des Maires Ruraux de France (AMRF)majorGTM or Marketing Partner · 26 September 2025Agirc-Arrco and the AMRF signed a partnership convention at the September 2025 congress of rural mayors, enabling the regime to reach citizens through municipal channels and promoting access to retirement preparation and prevention services in rural areas. The partnership also facilitates joint events in rural municipalities.
• Association des Maires du RhônemajorGTM or Marketing Partner · 26 September 2025Agirc-Arrco participated in the Congress of Mayors of the Rhône department in March 2025, announcing its commitment to facilitating local access to retirement preparation and prevention services for citizens through municipal channels.
• Bpifrance (Big Tour)minorGTM or Marketing Partner · 24 February 2022Agirc-Arrco renewed its participation in the Bpifrance Big Tour, a national entrepreneurship tour, with its counselors traveling to meet French citizens and inform them about the regime's career and retirement services.
• Cnav (Caisse Nationale d'Assurance Vieillesse)majorGTM or Marketing Partner · 7 February 2022Agirc-Arrco and Cnav (the French national basic pension fund) signed a formal convention with the State and other pension regimes (MSA, CNRACL) in February 2022, formalizing the principles and orientations of coordinated social action in the domain of healthy aging. The two regimes also jointly organize the Rendez-vous de la retraite and Rencontres retraite campaigns.
• MSA (Mutualité Sociale Agricole)majorGTM or Marketing Partner · 7 February 2022MSA joined the inter-regime coordination with Agirc-Arrco and Cnav starting in 2024, co-organizing major retirement events (Rendez-vous de la retraite, Rencontres retraite) and the 'Voilà l'été, si on bougeait?' summer physical activity program.
• CNRACL (Caisse Nationale de Retraites des Agents des Collectivités Locales)majorGTM or Marketing Partner · 7 February 2022CNRACL participates in the inter-regime social action coordination alongside Agirc-Arrco, Cnav, and MSA, jointly running the 'Voilà l'été, si on bougeait?' summer program for seniors and the inter-regime 'Agir pour le bien vieillir' social action policy.
• AG2R LA MONDIALEcoreStrategic or Co-development Partner · 1 January 2019AG2R LA MONDIALE is one of the primary complementary pension institutions (IRC) administering Agirc-Arrco coverage for affiliated companies and individuals. It manages pension contributions, accrual, and disbursements on behalf of a large share of the regime's beneficiaries. AG2R LA MONDIALE also co-brands certain social action programs and shares infrastructure with Agirc-Arrco.
• Malakoff HumaniscoreStrategic or Co-development Partner · 1 January 2019Malakoff Humanis is a major complementary pension institution managing Agirc-Arrco pension coverage for millions of private-sector employees and retirees. It is a key operational partner in the regime's network of institutions, handling affiliation, contribution management, and individual services.
• ALLIANCE PROFESSIONNELLE RETRAITE (AGRICA, AUDIENS, B2V, IRP AUTO, LOURMEL, PRO BTP)coreStrategic or Co-development Partner · 1 January 2019ALLIANCE PROFESSIONNELLE RETRAITE groups together several complementary pension institutions (AGRICA, AUDIENS, B2V, IRP AUTO, LOURMEL, PRO BTP) that collectively administer Agirc-Arrco pension coverage. These institutions are co-branded partners operating within the Agirc-Arrco framework.
• KLESIAcoreStrategic or Co-development Partner · 1 January 2019KLESIA is a complementary pension institution and key operational partner in the Agirc-Arrco network, managing pension coverage for its affiliated companies and individuals, and providing social action services.
• IRCEMcoreStrategic or Co-development Partner · 1 January 2019IRCEM is a complementary pension institution serving as an operational administrator of Agirc-Arrco coverage, managing contributions and disbursements for its portfolio of affiliated employers and insured persons.
• APICIL GroupcoreStrategic or Co-development Partner · 1 January 2019APICIL Group is a complementary pension institution that administers Agirc-Arrco pension coverage for affiliated companies and provides supplementary health and pension services.
• CRC (Caisse de Retraite Complémentaire)coreStrategic or Co-development Partner · 1 January 2019CRC is a complementary pension institution administering Agirc-Arrco pension coverage, particularly active in overseas territories including Reunion Island.
• CGRRcoreStrategic or Co-development Partner · 1 January 2019CGRR is a complementary pension institution (Caisse Générale de Retraite) that administers Agirc-Arrco pension coverage, operating in French overseas territories including Guadeloupe.
• IRCOM Agirc-ArrcocoreStrategic or Co-development Partner · 1 January 2019IRCOM is a complementary pension institution administering Agirc-Arrco coverage, based in Martinique and serving the French overseas territories.
• BTPRcoreStrategic or Co-development Partner · 1 January 2019BTPR (BTP Retraite) is a complementary pension institution administering Agirc-Arrco pension coverage for construction and public works sector employees.
• Association Foncière LogementmajorStrategic or Co-development PartnerThe Association Foncière Logement, in which Agirc-Arrco holds an interest, builds and maintains a housing stock of over 36,000 units for private-sector employees. These assets will eventually be transferred free of charge to the Agirc-Arrco regime to support the financing of complementary pensions.
• Union Retraite (Groupement d'Intérêt Public)majorStrategic or Co-development PartnerAgirc-Arrco participates in the Union Retraite (GIP), a joint body of French pension regimes that co-develops and operates shared digital services including the Mon estimation retraite simulator used by all French pension funds.
• Assurance Retraite (Cnav)majorGTM or Marketing PartnerAssurance Retraite (Cnav) is Agirc-Arrco's principal partner in organizing joint information campaigns for future retirees, co-running the major 'Rendez-vous de la retraite' and 'Rencontres retraite' campaigns with over 1,000 counselors mobilized simultaneously.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• The People's Pension: UK workplace pension scheme providing auto-enrollment coverage for millions of private-sector employees across more than 100,000 employers. Comparable to Agirc-Arrco in mandate (national workplace pension coverage), scale (millions of members), and focus on small and medium-sized employer affiliation.
• ATP (Arbejdsmarkedets Tillægspension): Denmark's statutory supplementary labour market pension scheme, providing universal supplementary pension coverage funded by employer/employee contributions. Highly comparable to Agirc-Arrco as a mandatory, pay-as-you-go pension scheme covering the vast majority of Danish private-sector workers.
• APG Group: Netherlands' largest pension administrator, managing pension assets for several Dutch pension funds covering millions of participants in collective occupational pension schemes. Comparable to Agirc-Arrco in scale, mandate, and the central role of administering nationally-coordinated workplace pension arrangements.
• NEST Corporation: UK's auto-enrollment workplace pension scheme established under the Pensions Act 2008, serving millions of UK workers with a similar statutory mandate. Comparable to Agirc-Arrco as both are nationally-mandated workplace pension schemes designed to provide portable, low-cost retirement coverage for private-sector employees.
• PFA Pension: Denmark's largest private-sector pension company, providing pension and insurance products to millions of customers through employer-sponsored schemes. Comparable to Agirc-Arrco as a major European workplace pension provider serving broad private-sector employee populations with mandatory contribution structures.
• Cnav (Caisse Nationale d'Assurance Vieillesse / L'Assurance Retraite): France's basic state pension fund, managing the mandatory régime de retraite de base for all French workers. Directly comparable as the foundational French pension scheme and a formal inter-regime coordination partner of Agirc-Arrco in joint campaigns (Rendez-vous de la retraite) and shared digital services.
• CNRACL (Caisse Nationale de Retraites des Agents des Collectivités Locales): French public-sector pension scheme covering local government and hospital employees, formally coordinated with Agirc-Arrco through the inter-regime framework alongside Cnav and MSA. Comparable as a French mandatory pension regime with similar paritarian governance principles and joint participation in shared social-action programs.
• VBL (Versorgungsanstalt des Bundes und der Länder): Germany's largest supplementary pension institution for public-sector employees, administering mandatory supplementary pensions funded by employer contributions. Comparable to Agirc-Arrco as a nationally-mandated supplementary pension scheme with a similar pay-as-you-go contribution model and broad employer-affiliation mandate.

Others

• AG2R LA MONDIALE: One of Agirc-Arrco's principal complementary pension institution (IRC) partners, administering Agirc-Arrco pension coverage for millions of affiliated companies and individuals. Comparable as a French complementary pension provider operating within the Agirc-Arrco framework while also offering broader insurance and savings products.

Broad incumbents

• Caisse des Dépôts et Consignations (CDC): France's public financial institution managing a broad portfolio including public-sector pensions (CNRACL, Ircantec), social policy funding, and infrastructure investment. Comparable to Agirc-Arrco as a major French institutional manager of pension obligations with national public-interest mandate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/AgircArrco
• YouTubeyoutube.com/@AgircArrco
• Facebookfacebook.com/lesretraiteurs
• LinkedInlinkedin.com/company/agirc-arrco
• Instagraminstagram.com/les_retraiteurs/?hl=fr

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries14 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 Agirc-Arrco