PME pensioenfonds

What PME pensioenfonds does

PME Pensioenfonds (legal name: Stichting Bedrijfstakpensioenfonds van de Metalektro) is a Dutch mandatory industry-wide pension fund established on 3 August 1947 and headquartered in Groningen (per operational address data; firmographic record lists The Hague as city). It administers pension accrual, survivor benefits, disability coverage, and early/partial retirement for approximately 350,000 participants employed by — and within — the Dutch metal and technology sector (metalektro). Affiliation is determined by the Raad van Overleg Metalektro (ROM), the social-partner body comprising employer association FME and trade unions FNV Metaal, CNV Vakmensen, De Unie, and VHP2, making participation statutory for in-scope employers and employees.

The fund's product set spans core pension administration (Pensioenadministratie), the Pensioenplanner online calculator, early and partial retirement options, partner's and orphan's pensions, disability pension (WIA-excedent), unemployment-benefit pension continuation, and a voluntary "Pensioen op eigen kosten" continuation product. Operational technology is not proprietary: pension administration, communication, and benefit payments are outsourced to TKP, and asset management is handled by MN Vermogensbeheer. PME itself operates as a lean governing foundation (11-50 employees) with in-house strategy, governance, compliance, and participant-consultant functions. The fund is supervised by De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM), complies with SFDR and AVG, and has filed implementation and communication plans for the mandatory transition to the new Dutch pension system (Wet toekomst pensioenen) on 1 January 2027.

PME is a non-profit foundation (stichting zonder winstoogmerk) with no shareholders and no traditional revenue line; its economics are driven by participant and employer contributions and investment returns on the pooled asset base. Current coverage ratio stands at 127.6% (May 2026), with a policy coverage ratio of 124%, both above the 119.1% regulatory threshold, and PME has implemented pension increases in 2022, 2023, 2024, and 2026. Distribution is fully direct: participants self-serve via DigiD- or eIDAS-secured portals, employers transact via eHerkenning, and a regional pension-consultant network provides in-person and video advisory. The 1 January 2027 transition introduces individual pension pots, partner-pension changes, and a one-time "Extra bedrag" compensation for cohorts born 1 February 1960 to 31 December 1988.

Name

PME pensioenfonds

Legal name

Stichting Bedrijfstakpensioenfonds van de Metalektro

Website

https://pmepensioen.nl

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

11–50 employees

Short description

PME Pensioenfonds is a non-profit mandatory industry-wide pension fund, founded 1947, administering pensions for approximately 350,000 participants in the Dutch metal and technology sector, with administration outsourced to TKP and asset management to MN Vermogensbeheer.

Ownership category

akta.pro rank

Product category

Sector Pension Fund

NAICS

Pension Funds (525110)

SIC

Finance Services (6199)

akta.pro primary industry

Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK)

akta.pro secondary industries

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA), Liability-Driven Investment (LDI) & Pension Risk Transfer (PRT) Asset Management (FSAAAGAI)

Keywords

• Pension fund administration
• Retirement benefit plans
• Sector pension scheme
• Defined benefit pensions
• Pension asset management

Headquarters

HQ city

The Hague

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension contributions: PME collects pension contributions from employers and employees in the metal and technology sector of the Netherlands. These contributions are pooled and invested to fund future pension obligations.

Pricing tiers

Distribution channels4 records

Marketing channels6 records

Core offering

PME Pensioenfonds is a non-profit mandatory industry-wide pension fund (Bedrijfstakpensioenfonds van de Metalektro) for the Dutch metal and technology sector. It collects pension contributions from employers and employees, invests the pooled assets, and administers old-age, partner's, orphan's, and disability pensions for approximately 350,000 participants. Pension administration is outsourced to TKP and asset management to MN Vermogensbeheer, while the fund itself is preparing to transition to the new Dutch pension system (Wet toekomst pensioenen) on 1 January 2027.

Product overview

PME pensioenfonds is a non-profit pension fund for the Dutch metal and technology sector (Bedrijfstakpensioenfonds van de Metalektro), administering pensions for approximately 350,000 participants. The organization operates as a unified pension administration platform combining core pension accrual services with retirement planning tools, survivor benefits, and disability provisions. Key offerings include the Pensioenplanner for personalized retirement calculations, early and partial retirement options, partner and orphan's pension coverage, and voluntary continuation programs. Administrative operations are outsourced to TKP (administration, communication, payments) and MN Vermogensbeheer (asset management), while in-house services include pension consultants, complaint handling, and annual reporting. The fund is transitioning to new pension rules effective 1 January 2027, introducing individual pension pots and compensation mechanisms for affected participants.

Differentiator

Problem solved

Functional benefit

Products and services

• Pension Administration (Pensioenadministratie) Full pension administration service covering accrual management, record-keeping, and pension calculations for employees, retirees, and employers in the Dutch metal and technology sector. Outsourced to TKP.
• Pension Planner (Pensioenplanner) Online tool allowing participants to calculate their future pension amount, explore different retirement ages, and create personalized pension plans.
• Compensation Top-up (Extra bedrag compensatie) One-time extra amount added to pension pots for participants born between 1 February 1960 and 31 December 1988 during the transition to new pension rules on 1 January 2027, designed to compensate for expected future pension disadvantage.
• Early Retirement (Vervroegd pensioen) Option for participants to retire earlier than state pension age, with adjustable pension amounts based on retirement timing.
• Partial Retirement (Deeltijdpensioen) Flexible retirement option allowing participants to reduce working hours gradually while drawing partial pension.
• Disability Pension (Arbeidsongeschiktheidspensioen) Pension accrual continuation for disabled workers, with non-contributory pension accrual based on disability percentage (28-70%) and WIA shortfall allowance for salaries above €79,409.
• Unemployment Pension Continuation (WW-uitkering en pensioen) Continued pension accrual at 70% rate for unemployed participants, with PME covering 50% of contributions and eligibility for compensation upon transition.
• Partner's Pension and Orphan's Pension (Partnerpensioen en Wezenpensioen) Survivor benefits including 20% of salary as partner's pension plus €5,000 annual temporary benefit until state pension age, and 10-20% per child as orphan's pension until age 25.
• Pension at Own Expense (Pensioen op eigen kosten) Voluntary pension continuation for up to 3 years (or 10 years for self-employed) for those leaving employment, maintaining eligibility for compensation upon transition.
• Pension Consultant Service (Werknemersconsulent) Personal consultation service with pension consultants available for in-person or video appointments, accessible via postal code lookup across the Netherlands.

Quantifiable outcome

• Coverage ratio of 127.6% (May 2026), enabling potential pension increases
• +2 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves9 records

Expansion highlights4 records

Direct peers

• Bpf Bouw (Pensioenfonds Bouw): Sector pension fund for the Dutch construction industry. Same mandatory industry-wide structure and social-partner governance as PME; comparable scale, regulation and 2027 transition challenge.
• Pensioenfonds Detailhandel: Sector pension fund for Dutch retail employees. Structurally identical to PME in terms of mandatory affiliation, multi-employer pooling and social-partner governance.
• PFZW (Pensioenfonds Zorg en Welzijn): Sector pension fund for the Dutch healthcare and welfare sector — same mandatory Bedrijfstakpensioenfonds structure, similar social-partner governance, and a large participant base (~2.9M). Closest functional peer outside the metal sector.
• PMT (Pensioenfonds Metaal en Techniek): Dutch sector pension fund for the adjacent metaal en techniek CAO, structurally identical to PME as a mandatory Bedrijfstakpensioenfonds. Overlapping participant base, governance model and regulatory regime make it the most directly comparable fund.
• Pensioenfonds Vervoer: Mandatory sector pension fund for the Dutch transport and logistics sector. Same institutional structure, DNB/AFM oversight and 2027 Wet toekomst pensioenen transition obligations as PME.

Others

• PGGM: Dutch pension service cooperative that performs asset management and administration for PFZW. Plays the same outsourced-asset-manager role for PFZW that MN Vermogensbeheer plays for PME, making it a structural ecosystem parallel.
• APG: Largest Dutch pension asset manager, executing the asset-management mandate for ABP. Operates the same outsourced asset-management function for a sister Bedrijfstakpensioenfonds, making it a direct operational comparator to MN Vermogensbeheer.
• TKP Pensioenuitvoering: Dutch third-party pension administrator currently performing administration, communication and payments for PME. A peer by virtue of running PME's operational stack and serving multiple Dutch sector pension funds under the same TPA model.
• MN Vermogensbeheer (MN): Asset manager and pension administrator serving multiple Dutch sector pension funds, including PME. Same institutional pension-administration and asset-management role within the Dutch sector-fund ecosystem.

Broad incumbents

• ABP (Algemeen Burgerlijk Pensioenfonds): Largest Dutch pension fund (government and education sector), operating under the same Bedrijfstakpensioenfonds framework as PME but at vastly greater scale (3M+ participants). Comparable operating model and regulatory exposure despite the much larger size.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/PME_pensioen

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 PME pensioenfonds