Collectum

What Collectum does

Collectum AB is the statutory administrator for the ITP (Industrins- och handelns tilläggspension) occupational pension scheme covering Sweden's private sector salaried employees under the collective bargaining agreement between Svenskt Näringsliv (Confederation of Swedish Enterprise) and PTK (Council for Negotiation and Co-operation for Salaried Employees). The company is jointly and equally owned by these two confederations, operates on a non-profit basis with no profit interests, and serves as the neutral intermediary between approximately 37,000 affiliated employers, 2.7 million covered employees, and a procured panel of insurance companies. The product portfolio encompasses the ITP 1 defined contribution plan (employees born 1979 or later), the ITP 2 defined benefit plan (employees born 1978 or earlier), ITPK complementary pension, TGL occupational group life insurance, family pension for high earners, sjukpension disability coverage, and premiebefrielseförsäkring waiver of premium insurance.

The technology stack is built around the Internet Office (Internetkontoret at ik.collectum.se), a SiteVision CMS-powered self-service portal where employers report salaries, manage pension agreements, and handle administration through BankID-authenticated sessions, and the ITP Choice (ITP-val) platform hosted via the Avtalat portal where employees make investment selections among procured insurers. A coordination register maintains ITP 2 data with 135-year retention to support defined benefit liability calculations, while automated payroll tax base calculation engines compute special payroll tax bases for ITP 1 and ITPK at year-end. Information security is aligned to ISO 27001/2, CIS v.8, and NIST standards, with penetration testing, infrastructure monitoring, and proactive scanning in place, and personal data processing is GDPR-compliant with a designated Data Protection Officer.

The revenue model is a recurring administration fee of 0.55% on age pension premiums within ITP 1 or ITPK, capped at 450 SEK per year per employment for ITP 1, billed monthly and deducted from premiums or insurance capital. Additional fees are earned on family pension, TGL, sjukpension, and related services. Go-to-market is structurally defined: employers with collective agreements are obligated to use Collectum, employee reach is delivered through the Avtalat consumer portal in collaboration with Kollektivavtalsinformation Sverige AB, and procurement of insurance companies is centralized to set standards for returns and fees. Distribution channels include the Internet Office portal, phone customer service (08-508 981 00), PDF-based form submissions, and digital marketing via LinkedIn, Facebook, Instagram, YouTube, the Pratapension blog, and employer newsletters.

Name

Collectum

Legal name

Collectum AB

Website

https://collectum.se

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

101–250 employees

Short description

Collectum AB is the statutory, jointly-owned (Svenskt Näringsliv and PTK) administrator of Sweden's ITP occupational pension, serving 37,000+ private-sector employers and 2.7 million salaried employees with fee-based administration, insurance procurement, and a BankID-authenticated Internet Office platform.

Ownership category

akta.pro rank

Product category

Occupational Pension Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Workforce Benefits Administration (Enrollment & Deductions) (BPACAIAF)

akta.pro secondary industry

Disability & Leave Administration (STD/LTD/FMLA/Paid Leave) (HLAEALAM)

Keywords

• Occupational pension administration
• Collective agreement pensions
• Pension fund management
• ITP occupational pension
• Salaried employee benefits

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Administration Fee on Premiums: Collectum's activities are financed by a fee charged on the premiums that employers pay. The fee is designed to cover operational costs and administration of the ITP pension system. The company has no profit interests and strives to work cost-effectively.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Collectum administers the collectively agreed ITP (Industrins- och handelns tilläggspension) occupational pension for private sector salaried employees in Sweden. The company operates as the central hub between employees, employers, and insurance companies, administering defined contribution (ITP 1) and defined benefit (ITP 2) pension schemes, including disability pension, occupational group life insurance (TGL), family pension, and complementary retirement pension (ITPK).

Product overview

Collectum is an occupational pension administration company that serves as the central hub for the collectively agreed ITP (Industrins- och handelns tilläggspension) pension scheme for private-sector salaried employees in Sweden. The company operates two main pension products: ITP 1 (defined contribution for employees born 1979 or later) and ITP 2 (defined benefit for employees born 1978 or earlier). The product portfolio includes retirement pension, disability pension (sjukpension), occupational group life insurance (TGL), family pension, ITPK complementary pension, and waiver of premium insurance. These are administered through the ITP-val platform where employees make investment choices, and the Internet Office (internetkontoret) where employers handle reporting and administration. Collectum also provides the Avtalat portal for private individuals to view their pension information and make selections.

Differentiator

Problem solved

Functional benefit

Brands

• Avtalat: A collaborative platform (Kollektivavtalsinformation i Sverige AB) where employees can access their ITP pension information, make choices about their pension investments, and view their collectively agreed occupational pension and insurance details.

Products and services

• ITP 1 (Industrins- och handelns tilläggspension 1) A defined contribution occupational pension scheme for salaried employees born in 1979 or later, including retirement pension, disability pension, and occupational group life insurance (TGL). Administered by Collectum on behalf of the collective agreement parties.
• ITP 2 (Industrins- och handelns tilläggspension 2) A defined benefit occupational pension scheme for salaried employees born in 1978 or earlier, including retirement pension, family pension, disability pension, ITPK, and occupational group life insurance (TGL).
• TGL (Tjänstegrupplivförsäkring) Occupational group life insurance that provides a tax-free lump sum to survivors (spouse, registered partner, children, grandchildren, or parents) if an employee dies before retirement.
• ITP-val (ITP Choice) Platform where employees choose how their retirement pension is invested, selecting between traditional or unit-linked insurance and adding family or repayment coverage.
• Internetkontoret (Internet Office) Online portal for employers to report employee information, salaries, sickness/healthy reports, and manage ITP administration. Supports login via BankID and e-legitimation.

Quantifiable outcome

• 2.7 million private sector salaried employees covered by ITP pension
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Kollektivavtalsinformation Sverige AB (Avtalat)coreStrategic or Co-development PartnerAvtalat is a collaborative brand providing a unified portal for employees to view their ITP pension and make choices. Collectum and Kollektivavtalsinformation share joint personal data responsibility for customer service, information provision, and communications. The two companies are separately responsible for their respective roles but cooperate on the Avtalat platform.
• AlectacoreTechnology or IntegrationAlecta manages the defined benefit ITP 2 pension. Collectum works with Alecta for payroll tax bases for ITP 2 premiums. Alecta calculates ITP 2 retirement pension and family pension based on employee age, salary, expected service period, and prior earned pension.
• PTK (Council for Negotiation and Co-operation for Salaried Employees)coreStrategic or Co-development PartnerPTK is one of Collectum's owners (50% ownership) and the collective bargaining party that negotiated the ITP agreement on behalf of salaried employees. PTK works with Svenskt Näringsliv to set terms for the ITP occupational pension.
• Svenskt Näringsliv (Confederation of Swedish Enterprise)coreStrategic or Co-development PartnerSvenskt Näringsliv is one of Collectum's owners (50% ownership) and the collective bargaining party representing employers. They negotiated the ITP agreement with PTK and are responsible for ensuring member companies comply with collective agreement obligations.
• TRR (Omställningsorganisationen)minorStrategic or Co-development PartnerTRR provides transition support and competence development for insured employees. Collectum shares data with TRR to provide eligible employees access to transition support services.
• Insurance Companies (AMF, Folksam, Nordea Liv & Pension, SPP, Handelsbanken Liv, Länsförsäkringar Fondliv, Swedbank Försäkring)coreTechnology or IntegrationCollectum procures and contracts with insurance companies that provide ITP 1 and ITPK pension products. These insurance providers are available as investment choices for employees. Collectum sets high standards for good historic returns and low fees.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Industriens Pension: Danish labor-market pension fund for industrial/private-sector employees (HK/Industriens Funktionærforening collective agreement), the closest Nordic functional equivalent of the ITP/Collectum construct across the Øresund.
• PFA Pension: Major Danish pension and insurance company serving labor-market collective agreement members; comparable scale and occupation-pension positioning in a similar collectively-agreed framework.

Direct peers

• AFA Försäkring: Swedish occupational insurance administrator covering collectively-agreed injury, life and health insurance across the labor market; operates the same employer-confederation governance pattern as Collectum in an adjacent collectively-agreed benefits category.
• SPV (Statens tjänstepensionsverk): Swedish public-sector parallel that administers the collectively-agreed PA (pensionsavgift) occupational pension for government employees via a near-identical TPA-style role; structurally and functionally the closest counterpart to Collectum, just for the public sector.
• Alecta: Sweden's largest occupational pension company and the administrator of the ITP 2 defined-benefit scheme; a core counterparty to Collectum that runs the fund for the legacy DB block and is deeply embedded in the same ITP ecosystem.
• KPA Pension (Skandia): Swedish collectively-bargained pension administrator serving municipal and county-sector workers (PFA/KAP-KL plans); a direct analog running a similar TPA-plus-procurement model in an adjacent collective agreement structure.
• SPP Pension & Försäkring (Söderberg & Partners): One of the procured ITP 1/ITPK insurance providers inside the Collectum choice platform; serves the same Swedish private-sector salaried employee cohort with overlapping pension and risk products.

Broad incumbents

• Folksam: Large Swedish cooperative insurer participating in the ITP choice panel while also offering broad life, health, and property-casualty products; an incumbent player operating across the same customer base in a wider portfolio.
• Söderberg & Partners: Swedish insurance brokerage and benefits advisory that has acquired SPP and operates within the same ITP and employer-benefits distribution chain; an adjacent intermediary with overlapping employer relationships.

Emerging players

• MinPension: Swedish pension-information aggregator co-owned by the government and industry that consolidates ITP and state pension data for citizens; a complementary neutral platform with potential overlap/competition in employee-facing pension information services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@collectumab
• Facebooksv-se.facebook.com/profile.php?id=100054647640499
• LinkedInse.linkedin.com/company/collectum
• Instagraminstagram.com/collectumab
• Xx.com/collectumab

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Collectum