Fora
Fora AB is a non-profit Swedish service company that administers collectively agreed occupational pensions (Avtalspension SAF-LO) and insurances for ~3.6 million individuals on behalf of labor market parties LO and Svenskt Näringsliv, acting as the statutory choice center for the Swedish private-sector blue-collar pension system.
- Company typePrivate
- Founded1997
- HeadquartersStockholm, Sweden
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Fora does
Fora AB is a Swedish non-profit service company (Aktiebolag) that administers collectively agreed occupational pensions and insurances on behalf of the country's social partners. It is jointly owned in equal parts by LO (Landsorganisationen i Sverige) and Svenskt Näringsliv, and acts as the statutory choice center (valcentral) for Avtalspension SAF-LO and the appointed administrator of collectively agreed AFA-insurances (TFA, TGL, AGS), Omställningsförsäkring, and sector-specific policies for municipalities, regions, Sobona/Fastigo-affiliated employers and the Church of Sweden. Its core offering covers ~3.6 million individuals (1.7 million premium-active) and routes premiums and choice data to roughly 20 connected Swedish pension companies including Alecta, AMF, Folksam, SEB and Swedbank Försäkring. The company operates explicitly without its own profit motive and is funded via a 1.5% brokerage fee on employer-paid SAF-LO pension premiums, a 1,000 SEK annual grundpremie for companies without employees, and service-agreement compensation from AFA Försäkring.
The underlying technology stack is a web-based administration platform: the Mina sidor / Internetkontoret self-service portal (role-based for employers, individuals, and labor-market parties), a cloud-based data platform central to the Avtalat transformation, standardized uppmärkningskoder for payroll-system integration, and PDF-based document distribution. From January 2025, private individuals can authenticate via Freja eID+ and receive mail through the Billo digital mailbox. As of 23 March 2026, Fora is being operationally merged with sister companies Collectum and Avtalat AB into a single eight-department organization with ~420 employees under the Avtalat brand, with full corporate completion targeted for 2027; the Fora brand will persist for certain customer groups. The go-to-market is a partner-led, self-serve/inside-sales hybrid: employers and employees are reached through owned digital channels and phone/email customer service rather than outbound sales, while institutional reach comes via direct backing from LO, Svenskt Näringsliv and PTK.
Fora firmographics
Firmographics- Name
- Fora
- Legal name
- Fora AB
- Website
- https://fora.se
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Fora AB is a non-profit Swedish service company that administers collectively agreed occupational pensions (Avtalspension SAF-LO) and insurances for ~3.6 million individuals on behalf of labor market parties LO and Svenskt Näringsliv, acting as the statutory choice center for the Swedish private-sector blue-collar pension system.
- Ownership category
- akta.pro rank
Fora industry classification
Industry- Product category
- Collective pension and insurance administration
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190), Health and Welfare Funds (525120)
- SIC
- Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)
Keywords
Where Fora is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
Fora business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Förmedlingsavgift (brokerage fee) on Avtalspension SAF-LO premiums: Fora charges a brokerage fee of 1.5 percent of the premium paid by the employer when transferring the pension premium for Avtalspension SAF-LO administration.
- Grundpremie (annual base premium) for companies without employees: Annual fee of 1,000 SEK charged to companies without employees for holding a valid insurance agreement with Fora; invoiced retrospectively in April of the following year (or October for agreements cancelled before June 30).
- Service agreement compensation from AFA Försäkring: Compensation for administering the other insurances on behalf of AFA Försäkring, based on an agreement between Fora and AFA Försäkring based on services performed and volumes involved.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Brokerage fee of 1.5% on employer-paid SAF-LO pension premium transferred by Fora |
| Unit Pricing | Annual | 1,000 SEK annual grundpremie for companies without employees |
| Other | Pay-as-you-go | Percentage-of-salary insurance and pension premiums per published price lists |
Distribution channels5 records
Marketing channels8 records
Fora product offering
Product offeringCore offering
Fora AB is a Swedish non-profit service company that administers collectively agreed occupational pensions and group insurances (the AFA-insurances such as TFA, TGL and AGS) on behalf of employers and employees covered by collective agreements. The company acts as a neutral "valcentral" (choice center), transferring each employer's SAF-LO pension premiums to the pension company selected by the individual employee and processing premium collection, choice registration, and member communications for the full portfolio of collective insurances.
Product overview
Fora AB is a non-profit Swedish service company that administers collectively agreed occupational pensions and insurances on behalf of the social partners (LO and Svenskt Näringsliv). Its offering is best characterised as a regulated administrative platform composed of a core insurance/pension product suite — Avtalspension SAF-LO and the AFA-försäkringar bundle (TFA, TGL, AGS) — supplemented by sector-specific products (AGS-KL/TFA-KL/Avgiftbefrielseförsäkring for municipalities, regions and Svenska kyrkan), Omställningsförsäkring, and the Företagares egen försäkring package for company owners. These products are delivered through the Mina sidor (Internetkontoret) self-service portal and are being consolidated with sibling brands Collectum and Avtalat AB into the unified Avtalat brand and platform, targeted to be fully in place by 2027. The Avtalsregistret ESA register serves labor-market parties alongside these offerings.
Differentiator
Problem solved
Functional benefit
Brands
- Avtalat: Common brand owned by Svenskt Näringsliv, LO and PTK, consolidating information, guidance and services for collectively agreed occupational pension and insurance in the private sector under one brand; Fora and Collectum are being merged into the Avtalat structure.
Products and services
- Avtalspension SAF-LO Collectively agreed occupational pension for private-sector employees covered by LO collective agreements, administered by Fora as a neutral choice center. Employers remit premiums to Fora, which then transfers them to the pension company each employee has actively selected or to the default fund; employees can log in to Mina sidor Privat to make an active choice or accept the default.
- TFA - Trygghetsförsäkring vid arbetsskada Collectively agreed work-injury insurance for employees in the private labor market administered via Fora on behalf of AFA Försäkring.
- TGL - Tjänstegrupplivförsäkring Collectively agreed group life insurance for private-sector employees covered by LO collective agreements, administered through Fora on behalf of AFA Försäkring.
- AGS - Avtalsgruppsjukförsäkring Collectively agreed group sickness insurance providing supplementary compensation during illness for private-sector employees covered by LO collective agreements, administered via Fora on behalf of AFA Försäkring.
- AGS-KL Collectively agreed group sickness insurance tailored for employees in municipalities, regions and other KL-affiliated public-sector employers, administered through Fora.
- TFA-KL Collectively agreed work-injury insurance for municipal, regional and other KL public-sector employees, administered via Fora on behalf of AFA Försäkring.
- Avgiftbefrielseförsäkring Collectively agreed insurance that covers pension and insurance premiums on behalf of employees on long-term sick leave for KL public-sector employers, administered via Fora.
- Premiebefrielseförsäkring Collectively agreed insurance that covers continued payment of pension premiums on behalf of employees on long-term sick leave for private-sector employers under LO collective agreements, administered via Fora.
- TGL Fortsättningsförsäkring Continuation life insurance that lets former employees maintain group life coverage on a self-paid basis after leaving employment covered by collective agreement.
- Omställningsförsäkring Collectively agreed transition insurance providing financial support for re-skilling, career change and redeployment, available to employees covered by collective agreements and administered by Fora. The product was extended to private-sector employers (alongside its existing public-sector coverage) from 1 January 2025.
- Företagares egen försäkring Self-insurance offering for entrepreneurs and small-business owners that replicates elements of the AGS, TFA and TGL collective insurances for owners of companies without employees, available for a flat 1,000 SEK annual grundpremie via Fora.
- Mina sidor (Internetkontoret) self-service portal Online self-service portal where employers (Mina sidor Företag) and individual employees (Mina sidor Privat) can report salaries, manage premium payments, view pension forecasts, register insurance information and access pension statements. Available 24/7 via the cloud-based data platform.
- E-tjänster (electronic premium services) Electronic services that allow employers to submit and reconcile monthly premium transfers to Fora, integrate with payroll systems (AGA/K10 reporting) and route payments via SBC e-faktura and PostNord, replacing manual invoicing.
Quantifiable outcome
- 3.6 million individuals receive annual pension statements from Fora, including 1.7 million premium-active
- +3 more outcomes
Companies that use Fora
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles3 records
Fora technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Fora partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered flagship and core.
- LO (Landsorganisationen i Sverige)flagshipLO and Svenskt Näringsliv jointly own Fora AB in equal parts. LO is one of the social partners on whose behalf Fora administers collectively agreed insurances and Avtalspension SAF-LO. Together with PTK and Svenskt Näringsliv, LO has formed Avtalat to consolidate the three entities.
- Svenskt NäringslivflagshipSvenskt Näringsliv co-owns Fora AB together with LO. Together they have driven the creation of Avtalat as the joint brand for collectively agreed occupational pension and insurance information and services.
- PTK (Tjänstemännens Centralorganisation)flagshipPTK, together with Svenskt Näringsliv and LO, owns Collectum AB, Fora AB, and Avtalat AB. PTK's involvement underpins the joint corporate structure under the Avtalat brand.
- Collectum ABflagshipSister company under the same LO/Svenskt Näringsliv/PTK ownership. Being merged with Fora and Avtalat into a single corporate structure under the Avtalat brand, with full transition planned by 2027.
- Avtalat ABflagshipFormed in 2021 by LO, Svenskt Näringsliv, and PTK to consolidate information, guidance, and services for collectively agreed occupational pensions and insurances. On 23 March 2026, a unified corporate structure took effect, with Avtalat becoming the operating company for former Fora and Collectum staff; new joint premises at Norra Bantorget, Stockholm.
- AFA FörsäkringflagshipAFA Försäkring is the insurer for the collectively agreed insurances that Fora administers (AFA-insurances plus Omställningsförsäkring); compensation is based on an agreement between Fora and AFA Försäkring tied to services performed and volumes involved.
- AlectacoreOne of the pension companies to which Fora, as valcentral for Avtalspension SAF-LO, transfers premiums and choice data. Listed in Fora's official pension company directory.
- AMFcoreDefault pension company for individuals who do not make an active choice in Avtalspension SAF-LO; connected to Fora via the SAF-LO choice center system.
- FolksamcoreConnected pension company for Avtalspension SAF-LO via Fora's choice center; also appears as 'Folksam LO Pension' in the pension company directory.
- FuturcorePension company connected to Fora's Avtalspension SAF-LO choice center.
- Handelsbanken LivcorePension company connected to Fora's Avtalspension SAF-LO choice center.
- Länsförsäkringar FondlivcorePension company connected to Fora's Avtalspension SAF-LO choice center.
- Movestic Liv & PensioncorePension company connected to Fora's Avtalspension SAF-LO choice center.
- Nordea Liv & PensioncorePension company connected to Fora's Avtalspension SAF-LO choice center.
- SEBcorePension company connected to Fora's Avtalspension SAF-LO choice center.
- SPPcorePension company connected to Fora's Avtalspension SAF-LO choice center.
- Swedbank FörsäkringcorePension company connected to Fora's Avtalspension SAF-LO choice center.
- SobonacoreSwedish employers' association for public-sector companies; members access Fora via the dedicated municipality and region section for administration of collectively agreed insurances.
- FastigocoreIndustry employer association for property/service companies; member companies use Fora for collectively agreed insurances administration.
- Svenska kyrkancoreChurch of Sweden as a major employer uses Fora's municipality and region section for its collectively agreed insurance administration.
- KammarkollegietcoreSwedish government agency for legal, financial, and administrative services; Fora is authorized by power of attorney under its insurance terms to apply for government compensation on behalf of employers paying fees to TRR, TRS, or TSL, and to disburse approved compensation back to employers.
- TRR TrygghetsrådetcoreSwedish transition and reskilling council for white-collar employees; employers paying TRR fees are eligible for state compensation that Fora helps claim via Kammarkollegiet. Cost for TRR lowered to 0.4% (member firms of Svenskt Näringsliv) / 0.8% (other firms) in 2026.
- Trygghetsrådet TRScoreSwedish transition council for cooperative and ideella sectors; employers paying TRS fees are eligible for state compensation routed through Fora. TRS cost lowered to 0.4% (Arbetsgivaralliansen/Svensk Scenkonst members) / 0.8% (other firms) in 2026.
- Trygghetsfonden TSLcoreSwedish transition fund; employers paying TSL fees are eligible for state compensation routed via Fora. TSL cost unchanged for 2026.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Fora competitors and assessment
Company assessmentDirect peers
- Collectum AB: Sister choice center (valcentral) for the ITP occupational pension for white-collar private-sector employees, jointly owned by the same social partners (LO, Svenskt Näringsliv, PTK). Being merged into Avtalat together with Fora; directly comparable in role, ownership, and product.
- Avtalat AB: Joint brand/platform consolidating information, guidance, and administration of collectively agreed occupational pensions and insurances in the Swedish private sector. Owned by the same LO/Svenskt Näringsliv/PTK consortium; being unified with Fora and Collectum by 2027.
- Pensionsvalet (PV Sverige): Swedish valcentral (choice center) administering pension elections for several collectively agreed occupational pension plans, with a similar role of routing employer premiums to elected pension companies. Directly comparable TPA function in the Swedish market.
- KPA Pension: Pension company jointly owned by the Swedish municipal workers' union SKR and the municipal sector employers; administers occupational pensions for the municipal/region sector that overlaps with Fora's AGS-KL/TFA-KL/Avgiftsbefrielseförsäkring portfolio.
- AFA Försäkring: Insurer for the collectively agreed insurances (TFA, TGL, AGS) that Fora administers on its behalf under a service agreement. While Fora is the administrator and AFA is the risk carrier, they operate as a tightly coupled pair in the same collectively agreed insurance system.
- PRI Pensionsgaranti: Swedish occupational pension administrator jointly owned by the Confederation of Swedish Enterprise and PTK; provides pension administration services comparable to Fora's role in the collectively agreed system.
- Minpension.se: Swedish non-profit pension information portal jointly owned by the government, pension companies, and labor-market parties — sits alongside Fora in the Swedish collectively agreed pension ecosystem as a neutral information provider.
Broad incumbents
- SPP Pension & Försäkring: Major Swedish occupational pension provider (part of Storebrand group) connected to Fora's Avtalspension SAF-LO choice center. While Fora routes premiums to SPP rather than competing with it directly, SPP operates as a broad incumbent in the same Swedish collectively agreed pension market.
- Alecta: One of Sweden's largest occupational pension companies and a connected recipient of Avtalspension SAF-LO premiums routed through Fora's choice center. Operates as a broad incumbent in the same market with much larger assets under management.
- AMF Pension: Swedish occupational pension company and the default pension provider for individuals who make no active choice in Avtalspension SAF-LO, channeled through Fora. Functions as a broad incumbent on the same collectively agreed pension rails that Fora administers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Fora social profiles
Digital presenceFora compliance and trust
Trust signalCompliance1 record
Fora financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fora leadership team
Management profileNumber of profiles
Profiles1 record
Fora subsidiaries and ownership
Company hierarchySubsidiaries2 records
Fora funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fora M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fora
What does Fora do?
Fora AB is a Swedish non-profit service company that administers collectively agreed occupational pensions and group insurances (the AFA-insurances such as TFA, TGL and AGS) on behalf of employers and employees covered by collective agreements. The company acts as a neutral "valcentral" (choice center), transferring each employer's SAF-LO pension premiums to the pension company selected by the individual employee and processing premium collection, choice registration, and member communications for the full portfolio of collective insurances.
Is Fora a public or private company?
Fora is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Fora founded?
Fora was founded in 1997. It employs 251 to 500 people.
Where is Fora based?
Fora is headquartered in Stockholm, Sweden, in the Europe region.
How does Fora make money?
Three revenue lines are on record. Förmedlingsavgift (brokerage fee) on Avtalspension SAF-LO premiums are the primary driver. The others are grundpremie (annual base premium) for companies without employees and service agreement compensation from AFA Försäkring.
Who are Fora's main competitors?
Direct peers on record are Collectum AB, Avtalat AB, Pensionsvalet (PV Sverige), KPA Pension, AFA Försäkring, PRI Pensionsgaranti and Minpension.se. Broad incumbents are SPP Pension & Försäkring, Alecta and AMF Pension.
Does Fora have an API?
No public API is recorded for Fora.
What industry is Fora in?
Fora's product category is Collective pension and insurance administration. Its primary akta.pro industry code is HLAEALAA, Self-Funded Employer Plan TPA (ASO Administration). Its NAICS code is 524292 and its SIC code is 6324.