Fora

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.

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

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

• Pension administration
• Collective insurance
• Occupational pensions
• Insurance administration
• Pension choice center

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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).
3. 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

Distribution channels5 records

Marketing channels8 records

Core 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

Named customers4 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

24 partnerships are on record, tiered flagship and core.

• LO (Landsorganisationen i Sverige)flagshipStrategic or Co-development PartnerLO 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 NäringslivflagshipStrategic or Co-development PartnerSvenskt 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)flagshipStrategic or Co-development PartnerPTK, 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 ABflagshipStrategic or Co-development PartnerSister 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 ABflagshipStrategic or Co-development PartnerFormed 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 FörsäkringflagshipStrategic or Co-development PartnerAFA 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.
• AlectacoreChannel Partner/ Reseller/ DistributorOne 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.
• AMFcoreChannel Partner/ Reseller/ DistributorDefault 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.
• FolksamcoreChannel Partner/ Reseller/ DistributorConnected pension company for Avtalspension SAF-LO via Fora's choice center; also appears as 'Folksam LO Pension' in the pension company directory.
• FuturcoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• Handelsbanken LivcoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• Länsförsäkringar FondlivcoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• Movestic Liv & PensioncoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• Nordea Liv & PensioncoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• SEBcoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• SPPcoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• Swedbank FörsäkringcoreChannel Partner/ Reseller/ DistributorPension company connected to Fora's Avtalspension SAF-LO choice center.
• SobonacoreStrategic or Co-development PartnerSwedish employers' association for public-sector companies; members access Fora via the dedicated municipality and region section for administration of collectively agreed insurances.
• FastigocoreStrategic or Co-development PartnerIndustry employer association for property/service companies; member companies use Fora for collectively agreed insurances administration.
• Svenska kyrkancoreStrategic or Co-development PartnerChurch of Sweden as a major employer uses Fora's municipality and region section for its collectively agreed insurance administration.
• KammarkollegietcoreStrategic or Co-development PartnerSwedish 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 TrygghetsrådetcoreStrategic or Co-development PartnerSwedish 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 TRScoreStrategic or Co-development PartnerSwedish 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 TSLcoreStrategic or Co-development PartnerSwedish 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

Direct 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

• YouTubeyoutube.com/watch?v=6V6FUPazNeg
• Xx.com/Fora_AB

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 Fora