DG-Gruppe

What DG-Gruppe does

DG-Gruppe develops concepts for corporate pension systems and provides associated support services.

Name

DG-Gruppe

Legal name

DG-Gruppe AG

Website

http://www.dg-gruppe.eu

Company type

Public

Founded year

2009

Operating status

Operating

Short description

DG-Gruppe develops concepts for corporate pension systems and provides associated support services.

Ownership category

akta.pro rank

Product category

Occupational Pension and Employee Benefits Consulting

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411), Pension Funds (525110)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Occupational pension consulting
• Salary optimization services
• Corporate insurance brokerage
• Employee benefits administration
• BAV contract management

Headquarters

HQ city

Weißenburg In Bayern

HQ country

Germany

HQ region

Europe

Offices15 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Versicherungsprovision): DGbAV AG works as an insurance agent (Versicherungsvertreterin) for multiple insurance companies in a multi-agent capacity. Commission income from placing occupational pension and insurance products.
2. Financial Advisory Services: DGVE operates as a financial investment broker (Finanzanlagenvermittler) with permits under §34f GewO for consulting on subsidies and financial products for asset building and protection.
3. bAV Review and Consultation Fees: DG-Akademie certifies bAV examiners who conduct contract reviews (Sichtungscheck) for corporate clients for a fee. Digital tools and personal consulting services provided.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

DG-Gruppe develops concepts for corporate pension systems (betriebliche Altersversorgung/bAV) and provides associated support services including consulting, contract review, salary optimization (Entgeltoptimierung/GehaltsExtras), digital administration, and liability minimization. The group sells and brokers occupational pension and insurance products as a multi-agent insurance intermediary (Versicherungsvertreterin) and financial investment broker, packaging its offerings as the modular 'bAV 4.0' all-inclusive solution.

Product overview

DG-Gruppe AG is a financial services company offering comprehensive occupational pension (bAV) and salary optimization services through five specialized subsidiaries: DGbAV AG (core bAV consulting and insurance sales), DGEO (salary optimization via tax-advantaged compensation modules), DG-Clearingstelle GmbH (contract administration and liability review), DGVE (subsidy research for asset building), and DG-Akademie (certification and training). The group delivers services through proprietary digital tools including the HR-MultiTool portal and an internal Benefitportal, and packages its offerings as 'bAV 4.0' – a modular 'Rundum-sorglos' (all-inclusive) solution for employers. The portfolio covers bAV consulting and administration, salary extras (GehaltsExtras), company health insurance (bKV), and bAV examiner certification.

Differentiator

Problem solved

Functional benefit

Brands

• DGbAV – Deutsche Gesellschaft für betriebliche Altersversorgung: Core business unit for occupational pension provision and consulting services.
• DGEO – Deutsche Gesellschaft für Entgeltoptimierung
• DG-Akademie
• bAV 4.0
• HR-MultiTool
• GehaltsExtras

Products and services

• Occupational Pension Consulting (bAV) via DGbAV AG Core consulting and brokerage service for establishing, reviewing, and administering corporate occupational pension schemes (betriebliche Altersversorgung). Sold to German corporate clients as the group's primary offering, with the firm acting as a multi-agency insurance intermediary.
• GehaltsExtras (Salary Optimization via DGEO/DGAPI) Tax-advantaged salary extra concepts (GehaltsExtras) including shopping vouchers, travel tickets, company car garage rent, and private phone costs, structured to optimize employee net income without raising employer gross labor costs. Sold to corporate clients and integrated with bAV funding.
• Betriebliche Krankenversicherung (bKV) - Company Health Insurance Company health insurance offerings tailored to employer needs with implementation support, extending the group's employee benefits portfolio beyond pensions and salary extras.
• DG-Clearingstelle - bAV Contract Administration and Liability Review Administration of bAV contracts, screening reviews (Sichtungscheck), liability checks, and digital data provision via the proprietary HR-MultiTool for corporate clients seeking to minimize employer liability and digitize administration.
• DGVE - Financial Investment Advisory and Subsidy Research Research, application and deployment of subsidies for asset building and protection, plus financial investment intermediary advice under §34f GewO permits, complementing the bAV and salary optimization offerings.
• bAV 4.0 - Modular All-Inclusive bAV Package Comprehensive modular package for occupational pension implementation combining review of existing bAV, digitization of administration via HR-MultiTool, installation of alternative compensation systems, and development of needs-based pension concepts aimed at maximum employee penetration and cost-neutral employer implementation.
• HR-MultiTool (HRMT) - Cross-Provider bAV Administration Platform Proprietary cross-provider digital tool for managing GehaltsExtras and bAV contracts, providing digital and personally accompanied administration for employers across multiple insurance providers.
• DG-Akademie - bAV Examiner Certification and Training Group training institution offering certification programs for bAV examiners (Sichtungscheck) and educational seminars for in-house consultants, tax advisors, and business owners on occupational pension and salary optimization topics.

Quantifiable outcome

• Cost-neutral bAV implementation possible through salary optimization synergy effects
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• R+V Versicherung AGcoreChannel Partner/ Reseller/ Distributor · 5 June 2020Strategic partnership making DG-Gruppe products available through R+V bank distribution network. Provides access to 800 banks throughout Germany and their corporate clients. Indirectly extends sales representatives from 145 to 395 persons. Enables significant business expansion from 2021 onwards.
• Ratisbona Compliance GmbHminorOthersProvides whistleblower system (RC-Whistle) with legal expertise for reporting misconduct. Implements anonymous reporting channel with attorney-reviewed initial assessment.
• Certified bAV Examiners (Kooperationspartner)minorImplementation/ SI/ Consulting PartnerNetwork of certified bAV examiners authorized to conduct contract reviews (Sichtungscheck) for corporate clients for a fee through DG-Akademie certification.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bonnfinanz AG: German financial advisory and brokerage firm with a focus on insurance, investment, and retirement planning products distributed through a field consultant network. Directly comparable to DG-Gruppe's bAV and GehaltsExtras intermediation model; Michael Rentmeister (former DG-Gruppe Aufsichtsratsvorsitzender) previously led Bonnfinanz.
• OVB Holding AG: European cross-market financial advisory group with a large field-sales force across Germany, focused on insurance, pension, and asset-building products for middle-income households. Highly comparable business model and customer base; Michael Rentmeister also previously led OVB Holding.
• MLP SE: Germany-listed financial advisory and wealth-planning firm serving professionals, SMEs and corporate clients with retirement and insurance products. Overlap is strongest in occupational pension consulting and employer-sponsored benefits for SMEs, though MLP targets higher-income segments.

Broad incumbents

• Aon Germany (Aon Hewitt): Global benefits and HR consulting incumbent with significant German presence in occupational pension design, actuarial services, and bAV administration. Comparable on the bAV consulting and corporate client axis, but serves mid-market-to-enterprise versus DG-Gruppe's SME focus.
• Mercer Deutschland: Global consulting firm (Marsh McLennan) with deep German occupational pension and employee-benefits practice. Comparable in benefits advisory scope and corporate client base, though Mercer targets larger enterprises with more sophisticated consulting mandates.
• Willis Towers Watson Deutschland: International advisory, broking, and consulting firm with German bAV, actuarial, and benefits-administration capabilities. Comparable corporate client base for bAV consulting but broader international scale than DG-Gruppe.

Emerging players

• Entgeltumwandlung.de / Pro-Tec GmbH: Specialized German bAV and salary-conversion consultancy focused on SMEs. Direct competitor in the same 'cost-neutral bAV' niche, but smaller scale and without DG-Gruppe's national bank-channel distribution.
• defere GmbH: German insurtech and bAV/Entgeltoptimierung digital platform providing salary-conversion administration and digital tools. Compares to DG-Gruppe's HR-MultiTool and Benefitportal offering, but as a younger, software-led entrant versus DG-Gruppe's consultant-led distribution model.

Others

• Helmsauer-Gruppe: Nürnberg-based diversified insurance brokerage conglomerate that owns >99% of DG-Gruppe AG. Relevant as the parent group for understanding DG-Gruppe's strategic positioning and cross-sell potential, but not a competitive peer.
• Canada Life Assurance Europe plc: International life insurer active in German occupational pension markets that utilizes DG-Gruppe's consulting expertise. Carrier-side counterpart rather than a competitor; relevant for understanding DG-Gruppe's distribution into the German bAV insurance value chain.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/dg-gruppe-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries4 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 DG-Gruppe