NILGOSC

What NILGOSC does

NILGOSC (Northern Ireland Local Government Officers' Superannuation Committee) is the statutory administering authority for the Local Government Pension Scheme (Northern Ireland), known as the LGPS(NI). Founded in 1950 and headquartered at Templeton House, 411 Holywood Road, Belfast, the organisation delivers a defined benefit pension scheme covering local government employees and other eligible public sector workers across Northern Ireland. On 1 April 2015 the scheme transitioned from a final salary to a Career Average Revalued Earnings (CARE) design, with scheme factors set by the Government Actuary's Department based on HM Treasury's SCAPE discount rate.

The product platform centres on the My NILGOSC Pension Online member portal, supported by a suite of self-service calculators (pension account, contribution, annual allowance, additional contributions) and the i-Connect employer data exchange system. Member products include the Main Section, the 50/50 Section (reduced contributions for half pension build-up), Additional Voluntary Contributions via Prudential, Additional Pension Contributions, and comprehensive retirement options (early, late, flexible, ill-health, redundancy). NILGOSC is required to connect to the UK Pensions Dashboards by 31 October 2026. Operational scale spans 169 contributing employers, approximately 50,000 member records under McCloud Remedy review, and 51-100 employees. A new investment advisor, Isio, was appointed in May 2025.

NILGOSC is a not-for-profit public sector body, not a commercial enterprise. Revenue is not generated in a market sense; employer contributions of 19% of pensionable pay and member contributions of 5.5%-10.5% (Main Section) or 2.75%-5.25% (50/50 Section) flow into the Pension Fund held in trust for members. Distribution runs through employer automatic enrolment, the digital self-service portal, a contact centre, member seminars (in-person and via MS Teams), and an active content/communications programme across website, email, social media, and video.

Name

NILGOSC

Legal name

Northern Ireland Local Government Officers' Superannuation Committee

Website

https://nilgosc.org.uk

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

51–100 employees

Short description

NILGOSC is the statutory Northern Ireland administering authority for the LGPS(NI), a defined benefit pension scheme covering local government employees via 169 contributing employers. It runs the CARE scheme, the My NILGOSC Pension Online portal, calculators, and is connecting to UK Pensions Dashboards by October 2026.

Ownership category

akta.pro rank

Product category

Public Sector Pension Administration

NAICS

Pension Funds (52511), Insurance and Employee Benefit Funds (5251)

SIC

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

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Employee Benefit & Retirement Plan Trust Services (FSAAANAC), Disability Benefits Administration (BPAIAKAC)

Keywords

• Public sector pensions
• Defined benefit schemes
• Pension administration
• Government pension fund
• Career average pensions

Headquarters

HQ city

Belfast

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Employer contributions: Employers participating in the LGPS(NI) pay contributions into the Pension Fund. Most employers pay 19% of pensionable pay (as of the 2026 scheme year). These contributions, along with member contributions and investment returns, fund the defined benefit promises.
2. Member contributions: Active scheme members pay contributions deducted from their salary. Rates range from 5.5% to 10.5% of pensionable pay depending on pay band (Main Section) or 2.75% to 5.25% (50/50 Section) for the 2026/27 scheme year.
3. Additional Voluntary Contributions (AVCs): Members may pay Additional Voluntary Contributions to Prudential, the in-house AVC provider, to top up their pension. AVCs are separate from the core defined benefit and are invested through Prudential's fund range.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

NILGOSC administers the Local Government Pension Scheme (Northern Ireland), a statutory defined benefit pension scheme covering local government employees in Northern Ireland. The core product is the Career Average Revalued Earnings (CARE) scheme introduced 1 April 2015, delivering guaranteed retirement income, CPI-linked pension increases, survivor and ill-health benefits, and a lump sum death grant, complemented by AVCs, APCs, a 50/50 reduced-contribution section, and the My NILGOSC Pension Online member portal.

Product overview

NILGOSC (Northern Ireland Local Government Officers' Superannuation Committee) administers the Local Government Pension Scheme (Northern Ireland) [LGPS(NI)], a defined benefit occupational pension scheme. The core product is the CARE (Career Average Revalued Earnings) Scheme introduced on 1 April 2015, which provides guaranteed retirement income based on career-average pay and scheme membership. NILGOSC's product portfolio centres on My NILGOSC Pension Online as the primary member-facing digital portal, supplemented by calculation tools including the Pension Account Calculator, Contribution Calculator, Annual Allowance Calculator, and Additional Contributions Calculator. The scheme offers the 50/50 Section as a cost-reduction option, alongside AVCs and APCs for benefit enhancement. Employer tools include i-Connect for data exchange and Annual Returns submission. NILGOSC also provides Pensions Dashboards for consolidated pension visibility, comprehensive retirement options (early, late, flexible, ill-health, redundancy), and educational support through pension guides, newsletters, and information seminars. Death and survivor benefits including lump sum grants and pensions for dependents are integral scheme features.

Differentiator

Problem solved

Functional benefit

Products and services

• My NILGOSC Pension Online Primary member-facing portal providing secure online pension account management for LGPS(NI) active, deferred, and pensioner members, including registration, benefit statement access, and personal detail management.
• Pension Account Calculator Online tool that models CARE pension build-up from April 2015 onwards, allowing members to input pensionable pay, assumed inflation, and assumed pay increases to project benefit accumulation over selected years.
• Contribution Calculator Tool that compares Main Section and 50/50 Section contribution rates and shows the impact on take-home pay for members considering reduced contributions.
• Annual Allowance Calculator Tool that helps members assess their annual allowance position and understand HMRC tax limits on pension contributions.
• Additional Contributions Calculator Tool for members to calculate the cost of buying additional pension (APCs) to cover lost pension or purchase extra pension.
• 50/50 Section Cost-reduction section of the LGPS(NI) enabling members to pay half the normal contribution rate and build up half the pension, while retaining full life cover and ill-health retirement protection.
• Additional Voluntary Contributions (AVCs) via Prudential Voluntary savings option delivered with Prudential as in-house AVC provider, enabling members to top up their NILGOSC pension with additional contributions and select from a range of investment funds.
• Additional Pension Contributions (APCs) Scheme-arranged additional contributions allowing members to buy up to £9,158 of extra pension per year (2026/27 figures), cover lost pension from absence or industrial action, and use shared-cost arrangements for child-related leave.
• Pensions Dashboards connection Planned connection of LGPS(NI) data to the UK government's Pensions Dashboards programme, allowing members to view their LGPS(NI) pension alongside other pension savings in one secure, online location.
• Career Average Revalued Earnings (CARE) Scheme Core defined benefit pension arrangement under LGPS(NI) that calculates benefits based on career average pay and length of scheme membership, with annual revaluation to retirement.
• Early, Late, Flexible, and Ill-Health Retirement Options Retirement pathways covering early retirement from age 55 (without employer consent), late retirement with continued benefit accrual, employer-supported flexible retirement, and a tiered ill-health retirement package.
• Redundancy and Efficiency Retirement Benefits Pension benefits payable to members aged 55 or over who are made redundant or retired on business efficiency grounds, without early retirement reductions.
• i-Connect Data Exchange System Electronic data exchange platform enabling participating employers to submit member data to NILGOSC, with phased onboarding for different employer groups.
• Annual Returns Submission System System for participating employers to submit annual returns to NILGOSC at the end of each financial year (31 March), supported by specification documents and circulars.
• Pension Guides and Newsletters Member-facing documentation suite including the Pension Guide, Member Guide, Retirement Guide, Leaving Guide, and Active, Deferred, and Pensioner Member newsletters.
• Pension Information Seminars Live educational seminars on Pension Awareness, Scheme Benefits, Approaching Retirement, and Retirement Planning for Over 50s, delivered remotely via MS Teams or at employer locations.

Quantifiable outcome

• Employer contribution rate of 19% of pensionable pay
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature3 records

Partnerships

Six partnerships are on record, tiered minor and core.

• TargetminorStrategic or Co-development PartnerNILGOSC is working with Target to update address information for scheme members that NILGOSC has lost contact with.
• PrudentialcoreTechnology or IntegrationPrudential is the in-house AVC provider for NILGOSC. Members can pay Additional Voluntary Contributions through Prudential to boost their pension. NILGOSC publishes quarterly AVC fund performance data from Prudential on its website.
• Money and Pensions Service (MaPS)coreTechnology or IntegrationMaPS is creating the UK government pensions dashboard that NILGOSC is required to connect to by 31 October 2026. Members will be able to view their LGPS(NI) pension alongside other pension savings through MaPS dashboards.
• Shaw Trust Accessibility ServicesminorStrategic or Co-development PartnerShaw Trust Accessibility Services conducted accessibility testing of the NILGOSC website in October 2024, including automated evaluation and manual testing by pan-disabled testers on 21 specific pages.
• Government Actuary's Department (GAD)coreTechnology or IntegrationGAD sets scheme factors used in NILGOSC calculations (early/late retirement, transfers, added pension, commutation) based on the SCAPE discount rate from HM Treasury. GAD also publishes actuarial guidance and factors workbooks used by the scheme.
• Children's Cancer UnitminorOthersThe Children's Cancer Unit charity logo appears in the NILGOSC website footer, indicating a charitable connection or sponsorship arrangement.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Isio: UK actuarial and investment advisory firm that was recently appointed as NILGOSC's Investment Advisor. Comparable in serving LGPS and other DB pension clients with actuarial, investment, and scheme-administration advisory services across the UK market.
• Capita Pension Solutions: Large-scale third-party pensions administrator serving multiple UK DB and DC schemes, including some public-sector clients. Comparable to NILGOSC in pension administration capability and tooling, but operates as a commercial outsourcer across many schemes rather than a single statutory fund.

Direct peers

• LGPS Central: Pool of eight Local Government Pension Scheme administering authorities in England that collectively invest and administer LGPS funds. Directly comparable to NILGOSC as a fellow LGPS administering authority, with the same statutory DB structure, employer-funded contribution model, and regulatory framework.
• MyCSP: Administers the Civil Service Pension Scheme and other public-sector schemes on a contracted basis. Comparable to NILGOSC in providing DB pension administration services to a defined public-sector employee base, with online portals and employer data exchange.
• Strathclyde Pension Fund: Scotland's largest LGPS administering authority, covering Scottish local government employees under a statutory DB scheme. Comparable to NILGOSC in public-sector DB pension administration, although governed by Scottish rather than Northern Ireland legislation.
• West Yorkshire Pension Fund: LGPS administering authority for West Yorkshire local government employers, offering a CARE DB scheme with online member self-service. Closely comparable to NILGOSC in product design, member tooling, and employer-base structure.
• Greater Manchester Pension Fund: One of the largest LGPS administering authorities in England, providing a statutory DB LGPS to Greater Manchester local government employees. Highly comparable to NILGOSC in scheme design, member base composition, and online self-service offering.
• Teachers' Pensions: Administers the statutory Teachers' Pension Scheme for England and Wales, a DB public-sector scheme. Comparable to NILGOSC in scheme design, employer contributions, online self-service, and regulatory accountability to a government department.
• NHS Business Services Authority (NHS Pensions): Administers the NHS Pension Scheme, the UK's largest public-sector DB scheme. Comparable to NILGOSC as a public-sector statutory DB pension administrator with employer auto-enrollment, online member portals, and large-scale member-record management.
• Environment Agency Pension Fund: A LGPS-style DB fund for Environment Agency and other public bodies, administered via its own dedicated team. Comparable to NILGOSC as a focused, single-statutory-fund public-sector DB administrator with a defined employer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nilgosc
• LinkedInlinkedin.com/company/nilgosc
• Facebookfacebook.com/Nilgosc-206735222678767

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 NILGOSC