Corporate Pension Partner

What Corporate Pension Partner does

Corporate Pension Partner CPP GmbH is a Hamburg-headquartered, privately held insurance broker and full-service provider specializing in occupational pension and employee benefits administration (bAV, bBU, bKV, Zeitwertkonten, Gesundheitsbudget) for the German Mittelstand. The firm is registered as a broker under §34d GewO (registration D-43UU-JH7T2-88) and operates from offices in Hamburg's Schokoladenfabrik building, with Oliver Schön as founder and managing shareholder and Aventus Maklergruppe holding a stake acquired in 2024 while preserving entrepreneurial independence.

The company's product portfolio is organized around three layers — Beratung (concept, communication, advisory, ongoing support), Versorgung (insurance product placement across carriers including direct insurance, pension funds, support funds, and pension commitments), and Verwaltung (digital administration outsourcing) — and is delivered through a cloud-based platform (Digitale bAV-Verwaltung) with separate employer and employee service portals, TÜV ISO 9001:2015 certification, and GDPR-compliant consent and documentation management. Integrations include Calendly for consultation scheduling, givve®/Mastercard® for benefit card distribution, and Medgate (via BARMENIA) for telemedicine; a dedicated sustainable / Grüne bAV line is supported by INAF-certified sustainable-finance advisors.

CPP earns revenue through three streams: insurance brokerage commissions on products placed with carriers, professional-service fees for advisory and Versorgungsordnung drafting, and recurring managed-service fees for ongoing digital bAV administration. Pricing is unit-based for ancillary products (e.g., €22 per employee per month for Gesundheitsbudget; €8.60 per employee per month for telemedicine) and quote-based, multi-year for full bAV outsourcing. Distribution combines direct enterprise sales to HR, payroll, and management at mid-market companies with a channel motion via the Aventus Maklergruppe broker network, and the company is positioned by its own statements as one of the top 10 occupational pension specialists in Germany.

Name

Corporate Pension Partner

Legal name

Corporate Pension Partner CPP GmbH

Website

https://cppartner.de

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Corporate Pension Partner is a Hamburg-based insurance broker and full-service provider of occupational pension and employee benefits administration (bAV, bBU, bKV, Zeitwertkonten) targeting German Mittelstand companies, combining advisory, multi-carrier brokerage, and cloud-based digital administration.

Ownership category

akta.pro rank

Product category

Occupational Pension Administration and Employee Benefits Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Funds (525190)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

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

akta.pro secondary industries

Employee Benefits Brokerage & Consulting (FSAEADAC), Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Occupational pension administration
• Company health insurance brokerage
• Corporate benefits consulting
• Digital bAV platform
• Mittelstand employee benefits

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: CPP operates as an insurance broker (Makler gemäß § 34d Absatz 1 Gewerbeordnung) earning commissions on insurance products placed with insurance carriers for company pension schemes, health insurance, and occupational disability insurance.
2. Advisory and Consulting Services: Strategic consulting for companies on occupational pension design, compliance with BRSG regulations, pension ordinance creation, and ongoing advisory services for HR and management.
3. bAV Administration Services: Ongoing digital administration of company pension schemes including contract management, employee communication, document processing, and compliance documentation as part of full-service outsourcing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Corporate Pension Partner is an independent insurance broker and full-service provider of company-based employee benefits (betriebliche Vorsorge) for the German Mittelstand. The company places and administers occupational pensions (bAV), occupational disability insurance (bBU), company health insurance (bKV), and working-time accounts (Zeitwertkonten) on behalf of employer clients, and provides strategic consulting, compliance advisory, and ongoing digital administration through its cloud-based bAV portal.

Product overview

Corporate Pension Partner (CPP) is a specialized insurance broker and full-service provider for company-based employee benefits (betriebliche Vorsorge) in the German Mittelstand. The offering is organized as a platform of advisory and administration services built around a cloud-based digital bAV administration system (Digitale bAV-Verwaltung), supplemented by a suite of individual products and service modules. Core insurance products include Betriebliche Altersvorsorge (bAV — company pension/retirement savings), Betriebliche Berufsunfähigkeitsversicherung (bBU — occupational disability insurance), and Betriebliche Krankenversicherung (bKV — company health insurance). Supporting products include Zeitwertkonten (working-time accounts), Nachhaltige bAV (ESG-compliant green pension options), and Gesundheitsbudget (fixed annual health budget). Service modules span the full consulting lifecycle — Konzept (concept design), Kommunikation (employee communication), Beratung (advisory), and Begleitung (ongoing support) — plus specialized services for bAV outsourcing, data privacy compliance, Nachweisgesetz documentation, and the online bAV-Check self-assessment tool. The portfolio is delivered through the CPP employee and employer service portals, with integrations to third-party platforms for telemedicine (Medgate/BARMENIA), appointment scheduling (Calendly), and employee benefit cards (givve®/Mastercard®).

Differentiator

Problem solved

Functional benefit

Brands

• norfex®: Norddeutsche Finanz-Experten - A brand under CPP that provides financial consulting services for departing employees ('Faire Trennung').
• CPP Digital
• CPP bAV-Portal

Products and services

• Betriebliche Altersvorsorge (bAV) Core occupational pension product for employer-sponsored retirement savings, including Direktversicherung, Pensionskasse, Unterstützungskasse, and Pensionszusage. CPP administers contracts, advises employees, and ensures compliance with BRSG employer contribution obligations.
• Betriebliche Berufsunfähigkeitsversicherung (bBU) Occupational disability insurance protecting employees against loss of earning capacity due to illness or injury, brokered by CPP as part of the company benefit portfolio.
• Betriebliche Krankenversicherung (bKV) Supplementary company health insurance for employees including private outpatient and inpatient hospital treatment, offered as a flexible budget or modular add-on.
• Gesundheitsbudget (Company Health Budget) Annual fixed health budget per employee (e.g., €600) covering medical services not covered by statutory health insurance, including glasses, dental, massage, alternative medicine, and prevention. Includes telemedicine access via Medgate/BARMENIA. Employer cost: €22 per employee per month.
• Zeitwertkonten / Lebensarbeitszeitkonten (LAZ/ATZ) Working-time accounts (Zeitwertkonten) enabling employees to save portions of gross salary or overtime for later withdrawal as sabbatical, care leave, or early retirement, with tax/social-security-free accumulation. CPP provides concept, implementation, and administration.
• Digitale bAV-Verwaltung (CPP Digital) Cloud-based digital administration platform for company pension management, including a secure employer service portal and employee service portal (Mitarbeiter-Service-Portal) for document management, digital signatures, DSGVO compliance, and automated notifications, with TÜV-certified quality management processes.
• bAV Outsourcing Full or partial outsourcing of company pension administration to CPP, covering contract onboarding, ongoing management, offboarding, regulatory compliance (BRSG, Nachweisgesetz, DSGVO), and harmonization of pension landscapes, reducing HR workload and ensuring legal compliance.
• bAV-Service / Persönlicher Service Personal service module including assigned account managers, hotline support, and document handling for HR and payroll departments, part of the full-service bAV administration offering.
• Beratungsleistungen (Konzept, Kommunikation, Beratung, Begleitung) Four-part consulting service: Konzept (concept design for customized pension schemes), Kommunikation (employee communication and employer branding), Beratung (advisory sessions for management, HR, employees, payroll), and Begleitung (ongoing support through implementation and regulatory changes).
• bAV-Check Free online self-assessment tool evaluating a company's pension scheme across liability/labor law, service/digitalization, and attractiveness/competition, with 30 questions, instant result, and optional qualified report by email.
• Versorgungsordnung (Pension Policy Drafting) Development and drafting of a legal framework (Versorgungsordnung / pension policy / company agreement) defining benefit recipients, contribution levels, implementation channels, and provider selection for standardized and legally compliant company pension administration.
• Nachhaltige bAV / Grüne bAV (Sustainable Pensions) ESG-compliant pension product line offering sustainable/green investment options with INAF-certified sustainable finance advisors. Supports employer sustainability reporting and CSR/ESG disclosure under SFDR and EU taxonomy. Over 50% of new bAV entrants choose green investment products.
• Datenschutz in der bAV (Data Privacy Advisory) Data privacy advisory and management for bAV covering DSGVO compliance, consent management, employee information rights, data processing agreements (AVV), and documentation/reporting obligations, administered via the cloud-based CPP Service Portal.
• Nachweisgesetz-Beratung Advisory service ensuring compliance with the German Nachweisgesetz (Written Evidence Act) mandating written notification of employment conditions including bAV terms, with documentation, delivery, and record-keeping handled by CPP.

Quantifiable outcome

• Over 50% of new bAV entrants choose sustainable (green) investment options
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Allianz Lebensversicherung: Germany's largest life insurer and a major bAV provider (Direktversicherung, Pensionskasse). Sits on the carrier side of CPP's broker model but competes for the same employer mandates via captive products.
• HDI Lebensversicherung: Major German life insurer with a dedicated bAV product range including Direktversicherung and Unterstützungskasse solutions. Competes with CPP's placement options as a carrier partner and rival for employer mandates.
• Mercer Deutschland: Global benefits consulting leader with a strong German bAV practice. Competes with CPP on large enterprise and upper-Mittelstand pension advisory, albeit with broader international resources and a much larger product portfolio.
• Aon Germany: Global insurance and reinsurance broker with significant German employee benefits practice. Competes for Mittelstand and enterprise bAV/bBU/bKV mandates and offers comparable outsourcing and advisory services.
• Willis Towers Watson (WTW) Germany: Global advisory, broking, and solutions firm with a German occupational pensions and benefits practice. Comparable to CPP's advisory and outsourcing value proposition for mid-to-large German employers.

Regional players

• Versorgungswerk der deutschen Wirtschaft: German occupational pension provider focused on Mittelstand and industry-sponsored pension arrangements. Comparable to CPP in bAV design and administration for German employers, particularly in the consultancy and SME segments.

Direct peers

• Lurse Gruppe: German specialist bAV consulting and administration firm focused on occupational pensions for corporates and Mittelstand. Direct competitor to CPP in the bAV outsourcing, Versorgungsordnung drafting, and compliance advisory space.
• Funk Gruppe: Family-owned German insurance broker and risk consultant with strong employee benefits and bAV practice. Closely comparable independent Mittelstand-focused broker competing in similar bAV/bBU/bKV segments.
• MRH Trowe: German insurance broker specializing in Mittelstand and family-owned companies with dedicated bAV, bBU, and bKV advisory. Direct competitor in the same Mittelstand insurance brokerage niche as CPP.

Emerging players

• PensExpert: Digital bAV specialist focused on online pension advisory and administration for German SMEs. Competes with CPP's Digitale bAV-Verwaltung offering in the self-service and digitally-led bAV outsourcing niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/corporate-pension-partner-cpp-gmbh
• Xx.com/cppartner
• Facebookfacebook.com/cppartner.de

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

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 Corporate Pension Partner