EnergisaPrev
EnergisaPrev is a Brazilian non-profit closed pension entity (EFPC) that administers defined contribution plans, below-market loans, and insurance products for current and former employees of Grupo Energisa, a major electricity conglomerate serving 6 million consumer units across nine states.
- Company typePrivate
- Founded2004
- HeadquartersBragança Paulista, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingServices
What EnergisaPrev does
EnergisaPrev – Fundação Energisa de Previdência is a Brazilian non-profit closed pension entity (Entidade Fechada de Previdência Complementar, EFPC) headquartered in Bragança Paulista, São Paulo, and regulated by PREVIC. Originally founded in 2004 as RedePrev, the foundation was acquired by Grupo Energisa and rebranded to EnergisaPrev in September 2016. It administers defined contribution pension plans — primarily Plano Energisa and Plano Energisa Sudeste — for current and former employees of Grupo Energisa, a 111-year-old electricity conglomerate with 13 distribution utilities serving 6 million consumer units across 788 municipalities in nine Brazilian states. The entity also administers inherited plans from Funasa, Enersul, Cemat, Elétricas, Sergipe, MultiBRA, and Inergus, which it has progressively consolidated through regulatory-approved incorporations between 2018 and 2026.
The core product offering comprises pension plan administration with employer matching contributions of up to 7% of salary, an exclusive below-market loan program (interest rates of 0.5%-2.05% per month versus a 16% per month credit card market benchmark, with terms up to 120 months and payroll-deducted repayment), life and disability insurance, and a bundle of additional insurance products (auto, residential, travel, pet, bike, health, consórcio) distributed through an exclusive partnership with Vila Velha Corretora de Seguros and Porto Seguro as underwriter. The technology stack is a digital-first platform consisting of the Espaço Cliente (HomePrev) web portal and the EnergisaPrev Digital mobile application on iOS and Android, which supports loan contracting in four clicks, benefit simulations, and investment profile selection (Conservador vs. Moderado profiles launched November 2024). Complementary touchpoints include a podcast (EnergisaPrevCast, 49+ episodes), the Energise seu Bolso financial education platform, social media channels, and direct HR integration with Grupo Energisa.
EnergisaPrev's business model is non-profit and fee-based: revenue equivalents are generated from a 0.20% per month administrative fee and a 0.05% per month reserve fee on loans, plus net interest spread on the loan book. Distribution is anchored by Grupo Energisa's HR infrastructure and internal communication channels, with the foundation adding small adjacent sponsors (Gemini Energy S.A., Energisa Serviços Aéreos de Aeroinspeção S.A., Energisa Soluções em Construções de Linhas e Redes) between 2021 and 2022, and operating a B2B sub-brand (Prosperisa) for external pension consulting. The entity is led by Diretor-Presidente Lucas Nóbrega and has earned four consecutive years of Great Place to Work certification (2023-2026), the ABRAPP Engagement Seal, and the ICSS Governance Excellence Seal.
EnergisaPrev firmographics
Firmographics- Name
- EnergisaPrev
- Legal name
- EnergisaPrev – Fundação Energisa de Previdência
- Website
- https://energisaprev.com.br
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- EnergisaPrev is a Brazilian non-profit closed pension entity (EFPC) that administers defined contribution plans, below-market loans, and insurance products for current and former employees of Grupo Energisa, a major electricity conglomerate serving 6 million consumer units across nine states.
- Ownership category
- akta.pro rank
EnergisaPrev industry classification
Industry- Product category
- Supplementary Pension / Closed Pension Fund Management
- NAICS
- Pension Funds (525110), Pension Funds (52511), Other Insurance Funds (52519)
- SIC
- Life Insurance (6311), Investment Advice (6282)
- akta.pro primary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where EnergisaPrev is headquartered
LocationHeadquarters
- HQ city
- Bragança Paulista
- HQ country
- Brazil
- HQ region
- Latin America
Offices5 records
Markets served
EnergisaPrev business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Pension Plan Management Fees: EnergisaPrev charges an administrative fee on pension plan assets under management. The entity is a closed pension entity (EFPC) with a non-profit structure. Fee rates include 0.20% per month administrative fee and 0.05% per month reserve fee on loans, debited at credit release.
- Loan Products: Interest-bearing loans offered exclusively to pension plan participants. Loans are repaid via payroll deduction. Revenue generated through interest rates applied to loan principal (ranging from 0.5% to 2.05% per month).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Plano Energisa - Pré-fixado (fixed rate) |
| Transaction based/ take rate | Pay-as-you-go | Plano Energisa - Pós-fixado (floating rate) |
| Transaction based/ take rate | Pay-as-you-go | Plano Energisa Sudeste - Pré-fixado |
| Transaction based/ take rate | Pay-as-you-go | Plano Energisa Sudeste - Pós-fixado |
| Transaction based/ take rate | Pay-as-you-go | Loan interest comparison vs market |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
EnergisaPrev product offering
Product offeringCore offering
EnergisaPrev is a non-profit closed pension entity (EFPC) that administers defined contribution pension plans for active employees and retirees of Grupo Energisa, offering employer matching contributions up to 7% of salary, tax-advantaged retirement savings, and investment profile selection (Conservative and Moderate). The foundation supplements these plans with a participant-only loan program offering sub-market interest rates (0.5%-2.05% per month) repaid via payroll deduction, life and disability insurance, and a bundle of additional insurance products (auto, residential, travel, pet, bike) distributed through partner Vila Velha Corretora de Seguros with Porto Seguro underwriting.
Product overview
EnergisaPrev is a closed private pension entity (Fundação Energisa de Previdência) that administers pension and employee benefit plans for Energisa Group employees. The core offering consists of defined contribution pension plans (Plano Energisa and Plano Energisa Sudeste) with employer matching contributions up to 7%. The product portfolio extends beyond pensions to include an exclusive loan program with competitive rates, life and supplemental insurance products (life, auto, home, travel, pet), digital platforms (mobile app and web portal), financial education content, and governance channels (ombudsman and ethics hotline). The company operates primarily in Brazil, serving active employees and retirees of the Energisa Group across multiple states.
Differentiator
Problem solved
Functional benefit
Brands
- Plano Energisa: Main defined contribution pension plan sponsored by Grupo Energisa with employer matching up to 7% of salary.
- Plano Energisa Sudeste
- Prosperisa
- Energise seu Bolso
- EnergisaPrev Digital
- EnergisaPrevCast
Products and services
- Plano Energisa
Quantifiable outcome
- Employer matches 100% of participant contributions up to 7% of salary
- +2 more outcomes
Companies that use EnergisaPrev
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
EnergisaPrev technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
EnergisaPrev partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Vila Velha Corretora de SeguroscoreEnergisaPrev formed an exclusive partnership with Vila Velha Corretora de Seguros to offer a comprehensive range of insurance products to its participants. The partnership provides auto insurance, residential insurance, travel insurance, cell phone insurance, pet insurance, bike insurance, health plans, consórcio, and more. Porto Seguro serves as the underlying insurance provider. Customers report positive experiences with personalized service from consultants Caio Zaros and Carlos Zaros.
Scale indicators5 records
Recent moves7 records
Expansion highlights6 records
EnergisaPrev competitors and assessment
Company assessmentDirect peers
- Sistel (Fundação Sistel de Seguridade Social): Multi-sponsor closed pension fund serving employees of telecom companies (originally Telebrás system). Operates multiple benefit plans with consolidated legacy structures, directly comparable to EnergisaPrev's Plano Energisa and Plano Energisa Sudeste multi-plan administration.
- Vivest (Fundação de Seguridade Social): Closed pension fund originally for Volkswagen employees, now opened to multiple corporate sponsors. Comparable to EnergisaPrev as an EFPC administering employer-sponsored plans with digital participant services and investment profile options.
- Banesprev (Fundação de Seguridade Social dos Bancários e Economiários do Espírito Santo): Regional closed pension fund for banking sector employees in Espírito Santo. Comparable to EnergisaPrev as a smaller EFPC administering employer-sponsored plans with similar participant loan and benefit offerings.
- Valia (Fundação Vale do Rio Doce de Seguridade Social): Closed pension fund sponsored by Vale S.A., administering benefit plans for Vale employees and retirees. Comparable to EnergisaPrev as a corporate-sponsored EFPC managing participant assets, loans, and insurance benefits with digital service channels.
- Previ (Caixa de Previdência dos Funcionários do Banco do Brasil): One of the largest Brazilian closed pension funds (EFPC), serving Banco do Brasil employees and retirees. Operates defined contribution and defined benefit plans with similar participant services, loan programs, and investment management — a near-perfect structural analog to EnergisaPrev but at much larger scale.
- Centrus (Fundação Banco Central de Previdência Privada): Closed pension entity serving Banco Central do Brasil employees and retirees, administering defined contribution and defined benefit plans. Comparable regulatory framework and participant service model to EnergisaPrev.
- Petros (Fundação Petrobras de Seguridade Social): Closed pension fund for Petrobras employees, administering multiple benefit plans (PP-1, PP-2, PP-3, etc.) with active and retired participants across Brazil. Comparable to EnergisaPrev as a single-sponsor EFPC managing consolidated legacy plans and offering participant loans and benefits.
- Funcef (Fundação dos Economiários Federais): Closed pension entity for Caixa Econômica Federal employees, operating defined benefit and defined contribution plans with similar governance structures (Deliberative Council, Fiscal Council) and participant services. Direct comparable to EnergisaPrev in regulatory framework and operational model.
Broad incumbents
- Eletrobras Pension Funds (FAEC, REPE): Pension fund structures tied to Eletrobras and its distribution subsidiaries, administering plans for electricity sector workers — the same industry vertical as Grupo Energisa. Comparable in sector specificity (electricity distribution) and participant demographics to EnergisaPrev.
Others
- Abrapp (Associação Brasileira de Previdência Complementar): Industry association representing Brazilian closed pension funds. EnergisaPrev is an Abrapp member and has earned the Selo de Engajamento ABRAPP for four consecutive years, indicating direct engagement with the industry body that sets governance standards for EFPCs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
EnergisaPrev social profiles
Digital presenceEnergisaPrev compliance and trust
Trust signalCompliance6 records
EnergisaPrev financial estimates
Financial estimateRevenue estimate
Valuation estimate
EnergisaPrev leadership team
Management profileNumber of profiles
Profiles1 record
EnergisaPrev funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EnergisaPrev 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 EnergisaPrev
What does EnergisaPrev do?
EnergisaPrev is a non-profit closed pension entity (EFPC) that administers defined contribution pension plans for active employees and retirees of Grupo Energisa, offering employer matching contributions up to 7% of salary, tax-advantaged retirement savings, and investment profile selection (Conservative and Moderate). The foundation supplements these plans with a participant-only loan program offering sub-market interest rates (0.5%-2.05% per month) repaid via payroll deduction, life and disability insurance, and a bundle of additional insurance products (auto, residential, travel, pet, bike) distributed through partner Vila Velha Corretora de Seguros with Porto Seguro underwriting.
Is EnergisaPrev a public or private company?
EnergisaPrev is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was EnergisaPrev founded?
EnergisaPrev was founded in 2004. It employs 51 to 100 people.
Where is EnergisaPrev based?
EnergisaPrev is headquartered in Bragança Paulista, Brazil, in the Latin America region.
How does EnergisaPrev make money?
Two revenue lines are on record. Pension Plan Management Fees are the primary driver. The others are loan Products.
Who are EnergisaPrev's main competitors?
Direct peers on record are Sistel (Fundação Sistel de Seguridade Social), Vivest (Fundação de Seguridade Social), Banesprev (Fundação de Seguridade Social dos Bancários e Economiários do Espírito Santo), Valia (Fundação Vale do Rio Doce de Seguridade Social), Previ (Caixa de Previdência dos Funcionários do Banco do Brasil), Centrus (Fundação Banco Central de Previdência Privada), Petros (Fundação Petrobras de Seguridade Social) and Funcef (Fundação dos Economiários Federais). Eletrobras Pension Funds (FAEC, REPE) is listed as a broad incumbent. Abrapp (Associação Brasileira de Previdência Complementar) is listed as an others.
Does EnergisaPrev have an API?
No public API is recorded for EnergisaPrev.
What industry is EnergisaPrev in?
EnergisaPrev's product category is Supplementary Pension / Closed Pension Fund Management. Its primary akta.pro industry code is FSAEABAD, Retirement Income Planning & Decumulation Advisory. Its NAICS code is 525110 and its SIC code is 6311.