Infraprev

Name

Infraprev

Legal name

Infraprev

Website

https://infraprev.org.br

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Complementary Pension Management

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Finance Services (6199)

akta.pro primary industry

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

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Eligibility, Enrollment & Benefits Administration (HLAEALAH)

Keywords

• Private pension plans
• Pension fund management
• Complementary pension
• Retirement savings
• Corporate pension benefits

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Administrative Management Fees: Revenue generated from management fees charged to pension plan participants and sponsoring companies. Fees support operational costs and fund administration services including investment management, benefit processing, and participant services.
2. Pension Contributions: Ongoing contributions from active participants (employees of sponsoring companies) and corporate sponsors, forming the investment pool that is managed to provide retirement benefits.
3. Cashback Partner Commissions: Revenue share from cashback partnerships with partner merchants, where a percentage of participant purchases returns as pension plan contributions.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Infraprev is a closed non-profit complementary pension entity (EFPC) that administers supplementary retirement plans for employees of sponsoring companies (primarily Infraero) and their families under a multipatrocínio (multi-sponsor) model. The entity manages four pension plans (Plano Família PAI I, Plano CV, Plano BD I, Plano BD II), a corporate pension solution (Sua EmpresaPrev), participant loan services, and a cashback platform, supported by the SmartPrev mobile app and the Autoatendimento digital portal.

Product overview

Infraprev is a closed pension fund entity (entidade fechada de previdência complementar) founded in 1982, administering supplementary pension plans primarily for Infraero employees and affiliated organizations. The company operates a multi-sponsor model (multipatrocínio) and manages four main pension plans: Plano Família PAI I (individual family plan), Plano CV (variable contribution plan), Plano BD I, and Plano BD II (defined benefit plans). The product portfolio centers on retirement savings and pension management, supplemented by loan services, investment reporting, and financial education programs. In 2022, the entity launched its cashback platform and virtual assistant 'Clara', followed by the SmartPrev mobile application in May 2026. The company also offers corporate pension solutions through Sua EmpresaPrev and maintains partnerships for additional beneficiary benefits including language courses. With approximately R$ 4 billion in assets under management and over 11,000 participants, the entity is regulated by PREVIC and operates under Brazilian supplementary pension legislation.

Differentiator

Problem solved

Functional benefit

Brands

• SmartPrev: Mobile application for participants to check balances, download payslips, and update registration information.

Quantifiable outcome

• Plano CV returned 1.20% in April 2026, outperforming INPC inflation index (0.81%) and savings accounts (0.67%)
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• GestnerminorImplementation/ SI/ Consulting Partner · 1 June 2026Gestner was contracted to conduct the 2026 participant satisfaction survey. Contact made via digital channels including email, SMS, and WhatsApp. Survey takes approximately 10-15 minutes and all responses are treated confidentially. No confidential data such as personal documents or bank passwords requested during the survey.
• Wizard (by Pearson)minorGTM or Marketing Partner · 1 March 2026Infraprev partnered with Wizard language school to offer exclusive discounts on language courses to beneficiaries. Benefits include 50% discount on enrollment and 15% off monthly fees for in-person courses; R$ 99 enrollment and 12x R$ 299 for Wizard On online courses. Participants access via voucher system through Pearson's Trademarketing Force platform.
• Vila Velha Insurance (Seguros)minorGTM or Marketing Partner · 1 March 2026Partnership with Vila Velha insurance for exclusive insurance products offered to Infraprev beneficiaries through the official portal.
• Instituto EthosminorStrategic or Co-development Partner · 1 November 2024Infraprev formalized adhesion to Instituto Ethos in November 2024, a reference organization in social responsibility and corporate sustainability. Participation includes involvement in the Integrity and Anti-Corruption Working Group.
• NAV BrasilcoreStrategic or Co-development Partner · 1 November 2022Approved by Previc in November 2022 as the ninth sponsoring company. NAV Brasil employees became eligible to join Infraprev pension benefit plans, representing a significant expansion of the multipatrocínio model.
• SINA (Sindicato Nacional dos Aeroportuários)coreChannel Partner/ Reseller/ Distributor · 1 January 2022National airport workers union signed adhesion agreement to Plano Família PAI I, enabling union members to join the family pension plan. Signed in March 2022, before regulatory changes that expanded the plan to include family members and institutor-linked individuals.
• ANAPI (Associação Nacional dos Aposentados e Pensionistas da Infraero)coreChannel Partner/ Reseller/ Distributor · 1 January 2022National association of retired Infraero employees signed adhesion agreement, granting association members the possibility to join Infraprev pension plans following regulatory changes approved by Previc in May 2022.
• Abrapp (Associação Brasileira das Entidades Fechadas de Previdência Complementar)coreStrategic or Co-development Partner · 1 January 2022Infraprev is an active member of Abrapp, participating in congresses, regional encounters, and collegiate boards. The institute presents success cases at Abrapp events and contributes to sector development through knowledge sharing.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Fachesf (Fundação Chesf de Assistência e Seguridade Social): Closed pension entity for Companhia Hidro Elétrica do São Francisco (Chesf) employees, operating under the same EFPC regulatory framework as Infraprev. Comparable single-sponsor closed pension fund administering multiple benefit plans with similar digital engagement initiatives.
• Previ (Caixa de Previdência dos Funcionários do Banco do Brasil): Brazil's largest closed pension entity (EFPC) serving Banco do Brasil employees. Directly comparable as a regulated EFPC administering multiple benefit plans (including BD and CV) for a single dominant corporate sponsor with multipatrocínio extensions. Operates at vastly larger scale (R$200B+ AUM) but follows the same regulatory and operational model as Infraprev.
• Valia (Fundação Vale do Rio Doce de Seguridade Social): Closed pension entity for Vale employees with multipatrocínio extending to affiliated companies. Operates BD and CV plans under Previc regulation with similar participant engagement programs. Comparable in terms of single dominant sponsor exposure and defined benefit liability management.
• Funcef (Fundação dos Economiários Federais): Closed pension entity for Caixa Econômica Federal employees operating as a multipatrocínio EFPC with multiple benefit plans. Comparable structure to Infraprev with similar regulatory framework, plan types (BD and CV), and digital transformation initiatives targeting participant experience.
• Postalis (Instituto de Previdência Complementar dos Correios): Closed pension entity for Correios (Brazilian postal service) employees operating as an EFPC under Previc regulation. Comparable single-dominant-sponsor model with defined benefit and defined contribution plans, facing similar challenges around public-sector sponsor funding stability.
• Sistel (Fundação Sistel de Seguridade Social): Multi-sponsor closed pension entity originally serving Telebrás system employees, now serving multiple telecommunications sponsors under multipatrocínio. Directly comparable EFPC structure with similar plan types and participant base in Brazilian infrastructure-adjacent sectors.
• Petros (Fundação Petrobras de Seguridade Social): Closed pension entity for Petrobras employees, administering defined benefit and defined contribution plans under Previc oversight. Comparable single-sponsor EFPC model with multipatrocínio to affiliated Petrobras group companies, facing similar aviation-to-oil-industry concentration dynamics and defined benefit funding challenges.
• Banesprev (Fundação Banerj de Seguridade Social): Closed pension entity serving Banco do Estado do Rio de Janeiro (Banerj) employees and affiliated sponsors. Comparable EFPC operating under the same Previc regulatory framework with defined benefit plan obligations and multipatrocínio model.
• Vivest (formerly Fundação CESP): Closed pension entity originally serving Companhia Energética de São Paulo (CESP) employees, now rebranded as Vivest and opened to multiple corporate sponsors. Highly comparable multipatrocínio evolution path and currently pursuing the same digital transformation and sponsor diversification strategy Infraprev is following.

Others

• Abrapp (Associação Brasileira das Entidades Fechadas de Previdência Complementar): Industry association representing Brazilian closed pension entities, of which Infraprev is an active member. Comparable as the sector ecosystem organization whose self-regulation seals and engagement awards (Selo de Autorregulação em Governança de Investimentos, Selo de Engajamento) signal industry standing to participants and sponsors.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/institutoinfraprev

Compliance1 record

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 Infraprev