E & P Pension Management

What E & P Pension Management does

E & P Pensionsmanagement GmbH is a Hamburg-based, specialized consulting and implementation enterprise for occupational benefit solutions in Germany, operating since 1993 as a wholly-owned subsidiary of Hypoport SE (acquired March 2020). The company delivers a full-service offering built around its proprietary, ISO 27001:2013-certified ePension bAV-Full-Service-Portal, which enables paperless administration of corporate pension schemes (betriebliche Altersvorsorge/bAV) including contract lifecycle management, automated event processing, payroll synchronization via SOAP/CSV interfaces (including SAP), dynamic contribution updates, and real-time reporting. E&P operates as a licensed insurance broker (§34d GewO), financial broker (§34c GewO), and financial investment intermediary (§34f GewO), earning revenue through insurance brokerage commissions, professional advisory fees, and portal subscription services.

Beyond the core bAV platform, E&P has expanded into a portfolio of adjacent employee benefit products: Betriebliche Krankenversicherung (bKV) with health budgets starting at €14.50/month per employee, Betriebliche Berufsunfähigkeitsversicherung (bBU), Betriebliche Pflegeversicherung (bPV), employer-financed FirmenRente (via Deutsche Unterstützungskasse partnership), the Benefit & Care health budget solution, Corporate Benefits bundles (via Dr. Klein Privatkunden AG partnership), digital employee consultations, and international travel insurance. The go-to-market combines direct B2B consulting sales targeting employers, industry association channels (notably rente21 e.V. for the real estate sector), and a cooperation partner network of insurance brokers, tax consultants, and business consultants.

E&P serves a diverse customer base across German industries including enterprise accounts such as EDEKA (~353,000 employees, using a licensed version of the portal via EDEKA Versicherungsdienst) and multiple hospitals (Krankenhaus Düren, Klinikum Itzehoe, Rhein-Kreis Neuss Kliniken, Städtisches Krankenhaus Kiel), alongside mid-market manufacturers (Herbert Kluth, Kempchen Dichtungstechnik, LESER, Nehlsen, GEDORE, KAMAX) and other enterprises (freenet, Vital Aire). The company's reported client outcomes include 96% participation rates in salary conversion (LESER), 91.2% acceptance rates for corporate health insurance (Vital Aire), and participation increases from 8% to 80% (Nehlsen), demonstrating measurable impact on the core employer problem of low bAV uptake.

Name

E & P Pension Management

Legal name

E & P Pensionsmanagement GmbH

Website

https://eundp.de

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

German specialty consulting and implementation firm for occupational pension and employee benefits, offering an ISO 27001-certified digital administration portal (ePension) plus bAV, bKV, bBU, and bPV products to employers across retail, healthcare, manufacturing, and real estate. Wholly-owned subsidiary of Hypoport SE.

Ownership category

akta.pro rank

Product category

Corporate Pension Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120), Pension Funds (525110)

SIC

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

akta.pro primary industry

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

akta.pro secondary industries

Benefits Administration & Enrollment Support (BPAAAIAB), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Corporate pension administration
• Occupational benefits consulting
• Employee benefits management
• Digital pension platform
• Insurance brokerage services

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 Fees: E&P operates as a licensed insurance broker (Versicherungsmakler) and financial advisor (Finanzanlagenvermittler) earning commissions from insurance products placed for corporate clients.
2. Consulting and Advisory Services: Full-service consulting for corporate pension solutions including legal compliance, employee education, and ongoing administration support.
3. Portal/Subscription Services: Access to digital bAV administration portal for employer clients, with various service tiers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

E & P Pensionsmanagement GmbH is a Hamburg-based consulting and administration firm that delivers occupational benefits solutions (betriebliche Altersvorsorge / bAV, betriebliche Krankenversicherung / bKV, bBU, bPV) to German employers. The company provides end-to-end bAV advisory, compliance support, employee education, and ongoing digital contract administration through its proprietary ISO 27001:2013-certified ePension portal that connects HR, payroll, insurers, and service teams.

Product overview

E&P Pensionsmanagement GmbH offers a comprehensive suite of occupational benefits solutions built around its ISO 27001:2013-certified bAV-Full-Service-Portal (ePension). The core platform provides paperless digital administration of company pension schemes (Betriebliche Altersvorsorge/bAV), supplemented by related employee benefits including company health insurance (bKV), occupational disability insurance (bBU), company nursing care insurance (bPV), and employer-financed FirmenRente. The digital portal serves as the central hub connecting HR departments, payroll accounting, insurance providers, and employees, with interfaces to common payroll systems (SAP, SOAP, CSV). Additional offerings include Corporate Benefits programs, the Benefit & Care health budget solution, digital employee consultation services, and international travel insurance for expatriates and workations.

Differentiator

Problem solved

Functional benefit

Products and services

• bAV-Full-Service-Portal (ePension) ISO 27001:2013-certified digital full-service platform for paperless administration of corporate pension contracts, with event processing automation, automatic document generation and archiving, dynamic service management, payroll integration (SOAP/CSV/SAP), and synchronized data across HR, payroll, bAV service providers, and insurers.
• Betriebliche Altersvorsorge (bAV) Consulting & Administration Full-service bAV advisory and administration for employers, covering legal compliance, employee education, contract management, and digitization across implementation pathways such as Direktversicherung, Pensionskasse, and Unterstützungskasse.
• Betriebliche Krankenversicherung (bKV) Company health insurance offering employees access to private medicine, financial support for co-payments, a flexible health budget starting at €14.50 per month (€300–€1,500 annual budget), specialist appointment services, video consultation, and a health hotline.
• Betriebliche Berufsunfähigkeitsversicherung (bBU)

Quantifiable outcome

• Achieved 96% employee participation rate in salary conversion programs for 300+ employee client
• +3 more outcomes

Named customers13 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered strategic and minor.

• Deutsche Unterstützungskasse (DUK)strategicStrategic or Co-development Partner · 1 August 2023Partnership for 'FirmenRente' product - employer-financed corporate pension solutions using DUK's support fund structure with trustee concept from IWV Institute.
• Dr. Klein Privatkunden AGstrategicGTM or Marketing Partner · 7 October 2022Corporate Benefits partnership announced October 2022. Extends E&P offerings with Dr. Klein's financial services including mortgage loans, insurance, and personal loans for corporate benefit programs. Provides exclusive conditions for E&P corporate clients.
• HEY HEALTHminorStrategic or Co-development Partner · 1 January 2022Health promotion partnership providing on-site health events including foot pressure analysis, spine screening, blood tests, and health coaching for corporate wellness programs.
• rente21 e.V.strategicChannel Partner/ Reseller/ Distributor · 1 January 2021Exclusive consulting partner for rente21 industry association serving housing and real estate sector. Provides specialized pension schemes to member companies.

Scale indicators5 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Allianz: Germany's largest insurer and a dominant bAV product provider with corporate pension offerings (Allianz Pensionskasse, Direktversicherung). Competes indirectly with E&P as a vertically integrated carrier; E&P operates independent of carriers but Allianz controls underlying bAV product economics.
• Swiss Life (Germany / Select): Swiss insurer with German pension operations and a financial advisor distribution network (formerly AWD); competes with E&P as both an insurance product provider and through its affiliated broker network for bAV placements.
• Hypoport SE: Parent company and listed technology group; broader incumbent operating credit, real estate, and insurance technology platforms. Provides ecosystem, distribution, and capital infrastructure that E&P leverages and is benchmarked against for portfolio-level performance.

Direct peers

• Mercer: Global HR and benefits consulting firm (Marsh McLennan) with substantial German operations providing occupational pension advisory, actuarial services, and benefits administration to enterprise employers — directly competing with E&P for large German bAV mandates.
• Willis Towers Watson (WTW): Global advisory firm with strong German benefits/practice advising large employers on bAV design, governance, and administration; competes with E&P for enterprise retirement and health benefit consulting engagements.
• MLP SE: German financial advisory and brokerage group with a strong occupational pension (bAV) focus through its financial consultant network; competes with E&P in the German mid-market for employer-sponsored retirement and employee benefit advisory.
• Dr. Klein Privatkunden AG: German financial services distributor (part of Hypoport) specializing in mortgage, insurance, and personal finance products; partnered with E&P (Oct 2022) for corporate benefits, making it both a distribution ally and a competitor for embedded financial advisory to employer workforces.
• Aon Germany: Global insurance brokerage and HR consulting firm with German bAV advisory practice; competes head-to-head with E&P on employer pension consulting, particularly for multinational and large German corporates.
• BVV Versicherungsverein des Bankgewerbes a.G. German Pensionskasse and benefits provider specializing in industry-specific occupational pension schemes; comparable to E&P in administering employer-sponsored bAV programs, though as a carrier rather than an independent broker.

Emerging players

• Clark: Digital-first German insurance broker with a consumer/SMB app and growing B2B benefits offering; represents the emerging digital-broker model that could compete with E&P's traditional consulting-led approach, particularly for smaller employers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eundp

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 E & P Pension Management