Groupement d’Intérêt Public Union Retraite

What Groupement d’Intérêt Public Union Retraite does

Groupement d'Intérêt Public Union Retraite operates the Info Retraite portal (info-retraite.fr), the official French government platform that delivers centralized retirement information and administrative services to all French residents. The portal aggregates data from approximately 35 French retirement regimes — including private sector schemes (CNAV/Assurance retraite, Agirc-Arrco), civil service schemes (SRE, CNRACL, FSPOEIE, RAFP), agricultural (MSA), professional regimes (CARMF, CAVP, CARPV, CARCDSF, CARPIMKO, CAVEC, CAVAMAC, CNBF, CPRN, CIPAV, CAVOM), special regimes (CPRPSNCF, CRP RATP, CNIEG, CROPERA, ENIM, CRPCEN), and artists-authors (IRCEC) — into a single unified interface that provides personalized retirement simulations, career verification, online retirement applications, and supplementary savings tracking.

The technical architecture consists of a public information portal and an authenticated services portal, with secure access enabled through FranceConnect, the French state's single sign-on solution. Core product modules include Mon Compte Retraite (personal pension account), Mon Estimation Retraite (pension estimation service), career verification tools, retirement age simulators (legal retirement age and long-career early retirement), and a supplementary retirement savings tracker (Mon épargne retraite). The system is accessible via web and a dedicated mobile application, and is available in French and English. Accessibility features include a dyslexic typography mode, adjustable text size, and dark mode; the site is currently classified as "Partiellement conforme" on accessibility.

As a Groupement d'Intérêt Public (GIP), the entity is a French public interest group jointly controlled by member pension regimes and government bodies rather than private shareholders. It does not generate commercial revenue; services are provided free of charge to users, with operating costs funded through contributions from its member regimes and government partners under France's statutory right to pension information.

Name

Groupement d’Intérêt Public Union Retraite

Legal name

Groupement d'Intérêt Public Union Retraite

Website

https://info-retraite.fr

Company type

Public

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Groupement d'Intérêt Public Union Retraite operates the official Info Retraite portal, providing French residents with centralized retirement information, simulations, career verification, and administrative services across approximately 35 pension regimes.

Ownership category

akta.pro rank

Product category

Public Retirement Information Services

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120)

SIC

Life Insurance (6311), Finance Services (6199)

akta.pro primary industry

Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN)

akta.pro secondary industries

Group Life Administration/Enrollment Platforms (TPA & Benefits Admin) (FSAIADAJ), Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Public pension information
• Retirement simulation services
• Government pension portal
• Career verification services
• Retirement savings tracking

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Public Service Funding: Info Retraite operates as a Groupement d'Intérêt Public (GIP) providing free public information services to French citizens. The organization is funded through public contributions from its member pension regimes and government bodies. No direct revenue is generated from users; services are provided free of charge as part of France's right to pension information framework.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Groupement d'Intérêt Public Union Retraite operates the Info Retraite portal, a French public service platform that centralizes retirement information, simulations, and administrative procedures across all French pension regimes. It provides a unified personal account (Mon Compte Retraite), retirement estimation tools, career verification, supplementary savings tracking, and online retirement applications for all French residents at no cost.

Product overview

Info Retraite is a unified government portal operated by Groupement d'Intérêt Public Union Retraite that consolidates information from all French pension regimes. The platform provides a central Hub (Info Retraite Portal) with authenticated services through Mon Compte Retraite, enabling users to access pension estimation (Mon Estimation Retraite), verify career history, simulate retirement ages, manage supplementary savings, and complete retirement procedures. The ecosystem covers all professional categories including private sector employees, civil servants, agricultural workers, self-employed professionals, and special regime workers.

Differentiator

Problem solved

Functional benefit

Products and services

• Info Retraite Portal Official French government portal providing personalized retirement information, simulators, and guidance across all French pension regimes for private sector employees, civil servants, self-employed, and other professional categories. Free public service accessible to all French residents.
• Mon Compte Retraite (Personal Pension Account) Secure personal account providing access to personalized retirement information based on user's specific pension schemes, with services including career verification, retirement simulations, and online administrative procedures including retirement applications and career corrections. Authentication via FranceConnect or direct login.
• Mon Estimation Retraite (Pension Estimation Service) Personalized retirement simulation tool that calculates estimated pension amounts at various ages based on the user's career history across all French pension regimes.
• Simulateur d'âge légal de départ (Legal Retirement Age Simulator) Interactive simulator that calculates the legal retirement age based on birth year and displays required quarters for full-rate pension.
• Simulateur de départ anticipé pour carrière longue (Long Career Early Retirement Simulator) Simulator for determining eligibility and age for early retirement based on long career (starting work before age 21).
• Mon épargne retraite (Retirement Savings Service) Online service displaying user's supplementary retirement savings contracts, including contract holders, managing organizations, and estimated contract values.
• Vérifier ma carrière (Career Verification Service) Tool allowing users to verify and review their complete career history across all pension regimes to identify potential gaps or missing periods.
• Plan d'Épargne Retraite (PER) Collective and individual retirement savings plan introduced October 2019, replacing older products (PERP, Madelin, Perco, Article 83). Allows tax-advantaged retirement savings with transfer options.

Quantifiable outcome

• Provides services for all French retirement regimes (35+) including private sector, civil service, agricultural, professional, special regimes, and artists/authors

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

28 partnerships are on record, tiered core.

• CNAV (Caisse Nationale d'Assurance Vieillesse) - Assurance RetraitecoreOthersCNAV operates the base pension scheme for private sector employees (Assurance retraite), one of the core regimes covered by Info Retraite's centralized information services.
• Agirc-ArrcocoreOthersAgirc-Arrco manages the complementary pension scheme for private sector employees, integrated into Info Retraite's unified information platform.
• SRE (Service des Retraites de l'État)coreOthersSRE manages pensions for state civil servants, magistrates, and military personnel, providing retirement information through Info Retraite.
• CNRACL (Caisse Nationale de Retraites des Agents des Collectivités Locales)coreOthersCNRACL manages pensions for territorial and hospital civil servants, integrated into Info Retraite's platform.
• MSA (Mutualité Sociale Agricole)coreOthersMSA manages base and complementary pensions for agricultural sector workers and farmers, integrated into Info Retraite's information services.
• IrcanteccoreOthersIrcantec manages complementary pensions for public contract workers and local elected officials, covered by Info Retraite's unified platform.
• CARMF (Caisse Autonome de Retraite des Médecins de France)coreOthersCARMF manages pensions for liberal doctors, integrated into Info Retraite's professional regime coverage.
• CAVP (Caisse d'Assurance Vieillesse des Pharmaciens)coreOthersCAVP manages pensions for liberal pharmacists, included in Info Retraite's professional regime information services.
• CARPV (Caisse Autonome de Retraite des Vétérinaires)coreOthersCARPV manages pensions for liberal veterinarians, covered by Info Retraite's professional regime platform.
• CARCDSF (Caisse Autonome de Retraite des Chirurgiens-Dentistes et Sages-Femmes)coreOthersCARCDSF manages pensions for liberal dentists and midwives, integrated into Info Retraite's platform.
• CARPIMKO (Caisse d'Assurance Vieillesse des Auxiliaires Médicaux)coreOthersCARPIMKO manages pensions for liberal medical auxiliaries, included in Info Retraite's professional regime coverage.
• CAVEC (Caisse d'Assurance Vieillesse des Experts-Comptables)coreOthersCAVEC manages pensions for accountants and statutory auditors, covered by Info Retraite.
• CAVAMAC (Caisse d'Assurance Vieillesse des Agents Général d'Assurances)coreOthersCAVAMAC manages pensions for general insurance agents, integrated into Info Retraite's professional regime services.
• CNBF (Caisse Nationale des Barreaux Français)coreOthersCNBF manages pensions for lawyers, covered by Info Retraite's professional regime platform.
• CPRN/CPRPF (Caisse de Prévoyance et de Retraite du Notariat)coreOthersCPRN/CPRPF manages pensions for notaries, integrated into Info Retraite's unified information services.
• CIPAV (Caisse Interprofessionnelle de Prévoyance et d'Assurance Vieillesse)coreOthersCIPAV manages pensions for various liberal professions (architects, engineers, etc.), covered by Info Retraite.
• CRPCEN (Caisse de Retraite et de Prévoyance des Clercs et Employés de Notaires)coreOthersCRPCEN manages special pensions for notaries' clerks and employees, integrated into Info Retraite's special regime coverage.
• CPRPSNCF/CPRPF (Caisse de Retraite du Personnel de la SNCF)coreOthersCPRPSNCF/CPRPF manages special pensions for railway employees, covered by Info Retraite's special regime services.
• CRP RATP (Caisse de Retraite du Personnel de la RATP)coreOthersCRP RATP manages special pensions for RATP employees, integrated into Info Retraite's special regime platform.
• CNIEG (Caisse Nationale des Industries Électriques et Gazières)coreOthersCNIEG manages special pensions for electricity and gas industry workers, covered by Info Retraite.
• CROPERA (Caisse de Retraite du Personnel de l'Opéra national de Paris)coreOthersCROPERA manages special pensions for Paris Opera personnel, integrated into Info Retraite's special regime coverage.
• ENIM (Établissement National des Invalides de la Marine)coreOthersENIM manages maritime sector pensions, covered by Info Retraite's special regime platform.
• IRCEC (Institution de Retraite Complémentaire des Employés et Agents de Banque)coreOthersIRCEC manages complementary pensions for artists and authors (RAAP, RACD, RACL schemes), integrated into Info Retraite.
• CAVOM (Caisse d'Assurance Vieillesse des Officiers Ministériels)coreOthersCAVOM manages pensions for ministerial officers and auctioneers, covered by Info Retraite.
• CAVIMAC (Caisse d'Assurance Vieillesse des Cultes)coreOthersCAVIMAC manages pensions for religious personnel (cult regime), integrated into Info Retraite's special regime services.
• RAFP (Retraite Additionnelle de la Fonction Publique)coreOthersRAFP manages additional points-based pensions for civil servants (since 2005), integrated into Info Retraite's civil service coverage.
• FSPOEIE (Fonds Special des Ouvriers des Établissements Industriels de l'État)coreOthersFSPOEIE manages pensions for workers at public industrial establishments, covered by Info Retraite.
• FranceConnectcoreTechnology or IntegrationFranceConnect is a government authentication solution enabling secure access to Info Retraite services through existing government credentials (Impots, Ameli, La Poste, etc.).

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• MSA (Mutualité Sociale Agricole): Manages base and complementary pensions for French agricultural workers and is a core data partner of Info Retraite. Both serve French residents on retirement rights, career data, and scheme-specific information for overlapping populations.
• Agirc-Arrco: Manages the complementary pension scheme for private sector employees in France and is integrated into Info Retraite's unified platform. Both provide retirement information, account access, and pension calculations to overlapping populations.
• CNAV / Assurance Retraite: Operates the base pension scheme for private sector employees in France and is a core data partner of Info Retraite. Both serve French residents on retirement rights, simulations, and procedures, with overlapping user-facing pension services.

Broad incumbents

• Service-Public.fr: The central French government portal aggregating administrative procedures across many domains. It is a broader incumbent with comparable public-service information architecture and FranceConnect integration, but covers many topics beyond retirement.
• Ameli (Assurance Maladie): France's national health insurance portal offering personalized accounts and administrative services via FranceConnect. It is a comparable French public-sector digital platform with similar authentication and self-service patterns.
• Impots.gouv.fr: France's national tax portal providing authenticated personal accounts and procedure management. It is a comparable public-sector digital platform with similar scale, FranceConnect integration, and self-service account workflows.

Emerging players

• Mes-Aides.gouv.fr: French government platform that simulates eligibility across multiple social benefits. It shares Info Retraite's aggregator model, multi-regime data integration, and simulator-centric user experience, but focuses on social benefits rather than pensions.
• PensionBee: UK-based pension consolidation and management platform offering personalized pension dashboards and retirement projections. It is comparable to Info Retraite in providing unified pension information and projection tools, but as a private-sector consumer product rather than a public service.
• Empower (formerly Personal Capital): US-based retirement and wealth management platform offering retirement planning tools, account aggregation, and projection calculators. It is comparable in providing unified retirement dashboards and simulation tools, but as a private-sector product serving US users.

Regional players

• GOV.UK: The UK government's main public services portal, providing centralized information across many administrative domains including pensions and benefits. It is comparable in operating model and citizen-facing information architecture, but serves a different national jurisdiction.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/union-retraite

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Groupement d’Intérêt Public Union Retraite