Stichting Pensioenfonds voor Personeelsdiensten

What Stichting Pensioenfonds voor Personeelsdiensten does

Stichting Pensioenfonds voor Personeelsdiensten (StiPP) is a Dutch sector pension fund foundation (stichting) headquartered in Zeist, Netherlands, mandated under the Wet Bpf 2000 to administer collective pension schemes for the temporary staffing and employee detachment industry. StiPP manages pension entitlements for nearly 1.5 million participants across two complementary schemes: the Basisregeling (Basic scheme, 2.60% employer-paid premium on gross hourly wage) and the Plusregeling (Plus scheme, age-scaled premium up to 26.5% of pension base, split 8% employer / 4% employee). The fund serves two primary participant segments — temporary agency workers (uitzendkrachten) and detached employees (gedetacheerden) — alongside the staffing and detachment employers that are statutorily obliged to remit premiums.

StiPP operates a digital pension administration platform built around PDO (Pensioen Digitaal Overzicht / PensioenDocumentatieOutput) file exchange for employer data submission, the Mijn StiPP Pensioen participant portal (secured via DigiD and eIDAS), and the Mijn Pensioenadministratie employer portal. Pension administration execution, benefit payments, and lifecycle-based investment implementation are outsourced to two core partners: PGGM (pension execution organization, in place since 1 January 2018) and Kempen Capital Management (KCM, investment policy execution across equities, bonds, real estate, and mortgages with ESG screening and proxy voting).

The fund's revenue mechanics are distinct from a commercial enterprise: StiPP is a non-profit foundation collecting mandatory monthly premiums that flow into participant pension capital, with operating expenses funded out of those flows. Administrative efficiency is a stated priority — StiPP reports the third-lowest per-participant cost among Dutch pension funds at €46 per year per active participant and pensioner. A policy coverage ratio (beleidsdekkingsgraad) of 113.9% at end-December 2025 indicates a well-funded solvency position relative to regulatory minimums. Distribution is entirely digital and direct: employers self-serve via the employer portal for PDO uploads and invoicing, while employees access statements and personal data through the consumer portal, supplemented by phone (030 277 56 90), email, and weekday live chat support. StiPP is governed by a tripartite board with representation from employer associations such as ABU and employee organizations, with no shareholders or parent ownership.

Name

Stichting Pensioenfonds voor Personeelsdiensten

Legal name

Stichting Pensioenfonds voor Personeelsdiensten

Website

https://stippensioen.nl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Stichting Pensioenfonds voor Personeelsdiensten (StiPP) is a Dutch mandatory sector pension fund administering Basis and Plus pension schemes for nearly 1.5 million temporary agency workers and detached employees, with administration executed by PGGM and investments managed by Kempen Capital Management.

Ownership category

akta.pro rank

Product category

Sector Pension Fund Management

NAICS

Pension Funds (525110)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

Keywords

• Sector pension fund
• Pension administration services
• Occupational pension scheme
• Staffing industry pensions
• Defined contribution pensions

Headquarters

HQ city

Zeist

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Premium Collection: Mandatory pension contributions collected from both employers and employees in the temporary staffing and detachment sector. Premiums are calculated based on pensionable salary and age-related contribution tables.

Pricing tiers

Distribution channels3 records

Marketing channels5 records

Core offering

Stichting Pensioenfonds voor Personeelsdiensten (StiPP) operates a mandatory sector pension fund for temporary agency workers and detached employees in the Dutch staffing industry. It administers two pension schemes — the Basisregeling (Basic) and Plusregeling (Plus) — collecting recurring premiums from staffing employers and employees, investing accumulated capital through a lifecycle-based strategy, and paying out lifetime retirement, survivor, and partner pensions to approximately 1.5 million participants.

Product overview

Stichting Pensioenfonds voor Personeelsdiensten (StiPP) operates a pension fund for temporary workers and contractors in the Dutch staffing industry. The product portfolio consists of two main digital portals (Mijn StiPP Pensioen for employees and Mijn Pensioenadministratie for employers), two pension schemes (Basisregeling and Plusregeling), and supporting tools including a PDO file upload system for employer data submission, pension calculation tools, live chat customer service, and automatic small pension transfer services. A major new regulation takes effect January 2026 introducing changes to the pension scheme structure.

Differentiator

Problem solved

Functional benefit

Products and services

• Mijn StiPP Pensioen (My StiPP Pension)

Quantifiable outcome

• Third lowest pension administration costs among Dutch pension funds
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• PGGMcoreStrategic or Co-development Partner · 1 January 2018PGGM is the pension execution organization handling StiPP's pension administration and benefit payments since January 1, 2018. They manage the pension administration for approximately 1.5 million participants and process monthly pension payments to retirees. PGGM is a pension execution organization serving multiple pension funds and their affiliated employers and employees.
• Kempen Capital Management (KCM)coreStrategic or Co-development PartnerKempen Capital Management executes StiPP's investment policy. They implement the lifecycle-based investment strategy and manage the investment portfolio across different asset classes including equities, bonds, real estate, and mortgages. KCM screens investments against ESG criteria and exercises voting rights on behalf of StiPP.

Scale indicators3 records

Recent moves10 records

Expansion highlights4 records

Direct peers

• Pensioenfonds Detailhandel: Mandatory Dutch sector pension fund for retail employees. Comparable to StiPP as a Wet Bpf 2000 sector fund with comparable participant scale, premium-based revenue model, and employer portal infrastructure.
• SPH (Stichting Pensioenfonds Huisartsen): Dutch sector pension fund for general practitioners. Comparable to StiPP as a Wet Bpf 2000 mandatory sector fund operating at smaller scale, sharing similar governance, premium, and digital portal structures.
• PMT (Pensioenfonds Metaal en Techniek): Sector pension fund for the metalworking and technical industries in the Netherlands. Closely comparable to StiPP as a Wet Bpf 2000 sector fund serving a specific Dutch industry vertical with mandatory participation and similar governance.
• Bpf Bouw (Pensioenfonds Bouw): Dutch sector pension fund for the construction industry. Direct peer operating under the same Wet Bpf 2000 mandatory framework as StiPP, with similar participant-facing portals and lifecycle investment structure.

Broad incumbents

• PFZW (Pensioenfonds Zorg en Welzijn): Dutch sector pension fund for healthcare and social work employees (~2.9M participants). Comparable as a mandatory Wet Bpf 2000 sector fund with similar participant scale, lifecycle investment approach, and PGGM/MN-style administration partnerships.
• ABP (Algemeen Burgerlijk Pensioenfonds): Largest Dutch sector pension fund for government and education employees (~3M participants). Directly comparable as a mandatory sector pension fund under Wet Bpf 2000 with similar lifecycle investment structures, though operating at much larger scale and in the public sector.

Others

• MN (MN Services): Pension administrator and service provider for Dutch sector funds including PMT and Bpf Bouw. Comparable as a peer administrator to PGGM and a potential alternative operational partner for sector pension funds like StiPP.
• Kempen Capital Management: Dutch investment manager executing StiPP's lifecycle-based investment policy and ESG-screened portfolio. Relevant as StiPP's investment execution partner and as a specialist fiduciary manager serving multiple Dutch pension funds.
• PGGM: Pension execution organization (administrator) for StiPP since 2018 and several other Dutch sector funds. Highly relevant as StiPP's outsourced operational backbone, providing participant administration, benefit payments, and reporting infrastructure.
• APG (Algemene Pensioen Groep): Largest Dutch pension administrator, providing execution services for ABP and other major sector funds. Comparable as an alternative pension administrator/partner to PGGM, illustrating the competitive landscape for StiPP's outsourced operations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/37845728

Compliance6 records

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 Stichting Pensioenfonds voor Personeelsdiensten