Stiftung Auffangeinrichtung BVG

What Stiftung Auffangeinrichtung BVG does

Stiftung Auffangeinrichtung BVG is a Swiss foundation established in 1983 by the federal government to operate as the Substitute Occupational Benefit Institution (Auffangeinrichtung) under Switzerland's BVG/LPP second pillar occupational pension system. Headquartered in Zurich with an additional office in Bellinzona, the foundation serves as the federally mandated safety net that ensures every employer subject to BVG/LPP and every employee under Swiss jurisdiction is covered by mandatory occupational pension insurance, even when private pension fund affiliation is unavailable or has lapsed. The foundation administers coverage for over 1.6 million people in Switzerland and operates the WAK reinstatement control process that proactively identifies non-affiliated employers and compels enrollment through legal mandate.

The foundation's product portfolio centers on the AN Plan, the basic mandatory BVG/LPP insurance product with statutory coordination deduction and salary thresholds, and AN Plus, an enhanced plan offering no coordination deduction, lower entry thresholds (CHF 2,500), and super-mandatory coverage up to CHF 90,720. Adjacent products include FZK vested benefits accounts for unclaimed pension assets, LOB occupational benefits plans for voluntary individual coverage, and the BVG Exchange, a secure inter-institutional payment validation platform serving other occupational benefits institutions. Technology delivery occurs through the my.aeis.ch employer portal, web forms at forms.aeis.ch, an online services platform for individuals, and a public-facing pension calculator.

The business model is non-commercial and mandate-driven: the foundation collects and manages occupational pension contributions financed jointly by employers and employees under statutory parameters, rather than operating on discretionary pricing or competitive acquisition. Revenue derives from administrative fee loadings on contribution flows and asset-based charges on operational reserves, with no disclosed figures. Distribution relies on direct digital channels, the employer portal, regulatory referral through the WAK reinstatement control function, and a call service for consultation. The foundation employs approximately 139-200+ staff across specialist functions in interdisciplinary teams.

Name

Stiftung Auffangeinrichtung BVG

Legal name

Stiftung Auffangeinrichtung BVG

Website

https://aeis.ch

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

101–250 employees

Short description

Stiftung Auffangeinrichtung BVG is a Swiss federally mandated foundation that serves as the statutory substitute occupational benefit institution under BVG/LPP, administering mandatory pension coverage for over 1.6 million people and operating the WAK reinstatement control process.

Ownership category

akta.pro rank

Headquarters

HQ city

Zürich, Schweiz

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Occupational pension contributions: As a statutory substitute occupational benefit institution, the foundation collects and manages pension contributions financed jointly by employers and employees. These contributions accumulate retirement savings capital and fund disability and death benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Stiftung Auffangeinrichtung BVG is Switzerland's federally mandated Substitute Occupational Benefit Institution, providing mandatory second pillar (BVG/LPP) pension insurance to employers and employees who lack coverage through private pension funds. Its core offerings include the AN Plan (statutory mandatory insurance) and AN Plus (an enhanced plan with no coordination deduction, lower entry thresholds, and full salary coverage), plus vested benefits (FZK) and voluntary occupational benefits (LOB) accounts for individuals. The foundation also operates the BVG Exchange platform, an inter-infrastructure service for payment validation used by other occupational benefits institutions.

Product overview

Stiftung Auffangeinrichtung BVG operates as Switzerland's Substitute Occupational Benefit Institution, offering a unified portfolio of pension and benefits management solutions. The core offering includes the AN Plan (mandatory BVG/LPP insurance) as the foundational product, supplemented by the enhanced AN Plus Plan with improved benefits and lower entry thresholds. The platform provides specialized accounts for vested benefits (FZK), occupational benefits plans (LOB), and the BVG Exchange for inter-institutional data exchange. Digital access is delivered through the Employer Portal and Online Services platform, with a Pension Calculator tool for benefit projections. All services are delivered through a multi-channel approach supporting individuals, employers, and institutional stakeholders.

Differentiator

Problem solved

Functional benefit

Brands

• AN Plus: Enhanced pension plan with improved BVG benefits, including lower entry threshold, no coordination deduction, and higher insurance coverage.
• AN Plan
• BVG Exchange

Products and services

• AN Plan (BVG/LPP Mandatory Insurance)

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Federal Social Insurance Office (BSV/OFAP)coreOthersThe institution operates on behalf of the Swiss federal government to fill gaps in the second pillar occupational benefits system. The Federal Social Insurance Office (Bundesamt für Sozialversicherungen / Office fédéral des assurances sociales) provides regulatory oversight and standard-setting for BVG/LPP mandatory insurance.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• PUBLICA: The largest pension fund in Switzerland, serving employees of the Swiss Confederation and federal entities. Operates under federal oversight in the same BVG/LPP occupational pension ecosystem as AEIS, though focused on affiliated federal employers rather than safety-net affiliation.
• Nest Sammelstiftung: Swiss pension collective foundation offering employer-affiliated occupational pension plans. Direct overlap with AEIS in serving Swiss employers seeking voluntary BVG/LPP coverage with differentiated plan design.
• Avenir Pensions: Swiss pension collective foundation providing occupational benefit plans to multiple employers across Switzerland. Competes for the same AN Plus voluntary affiliations with customizable plan architectures.
• Swiss Life: Switzerland's largest life insurer and a leading provider of BVG/LPP occupational pension solutions. Operates group insurance and full-insurance occupational pension products that compete for the voluntary and mandatory employer affiliations AEIS also serves.
• Allianz Suisse: Major Swiss occupational pension provider offering group life and BVG/LPP solutions across employers. Competes for the same Swiss employer mandate AEIS fulfills, particularly in voluntary and full-insurance occupational benefits.
• Helvetica Versicherungen: Swiss occupational pension insurer offering BVG/LPP solutions and broader life and health products. Serves employers in the same Swiss occupational pension market where AEIS operates as the statutory substitute.
• Avadis: Swiss collective pension foundation (Sammelstiftung) providing occupational pension plans for multiple employers. Offers broader investment choice and flexible plan structures that compete with AEIS's AN Plus offering for voluntary affiliations.
• CPEG: Cantonal pension fund for State of Geneva employees, one of Switzerland's largest public-law occupational pension institutions. Comparable in scale and statutory operation to AEIS, though serving a specific cantonal mandate rather than nationwide substitute affiliations.
• Pensionskasse SBB: Major Swiss single-employer pension fund for Swiss Federal Railways employees. Operates at scale in BVG/LPP occupational pension administration comparable to AEIS's operational footprint, but within a single affiliated employer rather than open affiliation.

Direct peers

• Compenswiss: Swiss federal compensation fund operating under public law to administer OASI/DI/EG compensation funds. Like AEIS, it is a quasi-governmental institution managing mandatory pension-related financial flows in Switzerland under federal oversight.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/stiftung-auffangeinrichtung-bvg

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Stiftung Auffangeinrichtung BVG