CABEC - Caixa de Previdência Privada BEC

What CABEC - Caixa de Previdência Privada BEC does

CABEC – Caixa de Previdência Privada BEC is a closed private pension entity (Entidade Fechada de Previdência Complementar, EFPC) constituted as a non-profit civil society with administrative and financial autonomy, headquartered in Fortaleza, Ceará, Brazil. Founded in 1971, the entity originally operated under the sponsorship of Banco do Estado do Ceará S.A. (BEC) and administers the Plano BD, a defined-benefit supplementary pension plan covering current and former BEC employees. Its core offering combines pension benefit administration, participant loans, financial education content, and recurring communications (Informativos and the Relatório Anual de Informações, RAI). Participants interact with the entity primarily through the Portal do Participante web portal, plus WhatsApp, telephone, and email channels.

Technically, CABEC runs a digital infrastructure centered on its website (cabec.com.br) and an external participant portal (web-cabec.openprev.com.br) that delivers benefit statements, income tax documents, and pension calculation tools, supplemented by an 801-term educational glossary. It is supervised by PREVIC (Superintendência Nacional de Previdência Complementar) and affiliated with industry body ABRAPP and participant association ANAPAR.

The business model is not commercially driven: as a non-profit EFPC, CABEC is funded by participant and sponsor contributions that build reserves to pay future supplementary retirement, disability, and death benefits, with no external pricing or revenue disclosure. CABEC is currently in a structural transition — the sponsorship withdrawal (Retirada de Patrocínio) initiated by BEC is under PREVIC review, with a migration option offered through Bradesco Vida e Previdência as a potential destination for participants. The entity continues to operate and serve participants under a 6-employee administrative structure while the regulatory process is finalized.

Name

CABEC - Caixa de Previdência Privada BEC

Legal name

Caixa de Previdência Privada BEC

Website

https://cabec.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

CABEC is a non-profit closed private pension entity (EFPC) in Fortaleza, Brazil, founded in 1971, administering a defined-benefit supplementary pension plan for current and former employees of sponsor Banco do Estado do Ceará, currently undergoing a regulatory sponsorship withdrawal process under PREVIC supervision.

Ownership category

akta.pro rank

Product category

Occupational Supplementary Pension

NAICS

Continuing Care Retirement Communities (623311)

SIC

Life Insurance (6311)

akta.pro industry

PRIMARYHLADAEAA

Life Plan / Entrance-Fee CCRCs

Healthcare & Life Sciences/Elder Care & Long-Term Care/Continuing Care Retirement Communities (CCRC)

Keywords

• Closed pension fund
• Supplementary retirement benefits
• Defined benefit plan
• Pension fund administration
• Participant financial services

Headquarters

HQ city

Fortaleza

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Pension Plan Contributions: CABEC operates as a closed supplementary pension entity (EFPC) that collects contributions from plan participants (employees of Banco do Estado do Ceará) and potentially from the sponsor, building reserves to pay supplementary retirement benefits.

Distribution channels1 record

Marketing channels3 records

Core offering

CABEC is a closed private pension entity (EFPC) that administers the Plano BD (Defined Benefit Plan) providing supplementary retirement, disability, and death benefits to current and former employees of Banco do Estado do Ceará S.A. (BEC). It complements the Brazilian public pension system (INSS) through pooled contributions and reserve investment management. The entity also offers participant loans, educational content, and periodic newsletters/annual reports.

Product overview

CABEC – Caixa de Previdência Privada BEC operates as a closed private pension entity (EFPC) offering supplementary pension benefit plans, currently managing the Plano BD (Plano de Benefício Definido) sponsored by Banco do Estado do Ceará. The portfolio includes defined benefit pension plans, loan services for participants, financial education content, and periodic informational publications (Informativos). Participants access their accounts through the Portal do Participante, while annual accountability is maintained through the RAI (Relatório Anual de Informações) and regular Informativo newsletters. The entity is currently undergoing a sponsor withdrawal process (retirada de patrocínio) under PREVIC supervision.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano BD (Plano de Benefício Definido) Defined Benefit Plan offering supplementary pension benefits to participants sponsored by Banco do Estado do Ceará S.A. (BEC), covering retirement, disability, and death benefits complementary to INSS.
• Empréstimos (Loans) Loan products offered to plan participants as a financial benefit service under the pension plan.
• Portal do Participante Online participant portal providing access to individual account information, income tax statements, and plan management tools for CABEC participants and assistidos.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• PREVIC (Superintendência Nacional de Previdência Complementar)coreOthersPREVIC is the federal regulatory body responsible for approving, monitoring, and supervising closed supplementary pension entities (EFPCs) in Brazil. CABEC operates under PREVIC's supervision and regulatory framework.
• ABRAPP (Associação Brasileira das Entidades Fechadas de Previdência Complementar)coreOthersBrazilian Association of Closed Supplementary Pension Entities. ABRAPP represents and supports EFPCs in Brazil, providing industry standards, guidance, and professional development for pension fund professionals.
• ANAPAR (Associação Nacional dos Participantes dos Fundos de Pensão)minorOthersNational Association of Pension Fund Participants. ANAPAR represents the interests of pension fund participants and beneficiaries, providing advocacy and support services.
• Banco do Estado do Ceará S.A. (BEC)coreOthersThe original sponsor of CABEC's pension plan. The sponsorship withdrawal process is currently under analysis by PREVIC, representing a significant organizational transition.
• Bradesco Vida e PrevidênciaminorOthersAs part of the sponsorship withdrawal process, participants will be offered the option to migrate to Bradesco Vida e Previdência, preserving most current plan benefits except for benefit correction index which will change to IPCA.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• PETROS: PETROS is the closed pension fund for Petrobras employees, one of Brazil's largest EFPCs. It is directly comparable to CABEC as a single-sponsor closed private pension entity administering defined benefit plans to employees of a single major sponsor.
• VALIA: VALIA is the closed pension fund for Vale S.A. employees. It is directly comparable to CABEC as a Brazilian EFPC structured around a single corporate sponsor (a state bank in CABEC's case) administering supplementary retirement benefits to that sponsor's employees and retirees.
• Postalis: Postalis is the closed pension fund for Correios (Brazilian postal service) employees. It is directly comparable to CABEC as a single-sponsor EFPC administering defined benefit plans and currently undergoing its own significant restructuring and liability-management challenges under PREVIC.
• PREVI: PREVI is the largest Brazilian closed pension fund (EFPC), serving current and former employees of Banco do Brasil. It is directly comparable to CABEC as a single-sponsor closed supplementary pension entity administering defined benefit plans under PREVIC supervision.
• Centrus - Fundação Banco Central de Previdência Privada: Centrus is the closed pension fund for Banco Central do Brasil employees. It is directly comparable to CABEC as a single-sponsor closed EFPC administering supplementary pension benefits to employees of a Brazilian public institution.
• Real Grandeza Fundação de Previdência e Assistência Social: Real Grandeza is the closed pension entity serving Furnas/Eletrobras employees. It is directly comparable to CABEC as a single-sponsor Brazilian EFPC administering defined benefit plans to employees of a state-linked energy sector sponsor.
• FUNCEF: FUNCEF is the closed pension fund for Caixa Econômica Federal employees. It is directly comparable to CABEC as a single-sponsor closed EFPC (in this case for a major Brazilian state-owned bank) administering defined benefit pension obligations under PREVIC oversight.

Broad incumbents

• Bradesco Vida e Previdência: Bradesco Vida e Previdência is the life insurance and private pension subsidiary of Bradesco. It is comparable to CABEC as the designated migration option for CABEC participants in the sponsorship withdrawal process, and broadly comparable as a major open-market Brazilian pension and life insurance provider offering PGBL/VGBL products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/cabec-caixa-de-previd%C3%AAncia-privada-bec1

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CABEC - Caixa de Previdência Privada BEC