What Ircom Agirc-Arrco does

Ircom Agirc-Arrco (Institution de Retraite Interprofessionnelle de Retraites Complémentaires de la Martinique) is a government-mandated complementary pension institution headquartered in Fort-de-France, Martinique. Authorized by ministerial arrêté on 15 February 1994 and affiliated with the national Agirc-Arrco federation (authorization no. 800), it manages mandatory supplementary retirement pensions for private sector employees across Martinique, serving approximately 9,150 contributing employers and 28,500 retirees (allocataires). The institution operates under paritarian governance with a 14-member bipartite board equally split between employer and employee representatives, and is regulated by the Code de la Sécurité sociale.

The institution's core product is pension point management and monthly pension disbursement, supported by a digital infrastructure comprising Cotizen (online employer contribution payment platform), DéclaR'Zen (DADS declaration service), M@rel (retirement simulation tool), and the Mon Compte Retraite mobile application. The technology backbone leverages the national DSN (Déclaration Sociale Nominative) portal and Net-entreprises infrastructure for standardized social data exchange with employers. Beyond retirement administration, Ircom administers social action programs — including individual financial aid, collective activities, and support for people in difficulty, those experiencing loss of autonomy, and family caregivers — delivered partly through five local home care service partners.

Revenue is generated entirely through mandatory pension contributions split 60% employer / 40% employee, with contribution rates and pension point values set by the Agirc-Arrco federation. The institution charges no direct fees to users; its services including Cotizen are free. No revenue figures are publicly disclosed. Customer acquisition is automatic via DSN social declarations rather than sales-driven, reflecting its regulatory monopoly status within Martinique (excluding BTP).

Name

Ircom Agirc-Arrco

Legal name

Ircom Agirc-Arrco (Institution de Retraite Interprofessionnelle de Retraites Complémentaires de la Martinique)

Website

https://ircom-agirc-arrco.fr

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Ircom Agirc-Arrco is a government-mandated complementary pension institution in Martinique that manages mandatory retirement contributions and pensions for 9,150 private sector employers and 28,500 retirees under the Agirc-Arrco federation framework.

Ownership category

akta.pro rank

Headquarters

HQ city

Fort-de-France

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions (Cotisations): Ircom Agirc-Arrco collects mandatory pension contributions from private sector employers and employees in Martinique. Contributions are split 60% employer / 40% employee. These contributions fund the complementary retirement pension system.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Ircom Agirc-Arrco is the interprofessional institution that manages mandatory complementary retirement pensions for private sector employees of Martinique, collecting employer/employee contributions and paying monthly pensions to retirees. It also provides related digital services including online contribution payment (Cotizen), retirement simulation (M@rel), DADS declarations (DéclaR'Zen), and a retiree mobile application, alongside social action programs for vulnerable individuals and caregivers.

Product overview

Ircom Agirc-Arrco is a complementary retirement institution managing mandatory pension coverage for private sector employees in Martinique. The core offering is retirement point management and pension payment services, supported by digital platforms including COTIZEN for online business contributions, DéclaR'Zen for DADS declarations, and M@rel for retirement simulation. The institution also provides social action programs including financial aid for vulnerable individuals and collective activities for retirees.

Differentiator

Problem solved

Functional benefit

Products and services

• Ircom Agirc-Arrco Retirement Management Core pension management service for private sector employees in Martinique, handling complementary retirement point accumulation, monthly pension payments to retirees, reversion pensions for surviving spouses, and career record management.
• Cotizen Online payment platform developed in partnership with AGIRC ARRCO that enables companies and accountants in Martinique to pay complementary pension contributions via credit card or SEPA direct debit, free of charge.
• M@rel Retirement Simulator Retirement simulation tool accessible via the Agirc-Arrco personal space, enabling insured individuals to estimate their future complementary pension amounts based on their income and career data.
• Mon Compte Retraite Mobile Application Mobile application for retirees and future retirees to view career history, download retirement requests, access pension statements and tax attestations, and manage personal situation changes.
• DéclaR'Zen Online DADS declaration service enabling businesses to submit social declarations to Agirc-Arrco outside the DSN system.

Quantifiable outcome

• 9,150 entreprises cotisantes accompagnées
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Five partnerships are on record, tiered flagship, core and minor.

• CGSS de la Martinique (Caisse Générale de Sécurité Sociale)flagshipStrategic or Co-development Partner · 1 January 2020Ircom Agirc-Arrco and CGSS Martinique partnered for the national 'Rendez-vous de la Retraite' events, allowing citizens to get career reviews with both complementary pension and basic social security expertise. This partnership enabled serving over 30,000 people nationwide in 2020.
• Agirc-Arrco (Fédération)coreStrategic or Co-development PartnerIrcom Agirc-Arrco is affiliated to the Agirc-Arrco federation, the national Association for Complementary Retirement of Employees. The federation sets contribution rates, pension point values, and regulatory frameworks that Ircom implements locally in Martinique. Ircom operates under federation authorization number 800 and follows federation decisions and financial regulations.
• AG2R LA MONDIALEcoreTechnology or IntegrationAG2R LA MONDIALE hosts the Ircom Agirc-Arrco website and provides IT infrastructure services. Additionally, AG2R LA MONDIALE partnered with Ircom for DSN declaration services and handles previous AGIRC contributions for Martinique (pre-2019).
• CNAV (Caisse Nationale d'Assurance Vieillesse)coreOthersCNAV operates the RNCPS (Répertoire National Commun de la Protection Sociale) database that Ircom contributes to as a social benefits provider. Allocataires have data access/rectification rights through CNAV.
• Service à la personne partners (AGAF, ASEP, JC SERVICES/THALYA, TM3 SERVICES, VIVRADOM SERVICES)minorChannel Partner/ Reseller/ DistributorFive local home care service providers in Martinique (Rivière Pilote, Marin, Lamentin, Le François, Fort de France) are authorized partners for delivering social action services funded by Ircom, including home help and quality of life support for elderly and dependent individuals.

Scale indicators3 records

Recent moves9 records

Expansion highlights4 records

Broad incumbents

• Fédération Agirc-Arrco: National umbrella federation that authorizes Ircom (no. 800) and sets all contribution rates, point values, and regulatory frameworks. Operates broadly across all French complementary pension institutions rather than competing with any single one.

Direct peers

• AG2R LA MONDIALE: French complementary retirement and prévoyance institution; hosts Ircom's IT infrastructure and handles pre-2019 ARRCO contributions for Martinique. Operates the same paritarian pension model across multiple regions/sectors.
• IRCEM: French complementary retirement institution for employees of individual employers (particuliers employeurs). Operates under Agirc-Arrco federation with identical point-based pension model.
• Pro BTP: French complementary pension and prévoyance institution for the BTP (construction) sector. Operates under the same Agirc-Arrco federation framework, sharing governance and digital infrastructure patterns with Ircom.
• Klesia: French paritarian group managing Agirc-Arrco complementary retirement for enterprises across multiple sectors. Same business model, federation affiliation, and regulatory oversight framework as Ircom.
• Audiens: French complementary pension, prévoyance and health institution for culture and communication sector employees. Agirc-Arrco-affiliated with the same paritarian governance structure as Ircom.
• AGRICA: French paritarian complementary retirement institution for agricultural sector employees. Directly relevant given Ircom's 2014 mandate expansion into agriculture; same federation framework, same point-based model.
• B2V Gestion Sociale: French paritarian group managing complementary retirement and prévoyance across multiple professional branches. Agirc-Arrco affiliate operating the same mandate framework as Ircom at a multi-sector national scale.
• Malakoff Humanis: One of the largest French paritarian complementary pension and prévoyance groups, formed via merger. Operates identical Agirc-Arrco-delegated pension administration for non-Martinique private sector employees.

Others

• CNAV (Caisse Nationale d'Assurance Vieillesse): French national basic state pension fund operating the regime général; partnered with Ircom for joint events (Rencontres Retraite). Same pension domain but different (statutory, redistributive) funding model, not a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ircom-agirc-arrco

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 Ircom Agirc-Arrco