The Pension Consultancy

What The Pension Consultancy does

The Pension Consultancy (TPC), operating under the brand TPC Benefits Experten Netzwerk, is a German workplace benefits consulting firm that helps employers design, implement, and administer competitive employee benefit packages. Founded in 1960 and now a business division (Geschäftsbereich) of MLP Finanzberatung SE (a subsidiary of publicly listed MLP SE on the Frankfurt Stock Exchange), TPC serves German employers of all sizes, industries, and locations, with additional reach to multinational organizations via its International Benefits Network (IBN) partnership. The firm acts as an independent advisor and assessor rather than a product seller, drawing on offerings from all relevant providers and grounding recommendations in scientifically supported market and product analysis. More than 1,200 licensed consultants deliver advisory services nationwide, in person and via video conference, supported by multi-disciplinary specialists in strategy, health and demographics, business economics, law, and marketing/communications.

TPC's core offering is Benefit Concepts consulting, supplemented by named modules including Benefit Advantage, Business Efficiency (strategic HR effectiveness), and the broader TPC Consulting practice covering Law, Mathematics, Demographics, and International topics. The proprietary TPC Portal is the primary digital interface, enabling employers and employees to manage occupational pension processes, products, salary exchange administration, and compliance documentation (e.g., employer-financed provision written proof) online. Adjacent service lines include Supplementary Company Health Insurance (bKV), Global Mobility Services with a fixed-fee Global Mobility Quick Check (EUR 2,750 plus VAT), and Financial Fitness educational offerings delivered through the MLP School of Financial Education (MLP SoFE) partnership with digital education provider BG3000. An internal Corporate University supports ongoing advisor development.

TPC operates primarily as a licensed insurance broker under Section 34d Paragraph 1 GewO (Insurance Intermediary Register No.: D-4NZV-RPPMW-25), earning commission (Courtage) revenue embedded in insurance premiums placed with provider partners, with no additional direct fee charged to policyholders in standard arrangements. For non-consumer clients, administration of insurance contracts and bespoke advisory work can be billed separately under a dedicated service agreement (Dienstleistungsvereinbarung), and net products (without embedded commission) carry a separate brokerage fee. Marketing is anchored in thought leadership through a bilingual monthly newsletter and topical webinars, while distribution relies on the nationwide licensed consultant network and MLP's broader regulatory and infrastructure footprint. Regulatory oversight rests with BaFin and the ECB under the German Banking Act and CRR.

Name

The Pension Consultancy

Legal name

MLP Finanzberatung SE

Website

https://tpc-vorsorge.de

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

51–100 employees

Short description

The Pension Consultancy (TPC) is a German workplace benefits consulting firm helping employers of all sizes design, implement, and administer competitive employee benefit packages via 1,200+ licensed consultants, the proprietary TPC Portal, and global reach through the IBN partnership.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage / Commission Revenue: As a licensed insurance broker (Versicherungsmakler) with permit under Section 34d Abs. 1 GewO, MLP/TPC receives commissions (Courtage/Provisionen) paid by insurance companies, which are built into insurance premiums. No additional direct fees are charged to policyholders for advice and brokerage in standard arrangements.
2. Advisory Fees for Non-Consumer Clients: For non-consumer (business) clients, administration of insurance contracts and advisory services for establishing, amending, or reviewing contracts may be charged on a separate fee basis under a dedicated service agreement (Dienstleistungsvereinbarung), separate from commission-based arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

The Pension Consultancy (TPC) is an independent benefits consulting firm for employers in Germany, providing tailored employee benefit solutions across occupational pensions, health insurance, family support, mobility, and in-kind benefits. It acts as an expert and assessor drawing on offerings from all relevant providers rather than selling its own products, supported by a proprietary TPC Portal for digital management of occupational pension processes and a network of more than 1,200 licensed consultants nationwide.

Product overview

TPC (The Pension Consultancy) operates as a network of benefits experts offering consulting services for employers. The core offering consists of Benefit Concepts consulting for developing customized employee benefit solutions, supported by the TPC Portal—a digital platform for managing occupational pension processes. Additional service modules include Business Efficiency consulting, TPC Consulting (covering Law, Mathematics, Demographics, and International topics), Supplementary Company Health Insurance (bKV), Global Mobility Services, and Financial Fitness through the MLP School of Financial Education partnership. The company also maintains a Corporate University for internal advisor development. The portfolio is structured around advisory services rather than standalone software products, with the TPC Portal providing the primary digital interface for clients.

Differentiator

Problem solved

Functional benefit

Brands

• TPC Portal: Digital platform for employers and employees to manage all processes and products of their occupational pension scheme, anytime, anywhere.
• Financial Fitness
• TPC Portal
• MLP School of Financial Education (MLP SoFE)

Products and services

• Benefit Concepts Consulting services for developing customized employee benefit solutions tailored to company values, goals, workforce, industry, location and size. Targeted at German employers seeking to attract and retain talent through competitive benefits packages.
• TPC Portal A digital platform enabling employers and employees to digitally manage and utilize all processes and products of their occupational pension scheme anywhere, anytime, including compliance workflows, documentation management, and salary exchange administration.
• Business Efficiency Consulting HR strategy and business effectiveness consulting services focused on long-term efficiency and business success through holistic and forward-thinking benefit strategies.
• Supplementary Company Health Insurance (bKV) Occupational supplementary health insurance services providing additional benefits beyond statutory health insurance, including budget plans for flexible employee benefits and tax-free employer contributions up to EUR 50 per month per employee.
• Global Mobility Services International employee mobility consulting covering tax, social security, labor law, and organizational requirements for foreign assignments, including the Global Mobility Quick Check analysis priced at EUR 2,750 plus VAT.
• TPC Consulting Expert consulting services spanning multiple disciplines including Law, Mathematics, Demographics, International topics, Welcome to Germany, and Global Working Environments, providing tailored advisory partnerships to employers.
• Benefit Advantage A specific benefit concept offering designed to help employers stand out as attractive employers in the labor market.

Quantifiable outcome

• Up to 20% increase in final pension benefits by securing a higher guaranteed interest rate before expiry (1.75% vs 1.25%).
• +4 more outcomes

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

Three partnerships are on record, tiered core and minor.

• MLP Finanzberatung SEcoreOthersTPC Benefits Experten Netzwerk is a business division (Geschäftsbereich) of MLP Finanzberatung SE, headquartered in Wiesloch, Germany. MLP SE is a financial services company listed on the stock exchange, providing TPC with its regulatory licenses (insurance brokerage under Section 34d GewO, loan brokerage, real estate brokerage), corporate infrastructure, and access to MLP's broader client network. MLP SE's board includes Jan Berg (CEO), Manfred Bauer, Oliver Liebermann, and Reinhard Loose.
• International Benefits Network (IBN)coreStrategic or Co-development PartnerTPC is a Partner of the International Benefits Network, a strategic global alliance of like-minded local consultants and intermediaries. TPC engages with IBN partners to provide first-hand benefit insight from countries relevant to multinational clients. Through this network, TPC offers multinational organizations management of their most complex global benefits requirements, with news, legislative updates, and coordinated international consulting.
• MLP School of Financial Education (MLP SoFE)minorStrategic or Co-development PartnerTPC partners with the MLP School of Financial Education to offer a large portfolio of financial education training for employers, including topics such as financial literacy, behavioral economics, and corporate retirement planning for HR managers. Seminars can be tailored to specific company needs. MLP SoFE also cooperates with digital education provider BG3000 to offer combined financial and digital education programs for young professionals.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Market position

Weaknesses4 records

Competitive moat5 records

Customer concentration

• LinkedInlinkedin.com/company/tpc-benefitexpert

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 The Pension Consultancy