Goal
Enable faster, more flexible reporting and greater transparency of pensions and insurance schemes for employers and employees.
Products used
Fora helps 230,000 companies and their 4 million employees navigate their collectively agreed occupational pension and insurance solutions.
Owned by the Confederation of Swedish Enterprise and the Swedish Trade Union Federation, Fora operates on a non-profit basis and plays a central role in administering contributions and policies, without directly managing pension funds.
Industry
Insurance
Location
Sweden
Number of employees
250+
Setting the scene
In Sweden, collectively agreed pensions play a vital role in supplementing the state pension and providing tailored insurance coverage to different sectors of the workforce.
Fora, as one of the central pension administration hubs, is responsible for ensuring that employer contributions are calculated correctly, collected efficiently, and paid on time. It processes more than SEK 20 billion in premiums and fees annually.
Shifting from custom-built infrastructure
As expectations for streamlined digital services and real-time accuracy grew, Fora recognized its existing IT landscape was no longer fit for purpose.
The legacy environment used annual salary reporting for blue-collar employers creating operational challenges such as contribution inaccuracies and invoicing delays. Fragmented platforms increased error risk, while the annual reporting cycle conflicted with standard payroll practices, particularly for companies that employed both blue- and white-collar workers.
Employers and employees required faster, more flexible reporting and greater transparency, and Fora needed standardized workflows to manage increasing volumes and complexity.
A modular foundation for real-time pension and insurance processing
Fora opted for SAP Fioneer’s core insurance platform for its modular design and seamless integration capabilities, addressing their need for industry-standard monthly reporting cycles.
The integrated platform addressed their core challenges through three key areas. First, employer payroll data could now flow automatically through the entire process. When employers submit monthly payroll information, the platform updates member-level contributions and entitlements in real-time with changes cascading automatically from group policies down to individual sub-policies. This eliminates any manual reconciliation.
Second, centralized pension and insurance rules now drive consistent monthly calculations across all plans, while automated invoicing and payment processing have removed bottlenecks and errors. Lastly, the platform’s APIs enable Fora to connect directly with employers’ existing HR, payroll, and banking systems, creating a seamless data flow from salary input to pension contribution.
Together, these capabilities transformed Fora’s operations from fragmented annual processes to a unified platform supporting monthly cycles, real-time analytics, and responsive regulatory compliance.
Turning complexity into speed, accuracy, and efficiency at scale
With over 90% of platform functionality meeting its needs out of the box and Accenture as the strategic transformation partner, Fora launched a pilot in just six months.
The unified system created a single source of truth, eliminated fragmented data flows and synchronization issues, and dramatically improved reporting accuracy. Today, employers benefit from consistent salary and tax data views, while employees receive timely pension contributions throughout the year.
The transformation has delivered faster, more accurate services to employers and employees as the system’s flexibility enables easy configuration based on collective agreement specifics and automatically determines appropriate coverage based on individual roles and employment terms.
“Everyone wants to know which collective agreement they’re on. But now, for the first time, we can actually provide that answer.”
Christoffer Eile, CIO, Fora
Additionally, the platform has enabled monthly reporting and set the stage for standardized operations, automated workflows, and real-time data integration, establishing a strong foundation for future process improvements.
Looking ahead
With SAP Fioneer’s core insurance platform, Fora has laid the groundwork for a more agile approach to pension and insurance administration. As Fora prepares for a major merger with Avtalat and Collectum, close collaboration with SAP Fioneer will be critical, particularly in fully decommissioning legacy systems and scaling the platform to support the combined entity as well as the evolving needs of the 230,000 companies that depend on its services.
“We really appreciate SAP Fioneer’s commitment to listening and guiding us on our quests.”
Christoffer Eile, CIO, Fora