collectum

Collectum is a Swedish company that administers the administrative framework for occupational pensions in the private sector. It functions as a service bureau for employers, employees and pension providers within the Swedish collective bargaining system, coordinating the administration of the ITP and SAF-LO pension schemes and the associated provider selection process known as pensionsvalet.

The core role of Collectum is to manage the process by which employees covered by private-sector collective agreements choose their pension provider and to handle the common administrative tasks required to implement that choice. It maintains the central data flows and procedures used to collect, transfer, and validate information between employers, pension providers, and employees, and it provides guidance to help users comply with applicable laws and agreements. The organization also offers information services and tools to aid payroll and HR functions in carrying out the system.

Collectum is owned by the parties to the private-sector labor market agreements, typically representing Swedish trade unions and employers’ associations, and operates as an independent administrator within that framework. The arrangement aims to streamline administration, foster competition among approved pension providers, and ensure consistent, transparent handling of occupational pensions across large parts of the private sector.

In practice, Collectum collaborates with multiple provider partners to offer a range of pension products within the ITP and SAF-LO plans, enabling employees to make informed provider choices. Its activities are most relevant for human resources and payroll professionals in private-sector companies, as well as employees who have the right to select among pension providers under their collective agreement.