A second-pillar plan your team will actually appreciate.
Warren rethinks the supplementary pension plan: low costs, ETF investments through an independent pension fund (OFP) without skimming the returns. With an app employees actually use.
Trusted by Ellen from Yuki, Eveline from Bizzy & many more.
- Structure/OIRP · Authorized
- Fee modelFixed fee / member / month
- Historic Belgian Pension Fund return+6%
- Member experienceApp · coaching · coaches
How much your team is leaving behind.
Belgian group insurance has been quietly losing real money for your team. Drag the sliders. The gap is the cost of the fees and the missed compounding, year after year.
€34,537 per member · about €63,957 every year you wait.
- Plan with rate guarantees
- €2,551,250
- Warren OFP
- €4,278,100
Simulation, not a guarantee. The capital figures shown are projections, not guaranteed amounts. The final outcome depends on the investment portfolio (pension fund and Branch 23) and on the evolution of long-term interest rates and profit-sharing (). Expected gross returns and costs based on official FSMA benchmarks.
Sources: Expected returns · Costs
Your team
Want this on your actual team?
Same model, your real headcount, salary distribution and current provider.
- ✓Your current pension plan compared with Warren OFP.
- ✓Fee and return gap vs your current provider
- ✓Per-member delta in clear € over a full career
One change to your workplace pension. Decades of difference for your team.
The state pension replaces only about 61% of an average net salary, according to OECD figures. The second pillar has to bridge that gap, and it is the lever you hold as an employer. Warren is the pension fund, reinvented to do exactly that: an expected net return significantly above inflation, with no management fees charged by Warren.
Belgian state pension · net replacement rate
Approaching the 70% benchmark
Above the 70% benchmark
70% is a widely accepted benchmark for a comfortable retirement, not an official OECD target. OECD puts the Belgian state pension at ~61% net replacement for an average earner (Pensions at a Glance 2025).
Costs each of your members about €1,279 in future retirement capital.
Modelled on 50 members, average age 40, €50.000 gross salary, 3.0% employer contribution. Same math as the calculator above.
Three things that make this not another contract.
Four steps. We carry most of the weight.
From signed proposal to live plan, the heavy lifting sits with us. Your HR team signs off, your accountant gets a clean handover, and your people get an app they actually open.
Traditional group insurance is a black box compared to what we now have at Warren.
Before Warren, 99% of our employees had close to no knowledge about their pension plans: how much was invested, what was it actually invested in. Warren made it feel like the first time a benefits product showed people what they already have, and made them value it more.
Our goal is to empower people to grow and take ownership. Warren helps us do the same when it comes to their finances.
Traditional group insurance doesn't cut it anymore. Warren offers a collective benefit our people actually care about.
Let's go for innovation, not just in our products, but in how we care for our people. Warren helps us bring that vision to life.
What teams actually ask first.
If yours isn't here, bring it to the intake call. We answer anything in writing afterwards too.
Yes. It operates as a Belgian OFP (Organisation for Financing Pensions) under FSMA oversight, with an independent board and annual statutory audit. Members' reserves are ring-fenced and not part of any insurer's balance sheet.
See the Warren Pension Fund on your own data.
Bring your current group-insurance contract and member data. We'll show you the gap: real returns, fees, and exactly what changes for your team if you switch. We always send the deck after the call.
- ✓Modelled against your current group insurance
- ✓Branch 21 vs Warren OFP, side by side
- ✓Fee and return gap vs your current plan
- ✓€20 per member, per month
Trusted by Ellen from Yuki, Eveline from Bizzy & many more.
The 2027 Pension Reform playbook.
A practical guide for HR and benefits leads. What's changing in Belgian pensions in 2027, what it means for your team, and what to do about it.