Epsor

Epsor operates an independent fund selection committee that evaluates external funds based on both financial performance and extra-financial criteria. The firm works on an open-architecture basis, meaning it is not tied to a single asset management group. It specifically favors funds that carry the French ISR label (Investissement Socialement Responsable) and has a 100% label-certified fund range aimed at financing the ecological transition. According to the firm, its recommended portfolio allocation has outperformed market benchmarks by an average of 20% over five years (per Epsor).

The Epsor brand is exploited by Fremavi, a French SAS (Société par Actions Simplifiée) registered with the Paris RCS under number 832 966 956. The entity is regulated as a Conseiller en Investissements Financiers, registered with the ORIAS under number 18000088, and also acts as a Courtier d'Assurance. It is a member of the Chambre Nationale des Conseillers en Investissements Financiers, approved by the Autorité des Marchés Financiers.

Epsor relies on Société Générale as its infrastructure partner for custody and security services. The firm states that this allows it to combine the agility and user experience of a fintech platform with the security guarantees of a tier-one banking group. Epsor itself is the client-facing advisory and administrative layer; it does not hold client assets directly.

No. Epsor's model is built on independent, open-architecture selection. It does not manufacture or manage proprietary funds, which it argues removes the conflict of interest present in bancassurance models that primarily distribute in-house products. All investment vehicles offered on the platform are managed by third-party asset managers.

Epsor sets up, transfers, and administers the primary French regulated employee savings vehicles: the Plan d'Épargne Entreprise (PEE), the collective retirement savings plan (PERECO), the mandatory retirement plan (PER Obligatoire), and employee shareholding programs. The firm targets mid-sized to large French enterprises and focuses on making these benefits a more central part of the overall compensation package through digital tools and personalized advice.

Epsor applies an extra-financial screen across its entire fund range, maintaining a 100% label-certified offering (including French ISR and other sustainability labels) to finance the ecological transition. The firm itself is a certified B Corporation, and corporate clients like AREP have publicly cited the alignment of Epsor's 100% labeled fund range with their own responsible purchasing policies as a key reason for selection.

Yes. The platform combines a digital interface with human advisory support, offering personalized investment profiling and guidance to employees from the point of onboarding through ongoing plan management. Employee-facing advice covers project-based savings goals and asset allocation, with the firm citing a 4.8 out of 5 satisfaction score among employees who received advisory support.