# Fora

Fora is an Insurance based in Miami, Sweden.

## Overview

- **Organization type:** Insurance
- **Headquarters:** Miami, Sweden
- **Region:** Europe
- **Address:** Stockholm, Sweden
- **Founded:** 2021
- **Assets under management:** Undisclosed
- **Website:** www.fora.se
- **LinkedIn:** https://www.linkedin.com/company/fora

## Regulatory record

- **CRD number:** 295393
- **SEC file number:** 801-119199
- **Registration status:** Registered
- **Reports private funds:** Yes
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/295393

## About

Fora is a service company that helps companies and their employees navigate their collectively agreed pension and insurance solutions. It administers SAF-LO Collective Pension Insurance and other collectively agreed insurances, and operates on a non-profit basis. Fora is owned by the Confederation of Swedish Enterprise and the Swedish Trade Union Federation. It forwards more than SEK 24 billion in premiums and fees every year for about 224,000 companies and covers approximately 4.9 million individuals.

## Questions

### What exactly does Fora do?

Fora is an administrative organization, not an asset manager. It collects premiums from roughly 200,000 Swedish employers for collectively bargained occupational pensions and insurance, then routes those premiums to pre-selected insurance companies and asset managers. Its core functions include premium collection, employer compliance monitoring, member statements, and beneficiary communications for the SAF-LO collective agreement.

### Who governs Fora?

Fora is jointly owned and governed by the Confederation of Swedish Enterprise, representing employers, and the Swedish Trade Union Confederation (LO). Its board is evenly split between employer and union representatives, reflecting the collaborative nature of Sweden's industrial relations model.

### Does Fora make investment decisions?

No. Fora does not manage assets or select fund managers. Investment mandates are set through the SAF-LO pension plan's governance structure, and capital is managed by external institutions including Alecta and AMF. Fora's role ends at premium collection and transfer.

### What types of insurance does Fora handle?

Fora administers several mandatory and collectively bargained insurance products: Avtalspension SAF-LO (occupational pension), Tjänstepension (supplementary pension), AGS (group sickness insurance), TFA (work injury insurance), and TGL (group life insurance). Employers obligated under collective agreements must report and pay premiums for all of these through Fora.

### How does Fora enforce employer compliance?

Fora operates a digital compliance system that cross-references employer payroll data with premium submissions. When premiums are late or missing, the system alerts employers and, where necessary, elevates non-compliance to the relevant union and employer organization for enforcement.

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- [Footlocker Pension Plan](https://altss.com/profile/footlocker-pension-plan)
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Last updated: 2026-08-11T15:06:49.768Z

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