Supplementary Pension Solution

Go beyond compliance. Build real value.

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In Norway, occupational pensions are a legal requirement. But meeting the minimum is just the start. With the right design, your pension scheme becomes more than a regulatory obligation—it becomes a strategic advantage.

At Howden, we help you create a pension solution that fits your business goals, aligns with your budget, and gives your people something to value—today and in the future.

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What is a supplementary pension solution?

A supplementary pension solution includes:

  • The mandatory occupational pension scheme every Norwegian employer must provide
  • Additional pension and risk benefits that go beyond the legal minimum
  • Strategic design and communication to turn pensions into a meaningful employee benefit

Whether you’re just getting started or looking to optimise your existing plan, we’ll help you build a solution that meets your needs—without overcomplicating it.

Why it matters

A well-structured pension plan can:

  • Strengthen recruitment and retention
  • Improve employee financial wellbeing
  • Deliver more for your budget through smart design
  • Reduce admin burden and compliance risk

When done right, pensions don’t just support your people in retirement—they support your business every day.

What we help with

  • Defined contribution pension plans
  • NAV-compliant design and setup
  • Provider benchmarking and fee negotiation
  • Cost modelling and forecasting

  • Risk coverage: disability income, spouse/child pension, premium waivers
  • Custom contribution structures to attract and retain key talent
  • Member education and communications to drive awareness and engagement

  • Cost reviews and market comparisons
  • Budget forecasting and compliance checks
  • Direct support for HR, finance, and employees
  • Conflict resolution and interpretation of pension terms

The Howden difference

We combine actuarial insight, deep market knowledge, and a people-first mindset to create pension solutions that work for everyone—from your leadership team to your newest hire. Whether you need a basic scheme that meets requirements or a fully tailored package with strategic enhancements, we’ll guide you with clear advice and practical solutions.

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