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ja muuta ostivat YEL-vakuutuksen
Ilmarisen verkkokaupasta viimeisen 7 päivän aikana
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Yrityksen tiedot

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Lue lisää tietosuojasta

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News 27.9.2023

Ilmarinen’s administrative cost will decrease 20% in 2024 – As our customer, you benefit right away!

At the start of next year, Ilmarinen’s administrative cost will decrease by roughly 20 per cent. The administrative cost is part of the TyEL insurance contribution, and in that respect, your TyEL contribution will decrease.

The price of earnings-related pension insurance is influenced by the sector’s common TyEL contribution as well as, among other things, company-specific contribution components. These consist of the administrative cost, which affects the monthly earnings-related pension contribution, and the client bonus, which is returned to customers annually.

The total contribution level for 2024 is not yet known. The Ministry of Social Affairs and Health will confirm the basic TyEL contribution in mid-November. We will provide news and information about next year’s contributions once they have been confirmed.

As Ilmarinen’s customer, you will continue to benefit from our efficiency and solvency – part of our good result belongs to our customers, i.e. our owners.

Read about how the TyEL contribution is determined

You can see an estimate of your insurance contribution rate in our online service.

 

What is the administrative cost?

As of the start of 2023, the administrative cost has been determined on a company-specific basis. The administrative cost is the part of the pension contribution that is used to cover a pension company’s operating costs. It has a rather modest impact on the earnings-related pension contribution. For Ilmarinen’s customers in 2024, it will be no more than 0.20 per cent of the payroll.

Previously, any surplus administrative costs were returned to customers the following year as part of client bonuses. In future, since each pension insurance company will collect only the required amount of administrative costs, no systematic surplus will arise. Therefore, in 2024, client bonuses will be determined solely on the basis of solvency capital and will decrease in all pension insurance companies correspondingly.

Read more about the administrative cost

And what about solvency capital?

One per cent of a pension company’s solvency capital is credited to customers. Client bonuses have accrued under the new model since 2023 and will be credited to customers’ pension contributions in 2024. 

Ilmarinen’s strong solvency is the result of long-term investment operations and good investment returns. Ilmarinen’s investment returns increased to 3.7 per cent in the first half of the year. The company’s solvency strengthened and cost-effectiveness continued to improve despite the high inflation and uncertain economic development.

Read more in our interim report

Read also

Earnings-related pension contributions and discounts

Large employer’s TyEL contribution

 

 

 

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Press release 25.4.2025

The first quarter in Ilmarinen: Return on investments was 0.2 per cent, solvency was strong, and cost-effectiveness improved

Ilmarinen’s return on investments was 0.2 per cent, investment assets EUR 63.1 billion and solvency capital EUR 13.7 billion. Strong solvency enables the long-term investment of pension assets in an unstable market situation undermined by the trade war.

The first quarter in Ilmarinen: Return on investments was 0.2 per cent, solvency was strong, and cost-effectiveness improved

Press release 13.2.2025

Ilmarinen's Financial Statements 2024: The return on investments was 8.6 per cent, or EUR 5 billion – solvency strengthened and efficiency improved

Ilmarinen’s return on investments was 8.6 per cent, and cost-effectiveness was further improved. Premiums written grew by 2 per cent and operating expenses financed using loading income fell by 2 per cent.

Ilmarinen's Financial Statements 2024: The return on investments was 8.6 per cent, or EUR 5 billion – solvency strengthened and efficiency improved
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