An employee who has changed companies three times in ten years ends up with as many different supplementary pension funds, sometimes without even knowing it. Centralizing company pension funds online addresses a concrete problem: avoiding the discovery of an oversight when preparing one’s liquidation file. Digital tools have evolved significantly in recent months, and the single-window approach is finally progressing on the regulatory side.
HR Tool Agirc-Arrco: Centralization from the Employer’s Perspective
We often talk about centralization from the employee’s point of view, but HR departments now have their own lever. Agirc-Arrco has launched a dedicated tool called “Employee Rights,” accessible from the client area of the supplementary fund.
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This module gives the employer a comprehensive view of each employee’s pension situation. It includes acquired rights, validated periods, and any declaration anomalies, all from a single interface.
The benefit for HR is twofold. First, discrepancies between social declarations and actual recorded rights can be identified more quickly. Second, they can assist an employee nearing departure without waiting for them to discover a gap in their statement. For multi-site companies or groups with several entities, this is a valuable shortcut compared to the previous method of handling each fund separately.
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On a daily basis, one can access my account on maretraite-entreprise.com to consolidate the consultation of their various company pension funds and track all their rights from a single portal.
Interactive Dashboard of L’Assurance retraite: What Changed in July 2026
L’Assurance retraite launched an interactive dashboard on its online space on July 6, 2026, featuring new tracking functions. This is not just a graphical refresh: the unified career view allows management of all pension schemes from a single screen.
Specifically, it provides a summary that cross-references data from the basic scheme and the associated supplementary ones. Missing periods or inconsistencies between declared and validated quarters are flagged directly in the interface.
What This Changes for the Centralization of Funds
Before this update, one had to navigate between several spaces to reconstruct a complete career. The new dashboard reduces this back-and-forth. Feedback varies on the tool’s fluidity depending on user profiles, but the principle of centralization is moving in the right direction.
For an employee who has contributed to several supplementary funds (change of sector, transition from executive to non-executive, periods in umbrella employment), consolidating their statements online avoids multiplying correspondence and calls.
Progressive Retirement and Unique Form: Regulatory Simplification
Centralization does not rely solely on digital tools. Since a decree published in the Official Journal on February 21, 2025, progressive retirement can be subject to a unique form addressed to a single fund. There is no longer a need to send a separate file to each scheme.
This is a concrete advancement for employees nearing retirement who wish to reduce their working hours while starting to receive a portion of their pension. The centralized procedure eliminates an administrative layer that discouraged many candidates for progressive retirement.
Steps to Submit a Centralized Request
- Check on your online space that all quarters are correctly reported, including periods with former employers
- Gather employer certificates (part-time, job adjustments) into a single digital file
- Send the unique form to the fund of your last employer, which will handle the transmission to other schemes
- Track the progress of the processing directly from the L’Assurance retraite dashboard
Unisex Mortality Table: A Subtle Impact on Supplementary Retirement Contracts
A relatively unnoticed regulatory change alters the landscape for company supplementary retirement contracts. The decree of November 18, 2024, issued as part of the Green Industry Act, mandates a unisex mortality table for calculating annuities.
In practice, this affects new contracts and tacit renewals. The amount of the annuity paid to an employee directly depends on the table used. Switching to a unisex table alters projections, sometimes upwards, sometimes downwards, depending on the profile.
For HR services managing multiple supplementary retirement contracts within a group, this evolution necessitates comparing the conditions of each contract before tacit renewal. Centralizing the management of these contracts on a single tracking table allows for identifying discrepancies between entities and renegotiating if necessary.
Concrete Checks Before Centralizing Pension Funds Online
Centralization works provided that the source data is reliable. Incomplete statements, unreported quarters after a change of employer, or errors in attachment to the wrong supplementary fund are regularly observed.
- Compare your online career statement with your pay slips from the last five years to detect discrepancies
- Ensure that each employer has properly declared supplementary pension contributions (a missing DSN is enough to create a gap)
- Contact the relevant fund directly if a quarter is missing, attaching the corresponding pay slip as proof
This preliminary cleaning step determines the reliability of everything consulted later on centralized portals. A dashboard does not correct a missing data point at the source.