How Tuio revolutionized its retirement plan with Arca Digital

Tuio, the neo-insurer breaking industry rules, chose Arca Digital for its retirement plan: over 10% of the team transferred their old plans within the first month and employees voluntarily contribute from their payroll.

When a company is born to transform a sector as traditional as insurance, its internal management must be consistent with that vision. That's the case of Tuio, the neo-insurer that decided not only to meet the collective agreement obligation of offering a retirement plan, but to turn it into a cornerstone of its employee experience.

Changing the rules of the sector

In the insurance distribution industry, the norm is for companies to partner with the insurer they already work with to offer savings insurance to employees and meet the legal obligation of the collective agreement to provide a retirement plan. This way, the company benefits from the premiums of its own employees.

Tuio decided to break with this dynamic. Instead of seeking corporate gain, they bet on transparency and the real wellbeing of the team. They chose Arca Digital to offer a model where the employee is at the center: they understand what their money is invested in, they have total control, and they have expert guidance on their journey as savers.

Scalability: A plan that grows at Tuio's pace

As a high-growth company, the Tuio team is constantly evolving. Promotions and professional level jumps are frequent, and each of these changes implies, according to the agreement, an update in the contributions to the retirement plan.

At Arca Digital we've helped make this management invisible and error-free:

• Automation by professional groups: We've integrated the agreement's logic so that when a worker grows professionally, their contribution is updated automatically.
• Frictionless management: We eliminate the manual administrative burden, allowing the People team to focus on strategy rather than paperwork.

The expert's voice

"At Tuio we always look to go one step further with our benefits. With the retirement plan, the challenge was clear: deliver real value to the team without generating more operational load. With Arca Digital we've achieved it through an automated, transparent model truly centered on people." — Marta Vegas, Head of People at Tuio.

The indicators of success

The team's response has been immediate. When employees understand and value the product, they become active savers:

• Voluntary contributions: Employees not only receive the company's part, but decide to voluntarily contribute from their payroll because they trust the model.
• Total trust: In just the first month, more than 10% of the workforce requested transferring their old pension plans from other entities to Arca Digital.
• Financial commitment: The team highlights the ease of use and clarity about how their money is invested at all times.

Conclusion

The Tuio case shows that the collective agreement obligation can be a golden opportunity to retain talent. By combining impeccable ethics with technology that automates the complexity of professional groups, Tuio and Arca Digital have built the team's financial future in the most efficient way possible.

Tuio, from Arca Digital we welcome you to true financial wellbeing! No fear of success!