Innogando x Arca: Turning a 29-Year-Old Workforce Into Serial Savers
Innogando proved that Gen Z does save: in 30 days, 60% of their 29-year-old workforce joined the Arca Company Pension Plan, contributing almost as much as the company and reducing total monthly admin burden by 95%.
In just 30 days, more than half of Innogando's team activated their Company Pension Plan and voluntarily contributes almost as much as the company. This engagement multiplies by five the average coverage of new collective agreements in Spain (≈ 11%) and even surpasses the 52% of the construction sector plan.
Gen Z does save — they just need the right engine, hand in hand with their company
Why Keep Reading
We debunk the myth that "young people don't care about the long term," share how Innogando launched their plan in 15 minutes and how 30+ questions and concerns were resolved live, getting young people to voluntarily save with their company pension plan. To back it up, we include real KPIs in a mini-guide format so you can replicate it in your company if you see the opportunity.
1. Who Is Innogando
Innogando is the agrotech startup born in Lugo in 2020 that provides the technologies farmers need to improve their farm's profitability and quality of life for both their animals and themselves. With an average workforce age of barely thirty, they already sell across the entire peninsula and are on their way to conquering the Americas.
"If our job is to anticipate the needs of livestock, how could we not anticipate those of our team?" — Elio López, CEO
2. The Challenge
When your workforce is spread across Lugo, Madrid, and several remote homes—and most haven't yet turned 30—talking to them about pensions and savings sounds, at best, like science fiction. However, the Innogando team identified two clear levers: on one hand, statistics show that only 18% of Spanish Gen Z currently contributes to a pension plan; on the other, attracting tech talent to a rural project requires benefits that compete head-to-head with urban hubs. Therefore, the challenge was twofold: achieve meaningful adoption from a young workforce and help Innogando strengthen its employer brand proposition.
3. Why Arca?
Innogando was looking for something that matched their DNA of speed and clarity. With Arca, you open your plan in 15 minutes from your phone with zero paperwork. The company contributes a monthly amount to each employee's plan, and the gamified platform translates the old tax brochure full of banker jargon into an educational experience anyone can understand: how much of your contribution you "stop advancing to the tax office," how your capital evolves, or what difference it makes to start at 26 versus 56.
The admin team also freed itself from bureaucracy thanks to direct integration with their accounting firm and comprehensive support that responds in minutes—both to admins and to each employee.
The result: zero operational friction and a user experience that doesn't smell like a "financial product" but like financial wellbeing.
4. The Launch
| Milestone | What We Did | Results |
|---|---|---|
| D-5 | Invitation to an online Town Hall (GMeet) with open chat and interactive participation | 100% attendance |
| D-0 | Live session on savings with FAQs + 30 questions answered about taxation, liquidity, and returns | 4.8 / 5 in satisfaction survey |
| D+1 | Summary email with the "Activate your plan" button | 42% enrollment in the first 24h |
The tone was deliberately informal, and care was taken to ensure no question was left for later. During the launch session, over 30 questions were answered and a debate emerged about saving yes or saving no, where many team members contributed valuable points, demonstrating interest in the subject when presented properly.
5. Results After 30 Days
| Metric | Value |
|---|---|
| Enrollment | +70% of workforce — ≈ 5× the average for newly created employment plans in Spain |
| Voluntary/company contribution ratio | 0.7 : 1 |
| Admin burden for People/Administration | -95% vs. manual management |
"The best thing about Arca isn't the app or that I can contribute whatever I decide each month—it's that when you check the tax impact and how it affects my paycheck, they explain it to you on the spot and in plain language." — Ánxela (28, CMO)
6. Myths We Buried
- "Gen Z lives for today." 6 out of 10 have started saving on their own initiative—well above the 11% coverage shown by most agreements signed since 2023.
- "Pension plans are a hassle." 30 questions in 60 minutes and an app that banishes jargon.
- "Only big companies can afford it." Team of <50 people, no consultants, and zero paperwork.
- "Support is slow and bureaucracy is heavy." Average response time < 1h and personalized recommendations on income tax and contribution optimization.
7. Beyond the Numbers
What's truly valuable about this story isn't the percentages—it's the spark that ignites when the team discovers that "saving" and "today" can fit in the same sentence without losing freshness.
Innogando didn't need epic speeches or XXL budgets: three very down-to-earth things were enough—clarity, immediacy, and a small gesture of trust from the company—for the conversation about savings and retirement to go from "I'll look at it tomorrow" to "where do I sign?"
If you lead people—whether urban twenty-somethings or rural forty-somethings—our takeaway is this: the simpler you make the first step—the first contribution—the easier it is for saving to become a habit and change lives.
8. That's a Wrap
If this case gives you ideas (or arguments) to start your own path toward effective savings, and at some point you want to bounce questions, ask for advice, or simply exchange notes, we're on the other side of the Arca—no endless forms or complex verbosity.
Because, in the end, nothing excites us more than hearing another team say:
"Hey, I'm saving on time too!"