Fullmarket
Industries · HR Benefits & Insurance

Find the employers no one has approached yet.

According to one study, only one in three companies without a company pension scheme has ever been approached about one. We find the employers that are growing and have gaps in their benefits – with the decision-makers from HR and finance rather than generic addresses.

The challenge

What holds back sales in this industry.

01

Pigeonholed as a broker

Decision-makers expect a sparring partner, not a product salesperson. Without a specific reason, every call sounds like the next intermediary – and ends after the first sentence.

02

A confusing market

According to Roland Berger, 82% of HR managers find it hard to navigate what benefits providers offer. If you want to stand out, you have to show that you know the company.

03

Long-standing relationships

Many companies have been looked after by the same intermediaries for years. A switch needs a trigger: new growth, a new Head of HR or dissatisfied employees.

04

HR is hard to reach

HR departments are stretched with recruiting and payroll. Without the right person and a good reason, there is no meeting.

Your market

Who you're looking for – and why databases don't find them.

Typical target customers

  • Growing companies with 50 to 2,000 employees
  • Digital industries such as software, IT, e-commerce, finance and consulting
  • Corporate groups with several subsidiaries
  • Mid-sized companies with no or only weakly subsidised pension provision

Decision-makers and stakeholders

  • Head of HR, People & Culture, People Operations
  • CFO and commercial management
  • Management
  • Payroll and HR administration

Not in any filter

  • Actual benefits offering according to the careers page
  • Benefits mentioned in job ads
  • Corporate groups with several legal entities
  • Pace of hiring and staff turnover
  • Employee ratings of fringe benefits

These are exactly the attributes we check for every company individually – on websites, in job ads and in registers.

Signal radar

The signals that matter in this industry.

Click a point on the radar to see what we detect, why it points to a need and how your sales team can open the conversation.

Signal 1 of 9Careers pages, job boards

Hiring wave

Significantly more open positions than usual.

Why it matters: Benefits become an argument in recruiting – and administration grows along with them.

Possible conversation opener
“You currently have a striking number of vacancies – what role do additional benefits play in your conversations with candidates?”

Why now

What is moving your market right now.

New room for manoeuvre under the BRSG II

Since 2026, Germany's second Company Pensions Strengthening Act has extended the options for structuring schemes, for example with opt-out models. Employers need guidance – a trigger for conversations.

Benefits are here to stay

According to Roland Berger, companies offer an average of 6.6 benefits and are planning more. The question isn't whether, but with whom.

Administration still analogue

According to a Haufe study, only a quarter of companies have fully digitalised the administration of their company pension scheme. The need for simple solutions is considerable.

What matters

Your questions, our answers.

We work through brokers and pools.+

Then we deliver the complete market to you and your partners: all relevant employers in the region or target group, with a trigger and a contact. You decide who then presents your offering.

Do you reach HR decision-makers personally?+

Yes. We supply people in the roles you specify – Head of HR, People & Culture, CFO or management – rather than generic addresses such as info@.

Can you take existing customers and exclusions into account?+

Yes. We match your market against your existing customers and exclusion lists, such as public bodies with their own pension funds.

Is the outreach legally sound?+

For every contact, we supply the source and verification status. A specific, factual trigger – which is exactly what signals are – is the basis for relevant and permissible outreach in B2B. How you set up your outreach from a legal perspective is something you should agree with your legal advisers.

How big is your market really?

Describe your ideal customer – the free Market Check gives you your market size and 25 example companies.