PROSPER is 4TPM's white-label platform for workplace savings and retirement plans. It helps insurers, bancassurers and distributors launch and operate retirement offerings without rebuilding their core systems.

Plan rules, funding sources, contribution limits, employer matching and tax treatment are configured in a single rules engine, with dedicated portals for distributors, employers and employees. The employee experience is designed to be pedagogical, guiding savers from enrolment to withdrawal with online document upload.

Built for the French market (PER, épargne salariale) and adaptable to similar regulated retirement schemes.