🇧🇷Brazil

Custos Excessivos de Recuperação de Déficit

2 verified sources

Definition

Recovery plans involve contribution increases (up to 3 years for <10% deficits) and audits; net positions show R$54bi swings tied to reporting accuracy.

Key Findings

  • Financial Impact: R$20-76bi deficits requiring recovery costs; 20-40 hours/month manual adjustments per plan
  • Frequency: Immediate for >10% deficits; up to 3 years for ≤10%
  • Root Cause: Inaccurate asset/liability valuation, delayed Previc filings, tax complexity in reporting

Why This Matters

The Pitch: Fundos de pensão no Brasil perdem R$20-40bi anuais em custos de recuperação. Automação de funded status reporting previne déficits e multas.

Affected Stakeholders

Patrocinadoras, Participantes, Auditores Internos

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Financial Impact

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Déficit de Cobertura no Relatório de Situação Financeira

R$62.65 bilhões net deficit peak (2017); deficits R$21-76bi yearly

Erros de Decisão por Falta de Visibilidade no Funded Status

2-5% AUM loss from misallocated surpluses (US$317bi total AUM 2014 = R$6-15bi); R$72bi deficit peaks

Custos Extras com Bônus para Atrasos em Benefícios

R$ 68/processo (seguro social); R$ 75/processo (peritos); limite anual R$ 17k-18k/servidor.

Atrasos em Contribuições INSS por Erros de Reajuste

R$166-303 per late contribution + SELIC juros (1%/month); 11-20% aliquot shortfalls on 1.5k+ salaries.

Multas por Não Conformidade em Avaliação Atuarial e Reservas Técnicas

Fines up to R$20,000,000 or twice transaction value; intervention suspends operations leading to ongoing losses.

Perdas por Fraudes e Lavagem em Fundos de Pensão

Fines up to R$20,000,000 or 2x transaction value; criminal fines plus 3-10 years imprisonment; asset confiscation.

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