🇧🇷Brazil

Erros de Decisão por Falta de Visibilidade no Funded Status

1 verified sources

Definition

Governing bodies must approve reviews with absolute majority; improper surplus distribution risks Previc rejection; historical deficits hit 71% solvent plans.

Key Findings

  • Financial Impact: 2-5% AUM loss from misallocated surpluses (US$317bi total AUM 2014 = R$6-15bi); R$72bi deficit peaks
  • Frequency: Annual reviews; ad-hoc for deficits
  • Root Cause: Falta de dados segregados por plano, auditorias internas falhas

Why This Matters

The Pitch: Entidades fechadas perdem 2-5% de AUM em decisões erradas de funded status. Automação fornece visibilidade real-time.

Affected Stakeholders

Conselho Fiscal, Diretoria Executiva

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Financial Impact

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Current Workarounds

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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

Custos Excessivos de Recuperação de Déficit

R$20-76bi deficits requiring recovery costs; 20-40 hours/month manual adjustments per plan

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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