Kaj Mikael Somerkoski

Keskinäinen Työeläkevakuutusyhtiö Elo (Elo) is an independent pension fund manager headquartered Espoo, Finland. The firm was founded when LocalTapiola Pension and Pension Fennia merged in 2014. Elo manages the pension cover of employees and entrepreneurs in accordance with the Employees Pensions Act (TyEL) and Entrepreneurs' Pension Act (YEL) and manage the funds collected for these purposes.

Keskinäinen Vakuutusyhtiö Eläke-Fennia (Fennia Pension) is a mutual pension firm based in Helsinki, Finland. Established in 1998, they are a wholly-owned subsidiary of the Fennia Group which traces their origins back to the 19th century. Fennia Pension is owned by their customers. The firm provides insurance coverage for the employees of their client firms as well as for entrepreneurs. They have a network of offices throughout Finland.