Meet PENFAX.

Our configurable pension platform.

Since 1979, JEA’s PENFAX suite has powered some of the largest and most complex pension plans across North America.

Our solutions simplify administration, empower members and employers, and deliver secure, future-ready technology.

PENFAX integrates seamlessly with third-party systems and supports optional AI-enabled capabilities that enhance administrative decision-making.

Each product is extensively configurable and designed to adapt to the unique requirements of every client, across the full spectrum of pension administration.

Explore the PENFAX suite.

Enable end-to-end capabilities for even the most complex pension plans.

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Simplify employer reporting, data submission, and compliance.

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Empower members with self-service options to manage and access their pension information.

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Leverage flexible deployment options: cloud, on-premises, or hybrid.

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End-to-end pension administration, built for complex operations.

  • Modular components support enrolment, membership management, life events, benefit calculations, payments, reporting, and system administration without requiring customization.

  • Built on a rules-driven, parameter-based calculation engine trusted by some of the most complex plans in North America.

  • Highly configurable workflows allow plans to align processing logic, approvals, and business rules to their specific administrative practices.

  • Seamlessly integrates with third-party systems and external data sources to support broader pension ecosystems.

  • Designed with interfaces and integration points that enable future AI-enabled capabilities as operational needs evolve.

  • Supports straight-through processing and automation across administrative processes, reducing manual intervention and improving operational efficiency.

Key Capabilities

The PENFAX Admin System is a modular solution designed to support the full lifecycle of pension administration, from enrolment and membership management to life events, benefit calculations, payments, reporting, and system administration.
Built to handle the realities of day-to-day pension operations, the Admin System combines configurable workflows with proven calculation capabilities to help plans operate efficiently, accurately, and at scale. Whether administering pensions for 1,000 members or 1,000,000, the PENFAX Admin System adapts to each plan’s unique rules, processes, and operating model. Our team works with you to ensure the system runs efficiently for your plan and your business.
At the core of the system is a flexible, rules-driven calculation engine that ensures consistent, auditable results. Surrounding that engine is a comprehensive set of modules that support real-world pension administration tasks, enabling teams to manage complexity without sacrificing operational efficiency or control.
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Simplifying employer transactions and reporting.

  • Purpose-built for employer self-service, including secure contribution uploads and data submissions.

  • Automated validation and posting reduces employer errors and shortens processing time.

  • Fully configurable to match each employer group’s processes, data file formats, and business rules.

  • Integrates with HR, payroll, and third-party systems to streamline data exchange.

  • Supports straight-through processing and automation of routine tasks to reduce manual effort and improve operational efficiency.

Key Capabilities

The PENFAX Employer Portal is a configurable, self-service solution that makes it easier for employers to submit member and payroll data while reducing downstream administrative effort. It supports diverse employer payroll practices and multiple file formats, with validation rules tailored to your plan’s requirements.  
Automated validation and configurable workflows help catch issues early, reduce errors, and minimize manual follow-up. The Employer Portal integrates seamlessly with the PENFAX Admin System and can also be configured to integrate with third-party HR, payroll, and pension platforms.
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  • Extensive out-of-the-box configurability allows clients to choose exactly which services to enable, with extensive flexibility for screen designs.

  • Supports benefit projections, demographic updates, beneficiary management, banking updates, secure messaging, presentation and submission of electronic documents, and more.

  • Certified for accessibility with responsive web design for support for browser-enabled devices.

  • Enables independent updates by our clients through a built-in content management module.

  • AI-ready, with interfaces and integration points enabling integration of AI solutions.

  • Supports straight-through processing across the PENFAX platform by integrating directly with the PENFAX Admin System or other third-party administrative systems, reducing manual intervention and improving operational efficiency.

  • Delivers a modern, responsive experience that strengthens member engagement and reduces call-center demand.

Empowering members with self-service.

Key Capabilities

The PENFAX Member Portal gives members secure, accessible access to their pension information and services, improving the member experience while reducing administrative overhead. 
The Member Portal supports efficient end-to-end processing by enabling members to submit updates and requests digitally, and supports straight-through processing across the entire PENFAX platform.
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Flexible deployment, built for security.

PENFAX Cloud Solutions delivers your system through JEA’s secure cloud, powered by Amazon Web Services and backed by service level agreements. Configured to your plan’s needs, our services offer full-stack delivery, flexible support options, and browser-based access, supported by JEA’s expert team.
Plans vary in their infrastructure, control, and scalability needs. PENFAX Cloud Solutions gives you the freedom to choose the deployment model that fits your environment, with the assurance of strong security, resilient operations, and dependable service levels. We also offer on-premises solution delivery if required.

  • Secure AWS-based hosting with dedicated environments for each client, no shared tenancy.

  • Full-service delivery from infrastructure to PENFAX application maintenance, monitored and managed by JEA.

  • Backed by SLAs, including 99.95% availability and robust high-availability architecture.

  • SOC 2 Type II certified operations and security controls aligned with public-sector requirements.

  • Enables scalable growth without client-side hardware investment or operational burden.

Key Capabilities

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