Elo Mutual Pension Insurance Company (Elo) is a multi-employer corporate pension based in Espoo, Finland. Established in 2014 by the merger of Pension Fennia and LocalTapiola, the plan manages employment pension provision for employees in its client companies, as well as for self-employed persons in Finland. The plan offers insurance for self-employed persons and earnings-related pension products such as old-age, part-time, disability, and survivors' pension products, as well as vocational rehabilitation products for private individuals. The assets of the plan are managed and administrated by the board members.