The verdict in three sentences
For a pension fund, a full redesign is justified as soon as the member portal, accessibility or the CMS slows your teams down: expect a 2026 ballpark of 30,000 to 70,000 EUR in Dublin and 14 to 20 weeks of work. A visual refresh alone costs two to three times less, but it leaves accessibility gaps and manual re-keying into the administration system untouched. The right call is made on the 3-year total cost, including maintenance at 15 to 20% of the build, not on the initial quote alone.
Full redesign or visual refresh: what you are really buying
A visual refresh changes the skin of the site: new brand guidelines, new templates, same structure and same CMS. It works when content is up to date, the technical platform is sound and the accessibility audit is already good. In a pension fund, that is rarely the case: scheme pages have piled up for ten years, PDFs are not tagged and the member portal runs on a separate tool that sends people to the phone as soon as a question falls outside the script.
A full redesign takes everything back: content audit, journeys for members, employers and advisers, an accessible design system, a CMS with approval workflow and connectors to the administration system. Here are the gaps observed on the market in 2026 (estimates, not Kolonell prices).
| Item | Visual refresh | Full redesign |
|---|---|---|
| Build budget in France | 10,000 to 22,000 EUR excl. VAT | 25,000 to 60,000 EUR excl. VAT |
| Build budget in Dublin | 12,000 to 25,000 EUR | 30,000 to 70,000 EUR |
| Delivery time | 6 to 9 weeks | 14 to 20 weeks |
| RGAA or WCAG 2.2 audit | often excluded | 4,000 to 8,000 EUR, included |
| Member portal connected to core system | unchanged | 15,000 to 35,000 EUR optional |
| Pages reworked | templates only | 40 to 120 pages rewritten |
| Annual maintenance | 15 to 20% of build | 15 to 20% of build |
What tips the decision is often regulatory. Under the EU Web Accessibility Directive, bodies with a public-interest mission must publish an accessibility statement and a conformance level against WCAG. Since the European Accessibility Act came into force in June 2025, consumer-facing online services are also under scrutiny. A site at 40% conformance does not jump to 75% with a new colour palette: components, forms and documents all have to be reworked.
The detailed budget of an institutional redesign in 2026
To read a quote, split it into work packages. An offer that does not detail content migration and accessibility testing almost always underestimates the final bill by 20 to 30%.
| Work package | Share of budget | France range (EUR excl. VAT) |
|---|---|---|
| Scoping, audit of existing site, workshops | 8 to 12% | 3,000 to 6,000 |
| UX, sitemap, wireframes | 15 to 20% | 5,000 to 11,000 |
| Accessible design system | 10 to 15% | 3,500 to 8,000 |
| Front-end and CMS development | 30 to 40% | 9,000 to 22,000 |
| Content migration and rewriting | 8 to 12% | 2,500 to 6,500 |
| Testing, accessibility audit, fixes | 10 to 15% | 4,000 to 8,000 |
| Go-live, redirects, training | 4 to 6% | 1,000 to 3,000 |
In Dublin, add roughly 10 to 15% to each line for local agency rates. The member portal is a separate project. Secure login with two-factor authentication, scheme and benefit lookup, certificate downloads, claims tracking and document upload: budget 15,000 to 35,000 EUR depending on the quality of the APIs your administration system exposes. If it exposes nothing, plan an extra integration package on the vendor side, often billed separately with a 6 to 10 week lead time.
Typical 14 to 20 week timeline
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| Phase | Weeks | Deliverable |
|---|---|---|
| Scoping and audit | 1 to 2 | scoping note, accessibility audit of current site |
| UX and structure | 3 to 5 | content inventory, approved wireframes |
| Design | 5 to 8 | mock-ups and accessible design system |
| Development | 8 to 15 | CMS, templates, connectors |
| Content and migration | 10 to 16 | rewritten pages, 301 redirect plan |
| Testing and final audit | 16 to 19 | audit report, accessibility statement |
| Go-live | 19 to 20 | switchover, close monitoring for 30 days |
Delays rarely come from code. They come from approvals: legal, actuarial, compliance. Set a two-level approval circuit at most and a 5 working day response time during scoping, otherwise 14 weeks turn into 24.
Mini case study
Helen, head of communications at a pension fund in Dublin (illustrative scenario), runs a 90-page site for 85,000 members. The contact centre receives 4,000 calls a month, 35% of them about a certificate or claim tracking, which is 1,400 calls.
She chooses a full redesign at 48,000 EUR and a member portal at 25,000 EUR, a total of 73,000 EUR. If the portal absorbs half of those calls, 700 calls are avoided each month. At an average cost of 6 EUR per handled call, savings reach 4,200 EUR per month, or 50,400 EUR a year. The portal pays for itself in about 6 months. Over 3 years, with maintenance at 18% of the build (13,140 EUR a year), total cost comes to 112,420 EUR against 151,200 EUR of estimated savings.
FAQ
How much does an accessibility audit cost for a pension fund site? Expect 4,000 to 8,000 EUR for a sample of 15 to 25 representative pages, forms and member portal included. A re-audit after fixes adds 1,500 to 3,000 EUR.
Can we keep our current CMS? Yes, if its version is supported and it handles roles and editorial approval. Otherwise workarounds quickly exceed the 5,000 to 10,000 EUR a clean migration costs.
What timeline with a member portal? The site alone takes 14 to 20 weeks. With a portal connected to the administration system, add 4 to 8 weeks depending on vendor API availability.
What annual maintenance budget? Plan 15 to 20% of the build, so 7,500 to 10,000 EUR a year for a 50,000 EUR site. This covers security updates, monitoring and a small allowance for minor changes.
Is the accessibility statement mandatory? For bodies in scope, yes: it states the conformance level, exemptions and a contact point. It must be updated after every major change and reviewed at least once a year.
Let's scope your project. Send us your current sitemap, page count and member portal requirements: we price each work package with a realistic 14 to 20 week plan. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.