Your employees have a right to occupational pension provision — use it to your advantage
Company Pension Schemes — for Employers and Employees
Common Mistakes in Company Pension Schemes
Lack of Consultation
Employees are not informed or are misinformed about their entitlements — liability risk.
Costly Legacy Contracts
Contracts with high costs and low returns — employees are dissatisfied.
No Employer Contribution
The mandatory employer contribution of 15% is not being paid.
Unsuitable Model
The chosen implementation model does not match the company size.
Benefits for Employers
Tax Benefits
Company pension scheme contributions are business expenses. Social security savings of up to 20%.
Employee Retention
Attractive company pension scheme offerings reduce staff turnover and increase employer attractiveness.
Liability Protection
A correctly implemented company pension scheme protects against employee lawsuits.
Easy Administration
We handle all administration and employee consulting.
Employee Retention
An attractive company pension scheme is a strong argument in the competition for skilled workers.
Flexible Implementation Options
We advise on all five implementation routes and find the optimal one for your company.
Which companies is this for?
SMEs (10–250 employees)
Direct insurance as the simplest and most cost-effective solution.
Mid-sized companies (250+ employees)
Pension fund or support fund for higher retirement income goals.
Startups
Company pension as a benefit in the competition for talent.
Trades & Crafts
Correctly implementing collective bargaining agreement pension provisions.
What is covered?
Versichert
- Retirement pension through salary conversion (up to €302/month free of social security contributions in 2026)
- Employer contribution (at least 15% for salary conversion)
- Five implementation channels: direct insurance, pension fund (Pensionskasse), pension investment fund (Pensionsfonds), support fund (U-Kasse), direct commitment (Direktzusage)
- Tax advantages under § 3 No. 63 EStG
- Survivor benefits for spouses and children
- Disability pension as an optional add-on
- Portability when changing employers
- Insolvency protection through the Pensions-Sicherungs-Verein (PSVaG)
Nicht versichert
- Guaranteed returns (depending on the investment model)
- Early payout before the age of 62
- Inheritability by arbitrary third parties (surviving dependants only)
- Coverage against the need for long-term care
- Premium suspension without loss of income
- Combination with employer-funded savings benefits (vermögenswirksame Leistungen)
How We Implement Your Company Pension Scheme
Portfolio Analysis
Review existing pension schemes, identify optimization potential.
Concept Development
Define implementation pathway, tariffs, and employer contribution model.
Employee Information
Presentations and individual consultations for all employees — on-site or digital.
Ongoing Support
Administration, follow-up consultations for onboarding/offboarding, and annual review.
Frequently Asked Questions About the Company Pension Scheme (bAV)
Request Consultation
Free and non-binding — we will get back to you within 24 hours.
Implement Company Pension Plans Professionally
We implement a legally compliant and attractive company pension scheme for your business.