Do you want to increase the growth of your employees’ pension by awarding them a bonus pension? Doing this is beneficial both for you as an employer and for your employees. Here’s what you need to take into account as an employer.
A bonus pension plan is a way of awarding variable pay to employees that’s advantageous in terms of taxes and other levies. It is a group insurance plan in which the pension accrued by the affiliated employees depends on them achieving the targets set by the company. This means that you can reward your employees’ efforts with additional pension growth.
A bonus pension plan is advantageous for both employer and employee in terms of taxes and other levies. This is clear in the simulation below, where the net advantage of a cash bonus of EUR 1,000 is compared with the same sum spent on group insurance.
If you pay a cash bonus, the employee receives a net amount of just 32% of the total salary cost; with group insurance the employee receives 73%.
In addition, employees can finance a real estate project by taking out a cash advance on the capital accumulated in the bonus pension plan. In an upcoming article we will look in more detail at the conditions for taking an advance and the tax effects of this when the pension is paid out.
If you want to increase your employees’ pension growth by awarding a bonus pension, you should take the following points into account:
Do you have further questions about bonus pension plans or the points you need to consider when introducing such a plan in your company? If so, contact your regular Employee Benefits Account Manager immediately.
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