How much should employers pay into occupational pensions?

How much the employer has to pay into the employees' occupational pension depends on the pension scheme. If the company is covered by a collective agreement, there are specific frameworks and rules governing this. In these cases, a contribution of 4.5% of salary is common.

Having a collective agreement is optional. For the company that does not have a collective agreement but still chooses to offer its employees an occupational pension, there is no requirement on how much the employer must pay in. In these cases, the amount paid into the occupational pension depends on the terms of the pension contract. Companies that do not have a collectively agreed occupational pension scheme negotiate their pension contract directly with a pension company and can then decide for themselves how to structure it. However, in general, the employer pays about 4.5% of the salary into an occupational pension even if there is no collective agreement.