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Company pension plan (BVG/LPP)

Your employees' pensions, an asset for your business.

Compulsory affiliation, choice of collective foundation, tailored plans: we help you offer solid occupational pension provision (BVG/LPP) at a controlled cost.

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Why it matters

Very real situations.

Situation

You hire your first employee.

Consequence

As soon as an employee earns more than CHF 22'680 a year with you (2026), you must affiliate them with a pension institution.

Situation

Your collective foundation announces an increase in its costs.

Consequence

Changing foundation is possible, but you need to compare conversion rates, fees and risk cover — not just the premium.

Situation

You want to retain your managers.

Consequence

An extra-mandatory plan (executive plan) improves their pension provision and can be tax-efficient for the business.

What we cover

The essentials, explained simply.

Compulsory affiliation

All employees whose annual salary exceeds CHF 22'680 (2026) must be insured.

Choice of foundation

Collective or joint foundations: we compare the solutions on the market with complete independence.

Pension plans

BVG/LPP minimum or more generous plans, with a suitable coordinated salary (coordination deduction of CHF 26'460 in 2026).

Executive plans

Supplementary pension provision for high salaries, in compliance with the rules on equal treatment.

Death & disability risks

Pensions for employees and their families, coordinated with accident insurance (UVG/LAA).

Cost analysis

Risk premiums, administration costs, interest on retirement savings: full transparency on what you pay.

Handling changes

New hires, departures, salary changes: simple processes for your administration.

Points to watch

The mistakes we see most often.

  • 01

    Comparing premiums only

    The conversion rate, the interest paid on retirement savings and the foundation's financial strength matter as much as the price.

  • 02

    Forgetting part-time staff

    Above the entry threshold, they must be insured; some plans protect part-time employees better than the statutory minimum.

  • 03

    Contributions split incorrectly

    The employer's contribution must be at least equal to the total contributions of all its employees (Art. 66 BVG/LPP).

  • 04

    Changing foundation without preparation

    Termination, staff consent, transfer of pensioners: a change must be planned several months in advance.

Our method

Support in 4 steps, with no effort on your part.

  1. 01

    Analysis

    Your contracts, your needs, your goals: we carry out a full review.

    What you get

    A clear overview of your cover

  2. 02

    Comparison

    As an independent (non-tied) broker, we compare offers from many insurers, without bias.

    What you get

    The best offers, compared for you

  3. 03

    Set-up

    We handle the formalities, from cancellations to new contracts.

    What you get

    No admin for you to deal with

  4. 04

    Follow-up

    Claims, life changes, regular reviews: we stay by your side.

    What you get

    A dedicated point of contact, for the long term

  • Non-tiedIndependent broker
  • FINMARegistered · F01536191
  • +2'500Clients supported
  • 98%satisfaction rate
  • +10 yearsof experience

Frequently asked questions

Company pension plan (BVG/LPP):your questions.

Our experts' answers to the questions we are asked most often.

In 2026, from an annual salary of more than CHF 22'680 with you. The coordinated salary is obtained by deducting a coordination amount of CHF 26'460.

Another question?

An adviser will answer you.

Book an appointmentWrite to info@brokerlink.ch

Let's talk about your situation.

A first conversation to review your business and its needs.

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Related areas

Also worth exploring.

Official sources

General information, as of 2026 — it does not replace personalised advice.