Pension advice for employers

A good pension scheme is an important employee benefit and a significant financial commitment for your company. Our pension advisors help employers in the Netherlands set up, change and renew their pension schemes. We provide independent advice, compare pension providers and make the financial and practical consequences of your choices clear.

Whether you are setting up a pension scheme for the first time or reviewing an existing scheme, we help you make choices that suit your company and your employees.

Request a quote for pension advice

When do employers need pension advice?

There are several situations in which you may need advice about your company pension scheme. Perhaps you are hiring your first employees and want to introduce a pension scheme. Your current pension contract may be approaching its renewal date, or changes within your company may require you to review the existing arrangements.

The Dutch pension reform is another important reason to review your pension scheme. Existing schemes must comply with the new pension rules by 1 January 2028.

Our pension advisors can help you with:

• Setting up a new pension scheme
• Changing an existing pension scheme
• Renewing an expiring pension contract
• Adapting your scheme to the Dutch pension reform
• Comparing pension providers
• Reviewing the costs and conditions of your current scheme
• Involving the Works Council in changes to the pension scheme
• Communicating pension changes to your employees

Independent pension advice for employers

Choosing a pension scheme involves more than comparing pension contributions. The scheme should suit your workforce, employment conditions, budget and plans for the future.

We guide you through the entire process. First, we look at your company, employees and current pension arrangements. We then discuss your objectives and the choices available to you. Where relevant, we compare pension providers and explain the differences in costs, conditions and benefits.

This gives you the information you need to make a well-informed decision about your company pension scheme.

The benefits of independent pension advice

As an independent pension advisor, we can compare different pension providers and solutions. Our advice focuses on finding a pension scheme that fits your organisation and employees.

Working with pensioen.com gives you:

• Independent advice on your pension scheme
• Comparison of suitable pension providers
• Clear insight into costs, conditions and choices
• Guidance throughout the entire advisory process
• Support with employee communication
• Support when involving the Works Council
• Specialist knowledge of Dutch pension legislation

We work on the basis of an hourly rate or an agreed fixed fee, so you know in advance how our pension advice is charged.

Setting up a pension scheme for your employees

Are you introducing a pension scheme for the first time? We help you determine what type of scheme suits your company and employees.

Before choosing a pension provider, it is important to establish whether your company is required to participate in an industry-wide pension fund. If that is not the case, you have more freedom to design your own pension scheme.

We help you determine the appropriate pension arrangements, compare providers and support you with the implementation and communication to your employees.

Changing or renewing your company pension scheme

A pension scheme is usually agreed for a certain period. When your pension contract approaches its renewal date, it is a good opportunity to review the arrangements.

Have your company, workforce or employment conditions changed? Are there new legal requirements? Or do you want to reconsider the costs or benefits? We analyse your existing pension scheme and help you assess the available options.

When selecting a pension insurer or Premium Pension Institution (PPI), we can compare suitable providers and their proposals.

Dutch pension reform: what does it mean for employers?

The Dutch pension system is changing. The Dutch pension reform affects many employers and their existing pension schemes. Depending on your current arrangements, changes may be required before 1 January 2028.

Changing a pension scheme takes time. Employers may need to make choices about contributions, compensation and transitional arrangements. Employees and the Works Council may also need to be involved.

Our pension advisors can assess what the new pension rules mean for your company and help you prepare your pension scheme for the new system.

Read more about the Dutch pension reform

Pension advice and the Works Council

Changes to a pension scheme can require the involvement of the Works Council (Ondernemingsraad or OR). The exact role of the Works Council depends on the situation and the type of pension arrangement.

We help employers prepare the proposed changes, explain their consequences and support communication with the Works Council. Pensioen.com also provides independent pension advice directly to Works Councils.

Second opinion on a pension proposal

Already received a proposal for a new or renewed pension scheme? A second opinion can help you assess the proposal before making a decision.

We can review the proposed pension scheme, costs, conditions and provider. You will receive an independent assessment and a clear explanation of the points that deserve your attention.

Pension advice for international employers in the Netherlands

The Dutch pension system can be complex, especially for international companies with employees in the Netherlands. Pension obligations depend on factors such as your industry, collective labour agreements and the employment conditions you offer.

Our pension advisors understand the Dutch pension system and explain your options in clear English. We can help you determine your pension obligations and set up or review a pension scheme for employees in the Netherlands.

Request pension advice for your company

Looking for independent pension advice for your company? Our pension advisors can help you set up, change or renew your pension scheme and guide you through the choices involved.

Tell us about your situation and we will discuss how we can help.

Request a quote