Germany's corporate pension (betriebliche Altersvorsorge, bAV) has a take-up gap as wide as its coverage gap. Our representative survey of 5,020 employees shows only 45.7% actively contribute — and reveals where employers lose productivity and talent because of it.
Take-up, availability, and awareness all fall short — and one in eight employees doesn't even know where they stand. Data from a YouGov survey of 5,020 employees.
contribute to a bAV
have an offer but don't use it
no offer at all
don't know their status
Stressed employees report losing this much time weekly.
Stressed employees are over twice as likely to be job-hunting.
Pension contributors report less financial stress than non-contributors
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Financial wellbeing shows up on the bottom line twice — less lost productivity and stronger retention. The business case is a people case.
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