This is what you should expect:
Need to read all product specifications and terms again? Take a look below ↓
Keep the following documents ready:
Listing what you need to know: such as implementation costs and terms and conditions.
You are flexible in who participates
As an employer, you decide to whom you offer this condition of employment. For example, to anyone with an open-ended contract.
You can't force employees
Even if you wanted to: you can never force employees to open a retirement account. That remains the employee's choice.
Bright retirement solution is fiscally attractive
The retirement account (annuity account) with Bright is fiscally attractive. Employees can reclaim the income tax paid on the deposit through the Internal Revenue Service.
Employees are bound by their annual space
The deposit in the retirement account must fall within the annual tax allowance to receive a tax refund. This is calculated based on last year's income. Therefore, employees may have little room to deposit in the first year.
Your employee reports himself or herself
The employee is responsible for filing and receiving tax refunds. This can be done during the annual tax return or through a provisional refund. For employees without their own home or company car, the latter is recommended so that they are invited to file a tax return.
Your employee is responsible
BrightPensioen offers a third-pillar (annuity) solution. This limits the employer's responsibility. The agreement is directly between employee and BrightPensioen.
Contribution on salary
A third-pillar pension contribution goes through a gross supplement to salary. Employees thereby have a higher salary and are socially insured for a higher amount. As an employer, do you choose to collect from the employer? Then the contribution you pay as the employer must be deducted net from the employee's paycheck.
You pay social security contributions and payroll taxes
Because the pension contribution increases the salary, as an employer you pay social charges on the contribution. This is about 20%. For employees who are entitled to allowances, this amount may decrease as their salary increases.
One account moves with you
An employee who leaves employment retains his or her account(s). He or she can continue to make deposits and pay the membership himself or herself. Or choose to take a deposit break and pause membership.
You pass on the mutations
As an employer, you are responsible for reporting changes. For example, when you hire a new employee who wants to register. Or when an employee leaves your employment.
Reimbursement per person per year:
up to 20 employees € 180
Employees 21 to 50 € 160
Employees 51 and over € 150
In addition, you pay a one-time registration fee of €50 per person.
The above implementation costs are excluding VAT.
We invest at cost. And your employees benefit from that! Because by investing at cost, as much of the deposit as possible remains available for their retirement.
Entry fee: 0.08% for each deposit
Ongoing fund fees Income: 0.05% in 2025
Ongoing fund fees Growth: 0.24% in 2025
Exit fee: 0.08% for each withdrawal
