You can expect this:
Read all product specifications and conditions again? Look below ↓
Keep the following documents at hand:
Here is a summary of what you need to know, including administrative fees and terms and conditions.
You are flexible in who is participating
As an employer, you decide to whom you offer this employment benefit—for example, to all employees with a permanent contract.
You cannot compel employees
Even if you wanted to, you can never require employees to open a pension account. It remains the employee’s choice.
BrightPensioen solutions are tax-efficient
The pension account (annuity account) with Bright is tax-efficient. Employees can reclaim the income tax paid on their contributions through the Belastingdienst.
Employees are bound by their annual space
Contributions to the pension account must fall within the annual tax allowance to qualify for a tax refund. This is calculated based on the previous year’s income. As a result, employees may have limited contribution room during their first year.
Your employee registers themselves
The employee is responsible for their own registration and tax refund. This can be done during the annual tax return or through a provisional refund. For employees without a personal home or company car, the latter is recommended to ensure they are invited to file a tax return.
Your employee is responsible
BrightPensioen offers a third-pillar (annuity) solution, which limits the employer’s responsibilities. The agreement is made directly between the employee and BrightPensioen.
Contribution based on salary
A third-pillar pension contribution is made via a gross addition to the salary. This means employees have a higher gross salary and are socially insured for a higher amount. If you, as an employer, choose to collect contributions through payroll deduction, the amount you pay as an employer must be deducted net from the employee’s payslip.
You pay social security charges and payroll tax
Because the pension contribution increases the salary, you as an employer will pay social security contributions on the contribution, which is approximately 20%. For employees entitled to benefits, this amount may decrease if their salary increases.
An account can be transferred.
An employee who leaves the company retains their account(s). They can continue to make contributions and pay for the membership themselves, or choose to pause contributions and suspend the membership.
You submit the changes.
As an employer, you are responsible for reporting changes—for example, when hiring a new employee who wishes to register, or when an employee leaves the company.
Reimbursement per person per year:
up to and including 20 employees € 180
employee 21 to 50 € 160
employee 51 and further € 150
Additionally, you pay a one-time registration fee of €50 per person.
The above implementation costs are excl. VAT.
We invest at cost price, and your employees benefit from this! By investing at cost price, as much of the contribution as possible remains available for their pension.
Entry fee: 0.08% for each deposit
on current fund costs Income: 0.05% in 2025
ongoing fund costs Growth: 0.24% in 2025
Expenses allowance: 0.08% for each admission
