Schemes and types of plans

How are supplementary pensions constituted? Both employees and self-employed persons are entitled to a supplementary pension. A person who works (or has worked) as an employee and self-employed person may establish (or have established) a supplementary pension under both schemes. In 2025, there were 83.056 more members with reserves acquired only in the employee scheme (+ 2.19%). Similarly, the number of affiliates in the category "employees and self-employed" increased by 6.13% in 2024, only the category with only reserves acquired as self-employed decreased (slightly) (-1.59%). Citizens are increasingly mobile over the course of their careers, so that over the years they often build up a supplementary pension in different jobs (in several pension plans). Almost 50% of all members (approximately 2.4 million) have more than one supplementary pension plan. Of those members with only a supplementary employee’s pension, 50% have only one pension plan. Among the (pure) self-employed, this figure is 49%. Members with reservations both as employees and as self-employed persons have, by definition, several supplementary pension plans. Employees can build up their supplementary pension in several types of plans. Between 1 January 2019 and 1 January 2025, there are around 29% more members with a collective business plan. In the same period, there are 33% more affiliates with a sector plan. On 1 January 2025, there were almost 1% fewer members with an individual business plan than in the previous year. The pension plan organiser may entrust the management of pension reserves to an insurer or pension fund (IRP). 3.832.559 persons are affiliated with a pension plan managed by an insurer. Pension funds manage the pension reserves of 2,099,343 members.