Schemes and types of plans

How are supplementary pensions constituted? Both employees and the self-employed can build up a supplementary pension. Someone who works (or has worked) as an employee and as a self-employed person can build up (or have built up) a supplementary pension under both schemes. In 2024, there were 120,778 additional members with reserves acquired only in the employee scheme (+3.29%). Similarly, the number of members in the category "employees and self-employed" increased by 6.56% in 2024, only the category with only reserves acquired as self-employed decreased (slightly) (-2.09%). Citizens are increasingly mobile during their careers, so over the years they often build up a supplementary pension in different jobs (in several pension plans). Almost 52% of all members (around 2.3 million) have more than one supplementary pension plan. Of those members with only a supplementary employee’s pension, 51% have only one pension plan. Among the (pure) self-employed, this figure is 49%. Members with reserves 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 2018 and 1 January 2024, there are around 31% more members with a collective business plan. In the same period, there are 26% more affiliates with a sector plan. As of 1 January 2024, there are almost 1% fewer members with an individual business plan compared to the previous year. The organiser of the pension plan may entrust the management of the pension reserves to an insurer or a pension fund (IRP). 3,707,170 people are affiliated to a pension plan managed by an insurer. Pension funds manage the pension reserves of 2,039,611 members.