Companies are constantly looking for ways to motivate and retain their employees. Employee savings plans appear as an effective solution to meet these needs. They allow employees to build wealth while enjoying tax benefits.
Various options exist for those who wish to invest in this type of savings. Between the company savings plan (PEE), the collective retirement savings plan (PERCO), and many others, each scheme has its own specific features and advantages. These solutions offer interesting flexibility, tailored to the diverse objectives of employees, whether short, medium, or long term.
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The advantages of employee savings
Employee savings offer several benefits to employees and companies. At the heart of these schemes are profit-sharing, incentives, and company contributions.
Profit-sharing
The company redistributes a portion of its annual profits to its employees in the form of bonuses. This mechanism encourages employees to engage more in the company’s success while allowing them to benefit from the fruits of their labor.
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Incentives
Incentives are based on collective performance objectives. The annual bonuses paid are directly linked to the company’s results. This scheme is particularly motivating and strengthens team spirit.
Company contributions
Company contributions are an additional contribution from the company that complements the payments made by employees. This mechanism encourages employees to save more, thanks to the leverage effect it provides.
Impact of the “Value Sharing” law
Published on November 29, 2023, this law introduces favorable changes for employee savings. It aims to broaden access to these schemes and enhance their attractiveness for employees.
Statistics and trends
According to a DARES study in 2023, profit-sharing and incentives are on the rise. The employee savings schemes at La Poste illustrate this trend well, with increasing adoption among employees.
- Profit-sharing: Redistribution of profits in the form of annual bonuses.
- Incentives: Bonuses linked to the company’s results.
- Company contributions: Additional contribution from the company to employee payments.
The different employee savings options
Company savings plan (PEE)
The company savings plan (PEE) is a flexible option for employees wishing to build a portfolio of securities. This optional scheme allows for medium-term savings, generally locked in for five years. The amounts paid can come from various sources: profit-sharing, incentives, voluntary employee contributions, and company contributions.
Inter-company savings plan (PEI)
The inter-company savings plan (PEI) is a variant of the PEE, tailored for small and medium-sized enterprises. It pools resources and simplifies fund management. The PEI offers the same tax and social advantages as the PEE while being more accessible to smaller structures.
Collective retirement savings plan (PERCO)
The collective retirement savings plan (PERCO) aims to prepare for employees’ retirement. This scheme allows for savings in the form of an annuity or capital, with funds locked until retirement, except in cases of early release provided by law. The PERCO also benefits from tax advantages for both employees and companies.
Retirement savings plan (PER)
Introduced in October 2019, the retirement savings plan (PER) comes in two versions: the collective company PER and the mandatory company PER. The collective company PER is accessible to all employees, while the mandatory PER concerns certain employees defined by the company. This scheme allows for retirement savings while enjoying favorable tax conditions.
- PEE: Portfolio of securities.
- PEI: Variant of the PEE for SMEs.
- PERCO: Savings for retirement in the form of an annuity or capital.
- PER: Collective or mandatory retirement savings plan.