Retirement & Employee Savings: enhancing employer attractiveness and retention

Preparing for retirement has become a key challenge for both companies and employees.

MIA Assurances supports companies in implementing solutions tailored to their specific needs.

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Introduction & Challenges

Retirement & employee savings: key pillars of your social policy

Supplementary retirement and employee savings schemes complement existing employee benefits solutions (health, disability & life, executive insurance).

 

When well designed and properly managed, they enable companies to:

  • Address long-term financial retirement challenges
  • Offer attractive deferred compensation
  • Benefit from an optimised tax and social framework
  • Strengthen the overall consistency and clarity of the HR policy

Understanding the solutions

Understanding the schemes

Preparing for retirement has become a key concern for both companies and employees.

Supplementary retirement and employee savings schemes complement mandatory systems and sustainably strengthen the attractiveness of a company’s social policy.

Supplementary group retirement schemes

Supplementary retirement schemes allow employees to build additional retirement income, funded by the employer and/or the employee, within a regulated tax and social framework.

They are part of a deferred compensation strategy and support long-term retention.

Employee savings schemes

Employee savings include mechanisms such as profit-sharing, incentive schemes, employer matching contributions and savings plans (PEE, PER).

They allow employees to share in the company’s performance and benefit from attractive, tax-efficient savings solutions.

Available solutions

Complementary and flexible solutions
  • In response to changes in retirement systems and employee expectations, companies now have access to several complementary tools to build long-term employee benefits strategies
  • These solutions can be combined and tailored to each organisation, depending on its size, strategy and HR objectives
  • Group supplementary retirement schemes
    Solutions designed to build additional retirement income within an optimised framework
  • Retirement savings plans (PER)
    Collective PER and mandatory PER (PERO), with flexible exit options (annuity and/or lump sum)
  • Focus – PERO: a structuring tool
    The mandatory PER (PERO) helps build a collective retirement strategy aligned with the company’s social policy and retention objectives
  • Employee savings schemes
    Profit-sharing, incentive schemes, employer matching and savings plans, integrated into a broader compensation and engagement strategy

MIA Approach

Structuring, securing and managing your schemes

Our support is based on:

  • Analysis of your HR, financial and regulatory challenges
  • Selection of solutions tailored to your organisation
  • Legal compliance (company unilateral decisions, collective agreements)
  • Operational support (payroll integration, configuration)
  • Employee communication
  • Ongoing monitoring and adjustments over time

value for the company & employees

These schemes combine social performance, attractiveness and long-term planning

Benefits for the company

  • Attractive compensation lever to support retention
  • Optimised tax and social framework
  • Strengthening employer brand
  • Alignment with long-term HR strategy

Benefits for employees

  • Additional retirement income
  • Favourable tax framework
  • Secure and gradual savings
  • Better visibility over their financial future

FAQ

We answer your questions about retirement & employee savings

All our answers
Is supplementary retirement mandatory?
No, but it is a strategic lever for employee benefits and long-term retention.
Are these schemes tax-efficient?

Yes, within a strictly regulated framework.

Are these schemes limited to executives?

No. They can be opened to different categories of employees, subject to regulatory conditions.

One solution for every profile

You are a

Foreign Company in France

You are a

Founder & Small Business

You are a

SME & Mid-Cap Company

You are an

Executive and Self-Employed Professional

You are a

Prospective Partner

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