Your business grows, contracts are linked and new hiring are essential to meet demand. But behind this positive impulse hides a risk often underestimated …

A planning plan that has become obsolete can cost it a lot.

Poorly tight contributions, insufficient services or ignored legal obligations. So many examples that can cause unforeseen charges or disputes with their employees.

So how can we prevent the management of your Swiss LPP from becoming an obstacle to its development?

We have prepared our best advice, just below! You can follow these key steps to adapt your professional provision to the growth of your business, while limiting your financial risks.

Why adapt your LPP plan during your growth?

Each new contracting, each salary increase or each position position creates new legal and financial obligations. If your forecast plan does not evolve in parallel, it risks:

  • Unforeseen costs Linked to retroactive adjustments.
  • Potential litigation With poorly covered employees.
  • Legal sanctions For breach of Swiss standards in terms of professional provident.

You can easily anticipate these changes and, therefore, maintain healthy management of your social positions.

Key steps to adjust your LPP plan

1. Evaluate your workforce and contracting forecasts

First, it will begin with a precise analysis of your current situation. There is no excuse, you have all the information in your hands! And if you have any questions, you can communicate with our forecast advisor for free.

  • How many employees are currently covered by their LPP plan?
  • Do you plan hiring in the coming months?
  • Are some strategic positions and require improved protection?

ℹ️ Trick : Make an annual audit with your pension fund to verify if your current coverage always meets your current and future needs.

2. Check the thresholds and salary contributions

Growth is almost always accompanied by salary increases. It is valid for both its existing employees and new employees. You are aware that these salary invoice changes directly affect your LPP contributions.

This is what you should monitor:

  • Minimum coordinated salary (CHF 22,050 in 2024) : Any employee who reaches this threshold must be affiliated with LPP.
  • Maximum insured salary (CHF 88,200 in 2024) : Beyond this amount, only additional insurance can offer better protection.

ℹ️ Attention point: Check if key collaborators are sub -struggled due to poorly defined roofs or incomplete services.

3. Adapt services to your real risk

Respecting the legal minimums is one thing, but that is not always enough to ensure your business. Depending on the field of activity of your company and/or your workforce, you can consider reinforced services, such as:

• Better disability coverage In case of long -term accident or disease.

• Extended Death Services To protect the families of their employees.

• A more comfortable retirement Thanks to additional contributions.

ℹ️ Concrete example: If your business has recently hired senior executives, you can strengthen your pension to avoid expensive resignations in case of disability or death.

4. Collaborate closely with your pension fund

Your pension fund is a key partner to maintain a professional forecast adapted to your business. For good, safely according to the best Swiss pension funds!

So be sure that she regularly informs you about:

  • New legal obligations.
  • The necessary adjustments Linked to its workforce and salary.
  • Personalized solutions To ensure your business without exploiting your budget.

Avoid expensive errors (and useless!))

Here are 3 errors that we see frequently in our insured, and that we strive to remember as soon as possible.

1. Ignore progressive changes
Even moderate growth requires regular monitoring of its LPP plan. Avoid late adjustments as much as possible!

2. Underestimating legal obligations:
Not only respect the legal minimum. Consider the provident of your employees as yours! Employees are more concerned and sensitive to their financial future. Do you think it is a detail? Surely not for the perfect candidate you are trying to recruit …

3. Forget about renegotiate regularly:
Your LPP contract is not frozen. It can (and must) compare offers to obtain better forecast conditions. His future and that of his employees is preparing now!

Anticipate and adapt your plan is easy!

Whatever the growth rate of your business, has understood the importance of anticipating the adjustments of your LPP plan. Good news, set aside the unpleasant financial and legal surprises.

However, choose The good LPP box will be your best asset To facilitate your task!

Well dense support it in this process by offering Solutions adapted to your forecast needs. Ensure the stability and safety of your business today to better build your future and retirement.