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Your employees are worth their weight in gold. But how do you reward them in a way that truly counts, today and tomorrow? A cash bonus sounds nice, but most of it disappears in taxes and social charges. A waste of your budget, and of their reward. You spend a lot, but your people feel little of it.
With an AG Employee Benefits bonus plan, your employees receive more net pay, while you pay less. You reward performance now while encouraging them to plan for financial security in retirement - a powerful signal in times of pension reform.
What is a bonus plan?
A bonus plan converts part (or all) of your variable pay into a premium for the group insurance. You reward today’s achievements while your people save for tomorrow. They keep more in their pocket than with a traditional cash bonus, and you show that you value both their efforts and their future.
The bonus that sticks
With an AG bonus plan, every euro works harder:
- More net for your employees: around 75% of the bonus remains net, compared with just 30% for cash.
- Lower employer costs: only 13.3% social contributions instead of 25%.
- Flexible: you decide who to reward, how much, and how, based on your own criteria.
- Sustainable: premiums are responsibly invested according to ESG principles.
- Lasting appreciation: your employees see in black and white that you think beyond one-off bonuses.
How it works
You decide how to structure your plan:
- For selected employees or your entire workforce.
- Choose from three approaches:
- Innovative: access to financial markets with a certain peace of mind.
- Balanced: you set the amounts, returns and reserves.
- Flexible: your employees choose within your framework.
- Invest in Branch 21 (security), Branch 23 (higher return potential), or a mix of both.
- Seamlessly complements your existing pay policy.
AG supports you every step of the way, from setup to management. and with AG EB Online, you stay fully in control.
An advance from the bonus? That’s possible!
A bonus plan is more than long-term saving. Under certain conditions, your employees can already take an advance from their bonus plan to:
- buy or renovate a home;
- (partially) repay a mortgage.
That way, they can enjoy the fruits of their work today.
Visible investment, tangible impact
With the MyAG Employee Benefits app, employees have full visibility at their fingertips:
- Simulate their bonus value at retirement.
- Understand how an advance would affect their plan.
- See exactly how much extra they gain.
Encourage them to download the app. They’ll instantly see the value of what you’ve arranged for them.
Internal communication toolkit
Do you want your employees to truly see and feel what you’re doing for them? Make your benefits package at AG visible with MyAG Employee Benefits.
This toolkit contains everything you need to inform and engage your employees — from brochures and flyers to email templates and more. That way, they understand their benefits, make the most of them, and genuinely learn to appreciate them.
Download. Share. Done.
The result?
- Greater adoption of MyAG Employee Benefits
- Increased appreciation of your benefits package
- Higher employee satisfaction
Ready to make your bonus policy smarter?
You can keep paying cash bonuses that vanish in taxes, or choose a solution that costs you less, delivers more, and strengthens your employer brand.
Contact us today to make your reward policy futureproof.
Or consult our FAQ on the bonus plan for more details.