{"id":2835,"date":"2026-11-04T16:17:45","date_gmt":"2026-11-04T15:17:45","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2835"},"modified":"2026-11-04T16:17:45","modified_gmt":"2026-11-04T15:17:45","slug":"pres-dun-employeur-sur-deux-ne-propose-pas-de-dispositif-de-retraite-a-ses-salaries","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/pres-dun-employeur-sur-deux-ne-propose-pas-de-dispositif-de-retraite-a-ses-salaries","title":{"rendered":"Pr\u00e8s d\u2019un employeur sur deux ne propose pas de dispositif de retraite \u00e0 ses salari\u00e9s"},"content":{"rendered":"<p>La retraite a beau \u00eatre l\u2019une des pr\u00e9occupations des Fran\u00e7ais, elles n\u2019int\u00e9ressent pas beaucoup leurs employeurs. D\u2019apr\u00e8s une \u00e9tude, pr\u00e9sent\u00e9e le 4 novembre 2026 par le cabinet de courtage et de conseil en ressources humaines WTW et men\u00e9e aupr\u00e8s de 79 entreprises clientes, 46% d\u2019entre elles reconnaissent ne pas avoir mis en place un dispositif d\u2019\u00e9pargne retraite collective au b\u00e9n\u00e9fice de leurs salari\u00e9s.<\/p>\n<p>Plus les entreprises sont petites et moins elles sont \u00e9quip\u00e9es d\u2019un r\u00e9gime facultatif de retraite suppl\u00e9mentaire qui vient s\u2019ajouter aux r\u00e9gimes de retraite de base et de retraite compl\u00e9mentaire obligatoires. Si seuls 26% des groupes employant plus de 2\u00a0500 salari\u00e9s ne proposent pas d\u2019\u00e9pargne retraite collective, le pourcentage monte \u00e0 42% pour les entreprises de 1\u00a0000 \u00e0 2\u00a0500 salari\u00e9s, \u00e0 47% pour celles de 500 \u00e0 1\u00a0000 salari\u00e9s et culmine m\u00eame \u00e0 67% pour celle de moins de 500 salari\u00e9s.<\/p>\n<p>Le faible \u00e9quipement des petites et moyennes entreprises (PME) et des tr\u00e8s petites entreprises (TPE) en retraite suppl\u00e9mentaire n\u2019est pas nouveau. \u00ab\u00a0Les TPE-PME ne disposent pas, bien s\u00fbr, des m\u00eames moyens que les grands groupes. Mais il n\u2019y a pas que le frein financier. Elles ont tendance \u00e0 appr\u00e9hender les dispositifs d\u2019\u00e9pargne retraite avant tout comme un co\u00fbt et non comme un moyen de fid\u00e9liser leurs collaborateurs\u00a0\u00bb, analyse Val\u00e9ry Bassong, directeur du d\u00e9partement \u00e9pargne entreprise chez WTW France.<\/p>\n<p>Pour le dirigeant, il faudrait mettre en place une \u00e9pargne retraite collective obligatoire dans l\u2019ensemble des entreprises fran\u00e7aises, quelle que soit leur taille, sur le mod\u00e8le de la <a href=\"https:\/\/www.toutsurmesfinances.com\/assurance\/mutuelle-sante-d-entreprise-obligatoire-mais-des-cas-de-dispense-existent.html\" target=\"_blank\" rel=\"noopener\">compl\u00e9mentaire sant\u00e9<\/a>. D\u00e8s lors qu\u2019une entreprise emploie un salari\u00e9, elle doit proposer, depuis le 1er janvier 2016, une \u00ab mutuelle \u00bb \u00e0 ses collaborateurs, dont elle doit prendre en charge au moins 50% de la cotisation.<\/p>\n<p>Parmi les 54% d\u2019entreprises \u00e9quip\u00e9es, 41% proposent un dispositif de retraite suppl\u00e9mentaire, deux dispositifs pour 9% d\u2019entre elles, trois dispositifs pour 1%, quatre dispositifs ou plus pour 3%. Il s\u2019agit dans 47% des cas d\u2019un <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-epargne-retraite-per.html#PER_obligatoire_PERO_PERob_ou_PERcat_remplacant_de_larticle_83\" target=\"_blank\" rel=\"noopener\">plan d\u2019\u00e9pargne retraite obligatoire<\/a> (PERO), \u00e0 24% d\u2019une retraite suppl\u00e9mentaire \u00e0 cotisations d\u00e9finies (ou \u00ab\u00a0article 83\u00a0\u00bb), \u00e0 17% d\u2019une retraite suppl\u00e9mentaire \u00e0 prestations d\u00e9finies (\u00ab\u00a0article 39\u00a0\u00bb) et \u00e0 7% d\u2019un sursalaire (\u00ab\u00a0article 82\u00a0\u00bb).<\/p>\n<p>\u00c0 savoir\u00a0: ces donn\u00e9es ne prennent pas en compte l\u2019\u00e9pargne salariale, dont le plan d\u2019\u00e9pargne retraite collectif (PERCOL).<\/p>\n<p>JP \/ LF<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon une \u00e9tude du courtier WTW, 46% des entreprises interrog\u00e9es ne sont pas \u00e9quip\u00e9es d\u2019un r\u00e9gime de retraite suppl\u00e9mentaire \u00e0 l\u2019attention de leurs collaborateurs. Ces contrats collectifs facultatifs viennent en compl\u00e9ment des r\u00e9gimes de retraite obligatoires.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2835","post","type-post","status-publish","format-standard","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00e8s d\u2019un employeur sur deux ne propose pas de dispositif de retraite \u00e0 ses salari\u00e9s<\/title>\n<meta name=\"description\" content=\"Selon une \u00e9tude WTW, 46% des entreprises ne proposent pas de retraite suppl\u00e9mentaire \u00e0 leurs salari\u00e9s, surtout parmi les TPE-PME.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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