How do you correctly inform employees about their pension fund?

Although the detailed obligation to provide information lies primarily with the pension fund in accordance with the Federal Act on Occupational Retirement, Survivors' and Disability Pension Plans (OPA), the employer's role as an intermediary is crucial for creating transparency and ensuring the flow of information.

The legal basis: Who provides what information?

The pension institution is legally required to inform employees annually about the most important aspects via the insurance certificate. According to Art. 86b OPA, this includes:

• Benefit entitlements, coordinated salary, contribution rate, and retirement savings
• Organisation and financing of the pension institution
• Members of the joint governing body
• Information on the exercise of voting rights

The employer's responsibility lies in cooperation. You ensure that this information is received and that employees have a point of contact for basic questions.

The role in practice: Concrete steps

Proactive and transparent communication is not just an obligation, but also an advantage. It builds trust and reduces the administrative workload for the HR department.

Onboarding new employees

Pension fund information should be integrated into the onboarding process as a standard procedure. This creates clarity from the very beginning.

• Clarify responsibility: It should be determined who in the company (e.g., HR department, line managers) is responsible for the initial information.
• Hand over documents: The registration documents from Tellco pk are handed over.
• Hold a brief discussion: A short conversation (approx. 5 min.) serves to highlight the pension solution and explain the insurance certificate as the central document.
• Introduce digital tools: A reference to the ePlix web app allows employees to view their personal pension data at any time.

Ongoing information and digital assistants

The annual insurance certificate is the central information document. You must ensure that it reaches your employees. For a better understanding of the complex figures and terms, employees can be referred to our explainer page on the insurance certificate.

Modern tools significantly simplify communication and administration. With the iTellco employer portal, administrative tasks such as new hires, departures, or salary changes can be handled efficiently online. This can noticeably reduce your administrative workload. At the same time, the ePlix web app gives employees access to their personal pension data at any time and in real time. This promotes transparency and relieves the HR department of routine inquiries.

Data protection and security with digital tools

The security of sensitive pension data is our top priority. Our digital solutions, iTellco and ePlix, meet the strict requirements of the Swiss Federal Act on Data Protection (FADP). All data is hosted securely in Switzerland. Employees have exclusive access to their own personal data. Employers can only see the administrative information necessary for managing the pension plan.

How we support you

The employer's task is to create the framework for a good information culture. You do not have to answer every detailed question yourself. At Tellco, we support you with easy-to-understand documents, secure digital portals, and personal advice. This allows you to meet this responsibility easily and efficiently.

Do you have any further questions? We are here to help.

Contact us