Scope research pension fund

Have you been contacted by an industry pension fund for mandatory membership?

If you have already been identified by an pension fund, it is crucial to determine your strategy before submitting any information. It is advisable to conduct an independent investigation into the scope of application. The scope investigation will result in one of the following three conclusions:

• No mandatory affiliation is required
• Affiliation is mandatory
• The investigation is inconclusive

Based on the outcome of the scope investigation, an expert can advise you about the best actions you should take.

Navigating pension obligations across different sectors

Our experts are specialized to determine if your company must affiliate with a specific industrial pension fund by analyzing your business activities in relation to the fund’s defined scope. It can be challenging to determine obligations for companies operating across multiple sectors. Our thorough scope investigations ensure that your company complies with all mandatory pension obligations.

What is a scope investigation?

A scope investigation involves comparing the activities of your company to those defined under the mandatory participation requirements of a pension fund. We conduct this investigation using several sources of information such as Chamber of Commerce extracts, company statutes, industry classifications and a detailed inventory of activities. If the pension fund uses a predominant activity criterion, we also examine payroll, revenue and working hours.

Preventive and validation scope investigation

By conducting a preventive or validation scope investigation, you can identify the risks of mandatory affiliation with an industry pension fund. Participation can be claimed retroactively, making it crucial to determine how long you have performed activities under the fund’s mandate or if there have been change in the mandatory requirements over time. If an employee can prove they worked for a company that should have been affiliated with an industrial pension fund, they may claim pension benefits without having paid any contributions. The pension fund will recover the costs from the employer.

Scope investigations help determine how far back such obligations extend, and identifying these risks early is essential for employers to avoid significant costs.