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Interest of companies with less than 50 employees for employee savings and retirement following the pact law

97 Pages

French

PDF

Release :

2020-06-01

How can we raise awareness and convince companies with fewer than 50 employees to equip themselves with employee savings and retirement products?

AUTHOR

Bertrand MINOT

Studies project manager

  • Identify the reasons for not equipping the company with employee savings and company retirement.

  • Investigate their level of information about the changes made by the PACTE law and identify their sources of information and especially what they learned from it.

  • Understand the potential effect of the PACTE law on the appetite/desire/interest to equip the company with employee savings and/or company retirement and understand these motivations for change.

  • Understand the legitimacy granted in employee savings and company retirement to the different categories of market participants and the role possibly assigned to brokers and accountants.

  • Test the arguments deployed by banks and insurers in their direct marketing campaigns or on their websites.

  • Identify expectations in terms of support for the implementation of company savings schemes.

Objectives of the study

Companies analyzed

Study methodologies

Une enquête quantitative auprès de 1 000 français

Comportement et attentes des français en matière de prévention habitation

Benchmark d’une quinzaine d’espaces internet et applications mobiles en épargne salariale et retraite d'entreprise (PEE, PERCOL, PERO)

Benchmark des espaces de gestion en épargne salariale et retraite collective

  • Comprendre de quelle manière les réseaux de vente sont organisés, accompagnés et animés pour la vente d’assurances prévoyance individuelles.


  • Analyser la dynamique commerciale mise en place pour équiper les clients et/ou prospects : temps forts, événements, offres ponctuelles et permanentes.


  • Relever les différentes pratiques et démarches des conseillers pour commercialiser les offres : ciblage, opportunités commerciales, cycle d’équipement,….


  • Réaliser des focus par type d’assurances : GAV, temporaire décès, dépendance et obsèques.

Benchmark des pratiques de vente d’assurances prévoyance individuelles en agence

I. ÉLÉMENTS DÉCLENCHEURS DE CHANGEMENT D’ASSUREUR

II. CRITÈRES DE SÉLECTION

III. PROCESSUS SUIVI

IV. VOLATILITÉ POTENTIELLE

Enquête quantitative en ligne auprès de 1000 retraités ayant changé d’assureur santé au cours des 3 dernières années.

Analyse des élements déclencheurs et des parcours clients.

Enquête changement d'assureur santé des retraités 2023

Aucune société analysée

Aucune société analysée

Qualitative study: 20 telephone interviews with business leaders with fewer than 50 employees

20 Business leaders not equipped with employee savings and/or company retirement, but all interested/aware of employee savings and/or company retirement/
All having at least heard of the PACTE law (50% having vaguely heard of the PACTE law / 50% being documented (by themselves or having received documentation) on the PACTE law.

Different sectors and company sizes investigated

10 VSEs with fewer than 10 employees / 10 SMEs between 10 and 50 employees
10 operating in service / 5 operating in commerce / 5 operating in construction

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