# BVG analysis: pension fund for SMEs without commissions – innoVorsorge AG

> Independent analysis of your Swiss company's occupational pension (BVG) solution, with a final report and action plan. Fee only, no broker commissions. From CHF 990.

Adresse: https://www.innovorsorge.ch/en/business/bvg-analysis

Diese Fassung wird beim Bau aus dem Inhalt der Seite erzeugt.

---

![](https://www.innovorsorge.ch/bilder/IMG_2039-2-e2dec978.jpg)

## BVG analysis

# Your company's pension fund, reviewed without commissions
We analyse your current occupational pension (BVG) solution, review its settings and set-up and set out in a final report what makes sense for your company. You pay our fee only.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=bvg) from CHF 990

No commissions, no brokerage fees

## Who is the BVG analysis for?

### You are hiring staff for the first time
and must insure employees earning more than CHF 22'680 a year (2026) in a pension fund.

### You are employed by your own GmbH or AG
and need a pension solution for yourself and your team.

### Your current solution is getting old
and you want to know whether costs, benefits and interest still add up.

## What we look at
Small and medium-sized companies usually join a collective or joint foundation (Sammelstiftung). The offers differ more than they seem to at first glance.

### Your current solution
We review your affiliation contract and pension regulations: who is insured, contributions, benefits, costs and interest. If you have no pension fund yet, we clarify whom you must insure: employees earning more than CHF 22'680 a year (2026), with the company paying at least half of the contributions.

### Plan settings
Insured salary and coordination deduction, savings contributions by age, death and disability benefits, the split of contributions, and possibly a separate plan for management. These choices determine what your solution costs and provides.

### Working out the right solution
From the analysis we derive what makes sense for your company: whether the current solution fits, whether a plan change is enough or whether switching pension provider pays off.

### Final report
You receive a written report with our assessment and an action plan that lets you take the next steps yourself.

## Process
How the BVG analysis works

[Contact form](https://www.innovorsorge.ch/en/business/contact?thema=bvg)

Documents on your
current solution

First meeting
position and set-up

Review and the right solution
worked out by innoVorsorge AG

Final report with
action plan

Done: you have
everything you need

BVG plan change

BVG tender

- [Contact form](https://www.innovorsorge.ch/en/business/contact?thema=bvg)
- Documents on your current solution
- First meeting position and set-up
- Review and the right solution worked out by innoVorsorge AG
- Final report with action plan
- Done: you have everything you need
- BVG plan change
- BVG tender

## Price

### BVG analysis
from CHF 990

First meeting, analysis of your current solution, assessment of what makes sense for your company, and a final report.

The effort depends on the size of your company and on what you need. If we then support you in implementing a BVG plan change or a full BVG tender with an independent comparison, we quote it to fit your needs, billed by the hour at CHF 190.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=bvg)

## Why without commissions
In the occupational pension market, most brokers are paid through commissions from the providers. The commission is paid year after year for as long as the contract runs and is financed through the administration costs of the pension solution. The advice then looks free to you, but it is paid for all the same.

We take neither brokerage fees nor commissions. You pay our fee once, and we have no stake in which provider wins the contract. Support of this kind is rare in the BVG market.

## Pensions for your team, chosen transparently
Tell us how many people you want to insure and where you stand today. We will get back to you within 24 hours.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=bvg) +41 76 361 84 44

kontakt@innovorsorge.ch

### Frequently Asked Questions:

#### When do I have to insure my employees in a pension fund?
+ − As soon as someone earns more than CHF 22'680 a year with you (2026 figure) and the employment lasts longer than three months. Death and disability are covered from 1 January after the 17th birthday, retirement savings from 1 January after the 24th birthday.

#### Can I insure myself as a self-employed person without staff?
+ − Yes, voluntarily: with your trade association's pension scheme or with the substitute occupational benefit institution (Auffangeinrichtung). The alternative is the large pillar 3a with up to 20% of earned income, at most CHF 36'288 (2026). Which fits better is something we work out in the advanced package or an individual consultation.

#### Brokers compare for free. Why do I pay you a fee?
+ − Brokerage is only free at first glance. The broker receives a commission from the chosen provider for as long as the contract runs, and it flows into your pension solution through the administration costs. With us you pay a fee once and know what the advice costs.

#### What does the BVG analysis cost?
+ − From CHF 990 for the analysis and final report. The exact price depends on the size of your company; you receive it after the first meeting. A plan change or a tender is quoted separately by the hour, at CHF 190 per hour.

#### Can we switch pension fund at any time?
+ − No. The affiliation contract has terms and notice periods, and terminating it requires the consent of your staff or their representatives. We review your existing contract and plan the switch for a suitable date.

#### Do you sign the contract with the provider?
+ − Your company signs the contract directly with the chosen pension institution. We prepare the decision, review the contract with you and support the implementation.

### BVG plan change

The right solution is settled in the BVG analysis. With the plan change we take care of the implementation: we prepare the change, notify your pension fund and support you and your team with questions until the new plan applies.

Quoted by the hour, at CHF 190 per hour.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=bvg)

### BVG tender

We approach suitable pension funds, compare the offers on the same criteria, handle the communication with the providers and choose the right solution together with you.

Changing pension provider requires the consent of your staff and must respect the notice periods of the existing affiliation contract. We plan the timing with you.

Quoted by the hour, at CHF 190 per hour.

[Get in touch](https://www.innovorsorge.ch/en/business/contact?thema=bvg)