工人日报：如何让企业年金“叫好”又“叫座”？

Core Viewpoint - The establishment of enterprise annuity systems is seen as a reflection of high-quality enterprises, providing additional retirement income for employees, but the coverage remains low due to high costs and lack of immediate benefits [1][5][6]. Group 1: Importance of Enterprise Annuities - Enterprise annuities serve as a crucial supplement to the basic pension system, enhancing the income and quality of life for retirees [1][5]. - The current pension system in China consists of three pillars: basic pension insurance, supplementary pension insurance (enterprise annuities and occupational annuities), and individual pension systems [1]. Group 2: Current Status and Challenges - As of the first quarter of 2025, 168,200 enterprises have established enterprise annuity systems, covering 32.9 million employees, with accumulated funds reaching 3.73 trillion yuan, a year-on-year increase of 13.48% [5]. - Despite the growth, the coverage rate of enterprise annuities remains low compared to the first pillar of the pension system [5][6]. Group 3: Barriers to Adoption - High costs, unfamiliar processes, and lack of immediate benefits deter many enterprises from establishing annuity systems [6]. - The need for dedicated teams to manage annuity systems adds to the operational costs, making it less appealing for some companies [6]. Group 4: Recommendations for Expansion - Experts suggest focusing on expanding enterprise annuities in private enterprises, particularly small and medium-sized enterprises, by integrating them into compensation strategies [8]. - Recommendations include increasing the flexibility of contribution rates and allowing gradual implementation of annuity systems [8]. Group 5: Regulatory and Management Aspects - There are calls for improved transparency and management capabilities among financial institutions handling enterprise annuities [9].