The contribution rate--the average percentage of salary employees contributed--also held steady at 7.3%.
More than a quarter of those in the lowest-income quartile who had previously not been successful under the 3% default contribution rate would be successful under the 6% rate.
The average employer contribution rate rose this year to almost 21 percent of salary for most public workers and nearly 29 percent for police and firefighters.
The government wants to cap overall employer contributions to the civil service scheme at a maximum of 20%, just slightly more than the current average contribution rate of 19.4%.
Garanti Pension and Life used Microsoft Dynamics CRM to establish a 360-degree customer view and streamline key processes, which, in turn allowed them to reduce customer service resolution times by 75%, improve sales efficiency by 25%, and ultimately increase the average customer contribution rate by 43%.
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As the new scheme will be cheaper to finance, the employer's contribution rate should decline steadily to 18.1% of the civil service salary bill as its membership builds up.
For example if your company supports a disaster recovery effort, the company may increase the maximum contribution, or match at a higher rate for the duration of the campaign.
"My understanding is that the Russian government is ready to make a contribution with an extension of the loan and a reduction of the interest rate, " said the EU's top economic official, Olli Rehn.
If you qualify, you would get a flat-rate contribution that would be the same for everyone, no matter what their income was.
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In response, nearly one-quarter of employers plan to make changes to their automatic feature in 2012, including an automatic contribution escalation feature and increasing the initial default rate.
For example, receiving a 50% matching contribution is the equivalent to earning a 50% rate of return instantly.
The ROH had warned that if it did not take steps to curtail the cost of its pension scheme, then its own contribution rate might have to rise from 15% of salaries to 26%, which it said it could not afford.
Employers, who normally share with the worker welfare costs amounting to nearly 42% of gross wages, would pay a flat-rate contribution of 25% on jobs up to euro400, reduced to 12% for mini-jobs (cleaners and au pairs, for example) in private households.
Second, see if your plan has a contribution rate escalator, which allows you to have your contributions slowly raised periodically until you reach your target contribution rate. (Of course, it only takes a few minutes each year to do the same thing manually on your own.) Going from 6% to 15% (which many retirement experts recommend as a target saving rate) may sound impossible, but how about a 1% increase?
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