Activity/organization/distribution structure
Employee savings plans are a form of collective savings open to professionals and small businesses seeking to optimize their taxation, and to large companies seeking to optimize their employment and wage policies.
Companies can offer their employees incentives in the form of:
- a bonus linked to the company's performance;
- a share of the profits.
Employees can choose between direct payment or payment into a medium-term employee savings plan or a pension savings plan.
Companies can also boost their employees and managers’ personal savings by offering an employer contribution, which is more tax-efficient than a salary paid in cash.
All of these offers and services are marketed via the Crédit Mutuel and CIC branch networks.
Administration is carried out on behalf of employers and savers by Crédit Mutuel Épargne Salariale, a Crédit Mutuel Alliance Fédérale subsidiary that specializes in the management and custody of employee savings plans.
