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Rabobank's experts have found that employers are interested in offering pension schemes to their employees, as they are an important recruitment and retention tool and improve both employee benefits and the employer's reputation. At the same time, the high costs involved are a drawback for many companies: a pension scheme can easily cost an employer as much as eight percent of the total wage bill. Start-ups, in particular, find it difficult to afford this, and when given the choice of whether or not to make pension provisions, many choose to forego the option altogether. Pension expert Pierre Baas: 'I recently visited a business owner who said, three years after launching his company: I'm finally at the point now where I'm able to put in place a pension arrangement for my employees.'
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