Pensions & Super Cost in Frankfurt (2026)
Quick Answer
Partially verifiedIn Frankfurt, the most concrete, publicly documented pension-related cost is the statutory German pension insurance contribution: 18.6% of gross pay in total, usually split equally between employer and employee at 9.3% each. For occupational pensions (betriebliche Altersversorgung) and private pension advice or setup, exact public pricing is often not standardised, so costs are typically estimated as employer administration fees, provider product charges, or adviser hourly/project fees rather than a single fixed market price.
Overview
For a business in Frankfurt, “pensions & super” usually means three separate cost areas: statutory pension insurance, occupational pension schemes for employees, and advisory/administrative support for setting up or reviewing pension arrangements. The statutory element is the clearest: Germany’s gesetzliche Rentenversicherung has a contribution rate of 18.6% of pensionable gross salary, generally shared 50/50 by employer and employee. In practice, this is the baseline pension cost every employer in Frankfurt needs to understand. Beyond that, many employers also look at occupational pensions under Germany’s betriebliche Altersversorgung framework. Costs here vary widely depending on whether the company uses salary sacrifice, adds employer matching, or funds a richer company pension. Product and administration charges are often bundled into insurer or pension vehicle pricing and may not be published in a simple city-specific tariff. For private individuals or businesses seeking support, Frankfurt advisory fees for pension planning, implementation, payroll integration, and compliance are often charged either hourly or as a fixed project package. Where exact Frankfurt-specific public fee cards are unavailable, realistic market ranges are the most honest way to budget. Because pensions in Germany are tightly regulated, it is sensible to check both the statutory rules and any provider documentation before relying on a quote.
What It Costs
| Item | Cost | Evidence |
|---|---|---|
| Statutory pension insurance contribution rate(percent of gross salary) General contribution rate for statutory pension insurance Verified from source | €18.6 – €18.6 | Verified from source |
| Employer share of statutory pension insurance(percent of gross salary) Usually half of the 18.6% statutory rate Verified from source | €9.3 – €9.3 | Verified from source |
| Employee share of statutory pension insurance(percent of gross salary) Usually half of the 18.6% statutory rate Verified from source | €9.3 – €9.3 | Verified from source |
| Pension consultancy / adviser hourly fee(per hour) Estimated range based on typical German professional adviser and employee-benefits consulting rates for business pension planning, implementation and review in a major financial centre such as Frankfurt. Estimated range | ~€120 – €300 | Estimated range |
| Employer occupational pension setup project(per project) Estimated range based on typical market rates for SME pension scheme design, payroll integration and provider onboarding in Germany; exact fees depend on headcount and complexity. Estimated range | ~€1,000 – €5,000 | Estimated range |
| Ongoing occupational pension administration support(per employee per month) Estimated range based on typical outsourced HR/payroll benefits administration pricing for German employers; may be lower when bundled with payroll services. Estimated range | ~€10 – €40 | Estimated range |
What’s Typically Included
- Statutory pension contribution handling
- Occupational pension scheme setup or review
- Payroll integration
- Employee enrolment and communications
- Ongoing compliance and administration support
Common Jobs & Typical Prices
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Regulator / licensing: Deutsche Rentenversicherung; BaFin; aba Arbeitsgemeinschaft für betriebliche Altersversorgung e.V.
Variants & Configurations
Duration
A one-off pension review may take a few hours to several weeks; full employer scheme setup commonly takes several weeks depending on provider and payroll integration.
How Fees Work
Typical structures include statutory percentage contributions on salary, adviser hourly fees, fixed setup packages for employer schemes, and ongoing per-employee administration fees. Product providers may also build charges into the pension contract rather than invoice a separate visible fee.
Factors Affecting Price
- Whether you only pay the statutory pension share or also offer an occupational pension
- Headcount, payroll complexity and whether administration is outsourced
- Type of pension vehicle and provider charging structure
- Whether advice is fee-based, commission-based or bundled with broader HR/payroll services
- Level of employer contribution or matching above legal minimums
Local Context
Frankfurt is one of Germany’s main finance and corporate services hubs, so pension advisory and implementation fees can sit at the upper end of German business-service pricing, especially for multilingual or cross-border work. For employers, the biggest unavoidable cost is not a consultancy fee but the statutory social insurance burden tied to payroll. Occupational pension arrangements may also interact with German tax and social-security rules, so local payroll and legal coordination matters.
Some figures here are still being verified.
Where a verified figure isn’t available yet, we say so rather than guess. For the most current pricing, check the official source below.
Germany uses the euro. Percentage-based statutory pension costs are calculated on eligible gross salary rather than as a flat euro fee.
Sources & References
Every price on this page is traced to a documented source. Last checked 24 September 2026.
- Deutsche Rentenversicherung · official
Statutory pension insurance contribution rate and contribution framework
- Bundesministerium der Finanzen · government
General federal policy context for pensions and retirement taxation in Germany
- BaFin · official
Financial regulation context for insurers and pension-related financial products in Germany
- aba Arbeitsgemeinschaft für betriebliche Altersversorgung e.V. · industry
Industry body context for occupational pensions in Germany
Frequently Asked Questions
What is the main pension cost for an employer in Frankfurt?+
The main mandatory cost is the employer share of Germany’s statutory pension insurance, typically 9.3% of gross salary, with the employee paying the other 9.3%.
Are occupational pension schemes mandatory for employers in Germany?+
Employers must generally allow access to occupational pension arrangements via salary conversion in line with German rules, but the total employer cost depends on the model used and whether the employer adds contributions beyond the statutory framework.
Do pension advisers in Frankfurt charge hourly or fixed fees?+
Both are common. Smaller reviews are often billed hourly, while company-wide setup, provider selection and payroll implementation are frequently priced as a project package.
Why is it hard to find exact public prices for pension setup?+
Many pension and benefits providers in Germany price according to workforce size, payroll complexity, product selection and whether advice, administration and insurance are bundled together.
Are provider charges separate from contributions?+
Often yes. Statutory contributions are separate from any adviser, administration or occupational pension product charges, although some product costs are embedded within the pension contract.
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Check current prices at the official source
Deutsche Rentenversicherung
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