What about pensions for employees without a collective labour agreement?

If you don't fall under a cao or a mandatory industry pension fund, you decide yourself whether and how you offer a pension. You are not tied to a prescribed scheme.

Through Vive you set up a third-pillar scheme where you choose who takes part and how much you contribute, per employee or per team. That makes it scalable for small and growing companies. Read pensions for employees without a cao or see pension for employees.