Employee savings: a high level of satisfaction but a persistent need for support
To mark the Semaine de l'Épargne Salariale (Employee Savings Week), the Autorité des marchés financiers (AMF), the Association Française de la gestion financière (AFG), the Direction Générale du Travail and the Direction Générale du Trésor, La Finance pour Tous and all the Semaine's partners have conducted a new survey, following on from the one carried out in 2023, to explore employees' perceptions of employee savings schemes (profit-sharing and incentive bonuses, matching contributions, employee savings plans, etc.).
This year, a second part of the survey questioned 199 managers of companies with 11 to 49 employees who, as of January 1, 2025, are required to set up at least one value-sharing scheme within their company.
The AMF Household Savings Observatory Special letter presents the main findings of this study.[1]
Beneficiaries of employee savings schemes are satisfied, but express a need for support
In 2024, 31% of employees said they had an employee savings plan (idem in 2023) and 27% a group retirement savings plan (25% in 2023).
Interest in employee savings schemes continues unabated. 86% of employees surveyed consider these schemes interesting, a level stable since 2020. In fact, 73% consider them to be good investments, up from 69% in 2020.
But their mastery of investment choices remains limited: while 67% of plan holders say they are familiar with the range of funds on offer, only 21% say they have detailed knowledge. Similarly, only 13% feel they have complete mastery.
Consistently, 62% of employees surveyed expressed a need for support.
Many managers of companies with 11 to 49 employees have already set up an employee savings scheme
Nearly half of the managers surveyed said they had already set up a bonus or savings plan. At the same time, 42% of their employees said they had an employee savings scheme.
Nearly 80% of managers surveyed felt that employee savings schemes boosted employee motivation and loyalty.
Almost all (90%) said they were aware of the new regulations on value sharing. However, 26% of them say they do not know the precise terms of application.
Loïc Desmouceaux, AMF Board member representing employee shareholders, appointed by the Minister of the Economy and Finance, comments: “The level of satisfaction expressed by employees benefiting from an employee savings scheme is very positive. However, the survey shows that there is still a great need for support, particularly in helping employees make their investment choices. In this respect, the Employee Savings Week plays a key educational role”.
[ 1 ] Survey conducted by OpinionWay in January 2025. 751 people aged 18 and over, representing a cross-section of employees in French private companies, were surveyed in January 2025. In addition, 199 managers of companies with 11 to 49 employees were surveyed.
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