In July 2025, the pension plan of a private vocational training school in Zibo City, Shandong Province was officially implemented. As the plan was implemented, the school principal smiled happily.

Due to the relatively low salary and benefits, the principal is facing pressure of teacher turnover during this period. In order to promote the development of the school, the person in charge has always hoped to find effective ways to effectively improve the salary and welfare level of teachers. The implementation of this pension plan has improved the relatively weak situation of pension security for faculty and staff.

Many teachers have told me that with pension plans, they can receive an additional 20000 to 30000 yuan per year after retirement, making them feel secure in their old age and more confident in dedicating themselves to the education industry when they are young, "sighed the person in charge.

Behind this pension plan, it benefits from both the policy support of the local government and the assistance of Taiping Pension.

After the local government department focused on promoting the "expansion" of enterprise pension, the Taiping Pension Enterprise Pension Service Team took the initiative to connect and tailor pension plans based on the actual situation of faculty and staff, helping schools build a more comprehensive pension security system.

Similar stories have always happened in Taiping Elderly Care.

Since the first standardized enterprise annuity in China was implemented in 2004, Taiping Pension has been committed to improving its comprehensive service capabilities and continuously expanding the coverage of enterprise annuity services for 22 years. Nowadays, Taiping Pension has full license qualifications for enterprise annuity trustee, investment, and account management. In the first half of 2026, the asset scale of annuity management exceeded 760 billion yuan, serving over 15000 enterprises.

At the end of 2025, the Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued the "Opinions on Further Improving the Work of Enterprise Annuities", providing clear policy guidance for the "expansion" of enterprise annuities. Taiping Elderly Care has taken rapid action to provide one-stop excellent services to industry entities such as education and healthcare, helping more units establish enterprise annuities and promoting pension plans as a new tool for enterprises to retain core talents, introduce outstanding talents, and achieve high-quality development.

Cracking the difficulties in establishing pension plans and promoting their implementation

With policy support, more and more units are beginning to understand and try to establish enterprise annuities. However, establishing and implementing an enterprise annuity plan is not an easy task and requires continuous assistance from professional trustee institutions to solve various difficulties in the establishment process.

A specialized and innovative enterprise located in western China has encountered similar difficulties. Previously, this high-end manufacturing enterprise became a state-owned Sino foreign joint venture by introducing foreign capital, technology, and management experience. After introducing foreign investment, the Chinese management proposed to improve the level of employee welfare protection. The adequacy of welfare protection is directly related to employees' sense of belonging and team cohesion. Only enterprises with strong sense of belonging and high cohesion can stand out in fierce market competition.

In 2024, the company began to establish an annuity plan. After understanding the demand, the Taiping Pension Enterprise Annuity Service Team quickly connected and designed a targeted set of enterprise annuity plans. However, due to the foreign executives of the company being unfamiliar with the specific operation mode of China's enterprise annuity, they did not vote in favor of the project in the board of directors, and the initial project proposal was not approved. In order to promote the implementation of the enterprise annuity plan, the Taiping Elderly Care Service Team has visited the board multiple times, preaching policies, interpreting plans, and answering questions to foreign members of the board of directors. After fully understanding the value of employee pension security in enterprise annuities, foreign executives turned to fully support it.

Last July, the company passed a board resolution and officially agreed to establish an enterprise annuity system. However, considering the joint venture nature of the enterprise and the fact that local authorities have rarely handled joint venture annuity filing business in recent years, there is no mature approval process available for reference. In response, the Taiping Pension Enterprise Annuity Service Team provided full assistance in supplementing materials and actively communicated with relevant local departments. After more than two months, they helped the enterprise complete all filing procedures.

In March of this year, the Taiping Pension Enterprise Pension Service Team entered this specialized and innovative enterprise to promote the enterprise pension plan to all employees, providing detailed explanations of payment rules, rights protection, and related welfare policies. During the period, the team comprehensively introduced the accumulation of benefits for enterprise annuity: calculated based on 4% and 2% respectively paid by enterprises and individuals, taking a 38 year old employee as an example, if the individual and the unit pay a total of 15000 yuan per year, male employees are expected to accumulate more than 400000 yuan in enterprise annuity after 22 years of payment (retirement at the age of 60); Female employees are expected to accumulate over 350000 yuan after 17 years of contributions (retirement at the age of 55). After learning about the positive role of enterprise annuity in pension security, many employees have actively requested to participate.

The enthusiastic participation of employees has made the management of the enterprise feel gratified. After the implementation of the enterprise annuity plan, the turnover of employees in the enterprise has significantly decreased, and more and more core position workers have expressed their willingness to stay and work in the enterprise for a long time. The management of the enterprise stated that the sense of belonging and team cohesion among employees have been enhanced, further strengthening the confidence in the development of the enterprise. Enterprises will accelerate their growth pace, enhance their core competitiveness, and strive to become industry benchmarks.

Accurately responding to personalized needs, customized services win trust

In the early stage of market-oriented operation of enterprise annuity business, Taiping Pension has been committed to popularizing the enterprise annuity system to private and small and micro enterprises and helping them establish annuity plans.

Many years ago, a private pharmaceutical company in Hangzhou joined the pension collection plan managed by Taiping Pension.

The establishment of an annuity plan by the enterprise is closely related to the acceleration of innovation in the pharmaceutical industry and the intensification of talent competition. To retain business backbone, enterprises urgently need to find effective incentive measures. The personnel handling personnel of the company stated that they chose Taiping Elderly Care because it can effectively improve the retirement benefits of business backbones and provide support for the company to retain core talents.

The personnel handling personnel of the enterprise gave an example, taking a business backbone born in 1975 as an example. Currently, his personal enterprise annuity account has 260000 yuan. Calculated based on an annual payment of 20000 yuan, when he retires in 6 years, the total amount of his personal enterprise annuity will increase to 443000 yuan (considering the stable investment income of the annuity). If he receives 2000 yuan per month after retirement, he can receive it for about 26 years, providing more abundant income security for his retirement life. Many business backbones of the enterprise are quite satisfied with the pension benefits of this annuity plan, and are determined to work in the enterprise until retirement, in order to obtain this pension security

After establishing and implementing the annuity plan, this private pharmaceutical enterprise has put forward multiple personalized requirements for the full cycle service of the annuity due to internal management requirements. Firstly, the trustee institution needs to cooperate in establishing modules for daily business handling, account inquiry, information disclosure, and annuity investment operation, which facilitates the enterprise to more conveniently and efficiently understand the specific operation status of the annuity plan; The second is that the entrusted institution can quickly export personnel lists, verify employee personal account balances, pension payment records, treatment payment details, and other types of data, which serve as important basis for enterprises to improve the compensation and benefits of core talents; Thirdly, the trustee institution needs to timely and standardize the disclosure of information, especially the clear feedback on annuity investment and annuity plan operation status according to the requirements of the enterprise. If encountering institutional adjustments and business difficulties, the entrusted institution should provide professional interpretation and practical advice in a timely manner.

For these personalized requirements, the Taiping Pension Enterprise Pension Service Team "accepts all orders" and quickly builds a comprehensive and thoughtful service system. By building a fully functional online business platform, Taiping Pension has moved routine business such as daily payment declaration for pension plans, payment of retirement benefits, and account changes from offline to online. Enterprises can directly submit and handle them through the online system, greatly improving business operation efficiency and significantly reducing the workload of personnel handling personnel.

Nowadays, the online business platform can independently complete various data verifications such as employee personal account balances, pension payment records, and benefit payment details, without the need to repeatedly contact entrusted institutions for information, effectively reducing communication costs and making related information disclosure work more flexible and efficient.

If an enterprise encounters institutional adjustments and business difficulties during the implementation and management of its pension plan, the Taiping Pension Enterprise Pension Service Team will quickly provide professional interpretation and practical advice; When necessary, proactively visit and solve new problems encountered in the practical process of the enterprise face-to-face.

These services have made this private pharmaceutical enterprise in Hangzhou quite satisfied.

The personnel handling personnel of the enterprise stated that Taiping Pension's excellent full cycle service not only meets the internal pension plan management requirements of the enterprise, but also takes into account the convenient experience of employees in querying their personal pension rights. Nowadays, this company regards pension plans as an important support for the implementation of its talent strategy.

Faced with the "vote of trust" cast by customers, the Taiping Pension Enterprise Pension Service Team is deeply gratified and aware of the responsibility on their shoulders. With the expansion of enterprise annuity coverage, different enterprises will put forward more personalized and customized requirements for the full cycle service of annuity plans. Therefore, Taiping Pension will continue to strengthen the coordinated operation of the total and branch, innovate digital services, and expand high-level exclusive teams to better meet the differentiated needs of enterprises.

Building a sound investment research risk control system to safeguard long-term stable annuity returns

Under the wave of expanding the scope of enterprise annuity, the ability to create long-term stable investment returns has become an important driving force for attracting more enterprises to establish annuity plans.

Through visiting numerous enterprises, the Taiping Pension Enterprise Pension Service Team found that there are significant differences in investment styles and return requirements for pension plans among different enterprises.

Some companies hope that pension plans can invest more in equity assets to create better investment returns and higher pension security for employees; Some companies require pension plans to focus on fixed income investment assets, striving to provide employees with a more stable and predictable long-term return. Regardless of preference, companies have a common requirement: annuity investments must have controllable risks.

Centered around the diversified annuity investment needs of enterprises, Taiping Pension has established an exclusive annuity investment system, continuously expanded its core investment research team, built a three-level investment decision-making system, deeply promoted the integration of investment and research, strengthened alternative investment research capabilities, and fully met the differentiated annuity investment requirements of different enterprises; On the other hand, building a strong compliance and security system in investment risk management ensures the stable operation and controllable risk control of various pension plans.

Especially in promoting the integration of investment and research, Taiping Pension has established three investment research groups in the field of equity investment: technology manufacturing, large consumption, and total cycle. They focus on changes in the stock market investment mainline, actively explore investment opportunities, and create good equity investment returns; Establish strategy, interest rate, credit, "fixed income+", fund and other strategy groups in fixed income investment, closely follow market changes and investment needs to develop investment research plans, provide comprehensive support for fixed income asset allocation and timing selection, and ensure long-term stable returns on fixed income investment.

These measures are being translated into good investment results. On August 31st, the Ministry of Human Resources and Social Security released the business data of the national enterprise annuity fund for the second quarter of 2026, which showed that from the third quarter of 2023 to the second quarter of 2026, the cumulative return rate of the weighted combination of Taiping Pension Enterprise Annuity Single Plan reached 21.68%, ranking first in the industry; The cumulative return rate of the weighted portfolio of the collective plan reached 19.96%, ranking third in the industry. The annualized average return rate of both types of portfolios exceeded 6%.

In terms of investment risk management, Taiping Pension has established a full process closed-loop risk control system with strict pre defense, full monitoring during the event, and quick disposal after the event. Supported by rigid institutional constraints, group credit rating, and big data intelligent warning, it achieves refined and penetrating management of investment risks, and pursues deterministic returns under the premise of controllable risks. This move has comprehensively improved the investment risk management capability of the Taiping Pension Plan. Since 2022, in the face of increased volatility in the bond market and a rise in default events, the bonds and non-standard assets invested in by the Taiping Pension Plan have achieved "zero stepping on landmines".

The comprehensive risk control system and stable investment returns have attracted over 5000 companies to choose Taiping Pension as their pension plan partner.

In the eyes of industry insiders, with the continuous expansion of enterprise annuity, Taiping Pension's enterprise annuity business is expected to win more favor from enterprises with its professional and comprehensive full cycle service capabilities and good and stable investment returns.

To meet the pension service needs of more enterprises, the Taiping Pension Enterprise Pension Service Team empowers intelligent investment research through AI big models, continuously improves investment research capabilities, and creates better and more stable investment returns for enterprise annuities; On the other hand, building a comprehensive pension product line to further meet the diversified pension design, implementation, and full cycle management requirements of enterprises.

The person in charge of Taiping Pension Enterprise Annuity stated that with policy support, the "expansion" of enterprise annuities is entering a new stage of development. The company will continue to pay attention to various expansion entities such as "parks" and "talents", optimize pension scheme design, improve pension investment management and service level, actively participate in pension expansion practices in various regions, and effectively transform policy dividends into visible and tangible pension security for enterprise employees, contributing greater strength to the construction of a high-quality and sustainable multi-level and multi pillar pension insurance system.