EMPLOYEE BENEFITS

A stronger workplace starts with looking after your team

A stronger workplace starts with looking after your team

A stronger workplace starts with looking after your team

We’ll guide you through the options, handle the setup, and help your employees with clear support, step by step

Illustration of five icons representing employee benefits: a protection shield, a health heartbeat, a savings jar of coins, a laptop with files labelled final and real final, and a calendar

For business owners & HR managers

Why do you need employee benefits?

Why do you need employee benefits?

Retain valuable employees

Retain valuable employees

Attract top talent

Attract top talent

Positive company culture

Positive company culture

Offer financial protection

Offer financial protection

Stand out from competitors

Stand out from competitors

Build loyalty and trust

Build loyalty and trust

Who is it for

Who is it for

Illustration of a smiling business owner in a suit standing with arms crossed

Business owners

You look after the business, we'll help you to look after your people.

Illustration of a smiling woman with glasses holding an open laptop

HR Managers

You're the one comparing providers and options, we'll help you get it right the first time.

Illustration of a glass jar filled with euro coins, representing workplace pension savings

Workplace Pension

Workplace Pension

Group pensions can feel like a lot, especially with ever-changing rules. We help you set up and run a pension benefit that works for your business and your people. We’ll help you choose the right provider, set up contributions, and guide employees through the basics - keeping everything clear, compliant, and easy to roll out.

Corporate Master Trust

Group PRSA

Retail Master Trust

Workplace Protection

Workplace Protection

Workplace protection helps you look after your people if something unexpected happens. We’ll guide you through the options, handle the setup, and make sure employees understand what’s included. You can offer a benefit that’s meaningful, clear, and easy to run.

Group Income Protection

Group Life Cover

Executive Income Protection

Group Death in Service Scheme

Key Person Insurance

Illustration of a shield with a checkmark, representing workplace protection cover

Auto enrolment or a group pension? It depends

From January 2026, Irish employers must comply with auto enrolment. For many businesses, a group pension can be a better option. Here's how the two compare, and why the right answer is different for every business.

What to consider

Auto enrolment

Group pension

Employer contribution required

Starting at 1.5% of gross pay, rising to 6% by year 10

Employee gets income tax relief

Tax relief vs government top-up of 25%

Employee can opt out

Auto enrolment allows opt out after 6 months, then re-enrols every 2 years

After 6 months

Varies

Flexible contribution levels

Access to an advisor who can guide employees through their options

Can cover employees already in a pension

Employees already in a qualifying scheme are exempt from auto enrolment

Suitable for mixed workforce

Where some employees are eligible and some are not

Who manages the admin

Who handles the setup, contributions and compliance

NAERSA

You and SparksWealth

It’s not that simple…

Auto enrolment might be the right fit for some of your team and completely wrong for others. For some businesses, a group pension is a better benefit and a better deal for employees. For others, auto enrolment handles the basics with minimal setup. We'll look at your specific situation, your workforce, and what makes sense for your business and your people.

How it works

How it works

1

Intro call

2

Onboarding

3

Analysis

4

Planning meeting

5

Implementation

6

Annual reviews

It starts with a free intro call - no prep needed, no obligation to go ahead.

1

Intro call

2

Onboarding

3

Analysis

4

Planning meeting

5

Implementation

6

Annual reviews

It starts with a free intro call - no prep needed, no obligation to go ahead.

1

Intro call

2

Onboarding

3

Analysis

4

Planning meeting

5

Implementation

6

Annual reviews

It starts with a free intro call - no prep needed, no obligation to go ahead.

1

Intro call

It starts with a free intro call - no prep needed, no obligation to go ahead.

2

Onboarding

This is where we learn about you - a few forms to complete so we can build the advice around your situation

3

Analysis

We review your full financial picture and figure out what’s working, what’s missing, and what to do next

4

Planning meeting

We walk you through your plan together - you can ask any questions, we’ll adjust until it feels right

5

Implementation

We handle all the paperwork and setup and keep you updated every step of the way

6

Annual reviews

Life moves on - so every year we review your plan together and make sure it moves with you

How much does it cost

How much does it cost

Your consultation is completely free - no fees, no obligation, no hidden fees or catches. If you decide to go ahead with a product, we’re paid by the provider for arranging it.

See full details on our Fees page →

Where can you get a consultation

Where can you get a consultation

MOST POPULAR

Online

We’ll meet you on Zoom so you can chat to us from the comfort of your own home.

Online

We’ll meet you on Zoom so you can chat to us from the comfort of your own home.

In-person

You’re always welcome to meet us in our Dublin 2 office. Also, we have advisors around the country. We can arrange an in-person meeting nationwide.

Let’s get your ducks in a row

Let’s get your ducks in a row

How these payment models compare

A simple overview of what each payment model actually means for you

Employer contribution required

Starting at 1.5% of gross pay, rising to 6% by year 10

Auto enrolment

Sometimes

Group pension

Employee gets income tax relief

Tax relief vs government top-up of 25%

Auto enrolment

Group pension

Employee can opt out

Auto enrolment allows opt out after 6 months, then re-enrols every 2 years

Auto enrolment

After 6 months

Group pension

Varies

Flexible contribution levels

Access to an advisor who can guide employees through their options

Auto enrolment

Group pension

Can cover employees already in a pension

Employees already in a qualifying scheme are exempt from auto enrolment

Auto enrolment

Group pension

Suitable for mixed workforce

Where some employees are eligible and some are not

Auto enrolment

Group pension

Who manages the admin

Who handles the setup, contributions and compliance

Auto enrolment

NAERSA

Group pension

You and SparksWealth

SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.

Copyright © 2026 by SparksWealth

Website Designed by

SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.

Copyright © 2026 by SparksWealth

Website Designed by

SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.

Copyright © 2026 by SparksWealth

Website Designed by

SparksWealth Limited T/A SparksWealth is regulated by the Central Bank of Ireland. Company Registration Number: 120688.

Copyright © 2026 by SparksWealth

Website Designed by