English 
Early Cross Co., Ltd. and Money Forward Home Co., Ltd. have entered into a business partnership agreement. Through this partnership, the two companies aim to support the introduction of corporate defined contribution pension plans provided by Early Cross and to achieve financial well-being by using Money Forward Home’s money visualization service, Money Forward ME. In conjunction with this partnership, Money Forward Inc. will invest in Early Cross.
Currently, the number of corporate DC plan participants nationwide stands at 8.3 million and continues to grow. In order for employees to enroll, companies must implement the plan, and in order to implement a corporate DC plan, they must be covered by the Employees’ Pension Insurance. There are approximately 2.83 million companies in Japan that are covered by the Employees’ Pension Insurance, of which approximately 2.78 million (98%) are small and medium-sized enterprises (SMEs) with 99 or fewer employees. However, only approximately 52,000 (adoption rate of 1.8%) have implemented a corporate DC plan, revealing a significant gap in adoption rates compared to the overall number of SMEs. This suggests that corporate DC plans have the potential to continue to expand, especially among SMEs.
Furthermore, according to a survey by the NPO Defined Contribution Pension Education Association, 63.3% of plan administrators at participating companies responded that they were concerned about “matters related to the implementation of continuing education,” “participants’ lack of interest in the system,” and “participants’ awareness of management.” For participants, there are hurdles, such as the need to log in to a dedicated website separately to check their savings status, and the Ministry of Health, Labor and Welfare has also raised the issue of making corporate DC plans more visible as a challenge.
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アーリークロスでは、中小企業を中心に企業型DCの導入支援を行い、各企業に最適な制度設計から継続的な運用教育、事務サポートまでをワンストップで提供しています。従業員が経済的な安定を享受し、豊かな生活を送ることができる未来を実現するための資産形成をサポートします。.
マネーフォワード ホームは、個人のお金の悩みを解決するサービスを提供しています。お金の見える化サービス「マネーフォワードME」は、1,700万人以上のユーザーを持ち、銀行や証券口座、クレジットカードなどの金融サービスと連携することで、お金の流れを見える化し、資産を一元管理することができます。また、企業型DCプランとの連携も可能で、貯蓄状況を自動でグラフ化し、一目で把握することができます。他の資産の状況を確認しながら資産管理ができることで、余剰資金の運用などの判断もしやすくなります。.
この提携により、両社は以下を組み合わせることを目指します。 アーリークロス‘ support for the introduction of corporate defined contribution pension plans with マネー・フォワード ME’s ability to visualize overall assets, thereby supporting employees’ asset formation and realizing “financial well-being” free from financial worries.
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