My b*stard agency pays the absolute minimum using these 25K and 79K (-ish) limits = 6% of this 54K difference

The % vs age think I think also depends on what "class" (for want of a better word) you're in. I'm in the shittiest obviously.

You know who you are.

One advantage of a gmbh is the pension contribution on the employer side.
It is 20-30% you can contribute.

IIRC, one other rule is the company must match or exceed the employee contribution.

Of course, Richard will turn up shortly and correct us all...