25‘725.
It‘s 2023 already. 
The law defines a legal minimum (and maximum). Pension funds can operate quite freely within these boundaries, as long as the general principles are adhered to.
Let’s keep in mind that this is only the minimum old-age savings contribution. The contribution could also be higher than 10% - in fact, it usually will be, since there‘s also be risk premiums and management/administration costs to cover.