Auto Enrolment

Support and guidance on how to prepare your business for auto enrolment.

Every employer with at least one member of staff now has new duties – including putting those who meet certain criteria into a workplace pension scheme and contributing towards it.

To help guide you towards your staging date the NFRN have produced a useful factsheet which should answer most of your questions and guide you through the process of enrolling your employees. More useful advice can also be downloaded, including a price comparison between four different pension providers to help you understand what each has to offer and make an informed choice. You can, of course, opt for any pension provider you choose.

NFRN Factsheet: Auto Pension Enrolment

If you have lots of questions about auto enrolment this handy factsheet will help.

Find out what your employer duties are for automatic enrolment by downloading the factsheet below.

Download Auto Pension Enrolment Factsheet

Pension Provider Comparison

Following the controversy concerning the imposition of administration fees, the NFRN asked the four main providers of auto enrolment pensions a number of questions concerning their fee structures and intentions.

Their responses can be found below:

Download Pension Providers’ Comparison

Details of the Welplan and People’s Pension schemes can be found here:

Download Employer Guide to Welplan Pensions

Download Welplan Auto-Enrolment Support

Download The People’s Pension Member Booklet

Download The People’s Pension Scheme Rules

The NFRN does not endorse any of the providers listed on this page and is not responsible for their services, policies or safeguarding measures.

A guide to getting started with NEST Pensions

For those retailers who find accessing information on the internet challenging, this guide has been developed to offer you step by step instructions on how to find out more information about setting up auto pension enrolment for your employees with NEST Pensions.

It will help you determine who is eligible to participate and how much should be contributed as well as offering guidance on how to enrol your employees.

Download Guide to getting started with NEST Pensions

Workie: The workplace pension has arrived

The Pensions Regulator is warning small and micro employers to act now to ensure they meet their new workplace pension duties and put certain staff into a pension scheme.

Nearly six million staff have already been put into a scheme by the UKs large and medium employers, but the vast majority of small employers have yet to reach the date their automatic enrolment duties start – this is called their staging date.

To help members understand their automatic enrolment duties, The Pensions Regulator has provided the NFRN with some advice on how best to prepare (see below).

A monster of a campaign to grab your attention

You may have noticed a new character recently arrived to help remind employers that the law has changed and that they have new workplace pensions duties.

Workie, the friendly, furry giant comes with a serious message: it’s time for small and micro employers to act. This big, colourful character will be seen visiting people in all sorts of work environments over the coming months, asking employers not to ignore the workplace pension.

Alongside the advertising campaign we have also launched a new online step by step guide www.tpr.gov.uk/en/employers. The guide is designed to meet the needs of employers who may not have pensions experience including those with just one or two staff. It uses everyday language, is interactive and contains videos and infographics so that employers can easily understand what they will need to do.

The step by step guide also has a duties checker www.tpr.gov.uk/en/employers/duties-checker and we urge all employers to input their details so that we can send them information tailored for them.

Which staff members need to be put into a pension scheme?

Staff who are over 22 and earn above £10,000 per year will need to be put into a pension scheme.  You will need to complete a declaration of compliance to show you are meeting your automatic enrolment duties, and have given your staff the opportunity to join a pension scheme.

Even if your staff don’t meet the above criteria, you will still have duties to complete. Staff members who are not eligible to be automatically enrolled in a pension scheme still have the right to ask to join a pension scheme. It’s worth noting that a scheme only needs to be put in place if and when you have staff to enrol – there’s no requirement to set up a scheme ‘just in case’ this happens.

You will need to write to all your staff – whether or not they need to be put into a pension scheme – to let them know what’s happening and complete a declaration of compliance.

The frequently asked questions section on The Pensions Regulator’s website gives more information on what to do if there aren’t any members of staff to be automatically enrolled.

Single director companies – do you know what actions to take?

If you’re a director of a business with no staff, or if your business has a number of directors, none of whom has an employment contract, then you may not have any automatic enrolment duties.

Answering a few questions about your circumstances will establish whether you have duties or not – you can find out by completing the Duties Checker on the regulator’s website. There is also information on the website about husband and wife companies, family businesses and, on what to do if automatic enrolment duties do not apply to you.  If you have received a letter from us but you do not have automatic enrolment duties you must tell us. Failure to alert us to your circumstances may trigger compliance action – go to www.tpr.gov.uk/en/employers/duties-checker now.

Plan ahead

If your business has a staging date coming up over the next few months, then you should take action now. Lack of planning remains one of the key causes of non-compliance.

Find out when you will need to act and what you need to do. With thousands of other employers going through the same process every week, it is wise not to leave things until the last minute and risk non-compliance and a possible fine.

We’re here to help, don’t risk a fine

Failure to complete a declaration of compliance triggers the issue of a compliance notice. This is a statutory notice giving employers deadlines for action. While we do not want to take enforcement action against employers, we will use these powers where employers do not comply with their duties.

We understand that many small and micro employers are concerned about what they need to do to comply with the law and most want to do the right thing by their staff.

For help and information, go to www.tpr.gov.uk/en/employers

Pension Automatic Enrolment - a step-by-step guide

The Pensions Regulator has introduced a new online step-by-step guide for small employers.

New research published this month by The Pensions Regulator shows that while levels of awareness of automatic enrolment remain high among all employers, more than 20% of those due to stage between June and November this year had not yet drawn up plans to meet their duties.

To support small and micro employers to meet their duties, The Pensions Regulator has recently updated their website specifically for small and micro employers so that it is easy to follow, making the process as smooth as possible. It now concentrates on the needs of those who don’t have the same time or resources as larger organisations, and are likely to need help with different parts of the automatic enrolment process – such as setting up payroll software and choosing a pension scheme.

The new step-by-step online guide to automatic enrolment divided into 11 steps, enabling employers to work through one task at a time. The site navigation has also been updated to improve access to each step, as well as the opportunity to look at what’s ahead. Each step in the new guide tells employers when they should complete the task and how long they should expect it to take, as well as letting them know what’s next.

The guide also includes several tools and additional resources that will ultimately help small and micro employers put their staff into workplace pensions. The tools include an interactive planner and a pension contribution calculator, while among the resources are a video demonstration and brand new checklist to help employers keep track of their progress.

The step-by-step guide to automatic enrolment can be found at: www.thepensionsregulator.gov.uk/employers.aspx

Useful Links

A step-by-step guide to automatic enrolment can be found at: www.thepensionsregulator.gov.uk/employers.aspx

Information about how to choose a pension scheme can be found at: www.thepensionsregulator.gov.uk/employers/finding-a-provider.aspx

Sign up for news relating to automatic enrolment here: https://forms.thepensionsregulator.gov.uk/subscribe.aspx