Enrolling staff into a pension scheme

This section will help you to work out whether you are legally required to automatically enrol some or all of your in a and how you should go about doing so. This includes guidance about how to choose a scheme, decide what your contributions should be and comply with your ongoing duties. This section will also help you to deal with who are not automatically enrolled but who request to join your scheme and how to deal with those who have asked to leave it.

Choosing and setting up a staff pension scheme

  1. 1.Do I have to provide a pension scheme for my staff?
  2. 2.On what date did my obligation to provide staff pensions begin?
  3. 3.How do I choose a pension scheme for my staff?
  4. 4.What should I look out for when choosing a pension scheme for my staff?
  5. 5.What does it mean if a pension scheme's tax arrangement is relief at source?
  6. 6.What does it mean if a pension scheme's tax arrangement is a net pay arrangement?
  7. 7.How do I set up a pension scheme?

Enrolling staff into a pension scheme

  1. 8.How do I enrol staff into my pension scheme?
  2. 9.Which staff must I enrol into a pension scheme?
  3. 10.Do I have to enrol eligible jobholders in my pension scheme?
  4. 11.Do I have to enrol non-eligible jobholders in my pension scheme?
  5. 12.Do I have to enrol entitled workers in my pension scheme?
  6. 13.When must I write to staff to tell them about enrollment into my pension scheme?
  7. 14.What letter must I send to eligible jobholders about automatic enrollment into a pension scheme?
  8. 15.What letter must I send to non-eligible jobholders or entitled workers about enrolment into a pension scheme?
  9. 16.How do I deal with a request from an eligible or non-eligible jobholder to join my pension scheme?
  10. 17.How do I deal with a request from an entitled worker to join my pension scheme?
  11. 18.Can I delay enrolling staff into my pension scheme?
  12. 19.Do I have to auto-enrol a staff member in my pension scheme if they will only be working me for a short time?
  13. 20.Do I have to auto-enrol a staff member in my pension scheme if their earnings fluctuate?
  14. 21.How do I delay enrolling staff in a pension scheme?
  15. 22.How can eligible jobholders opt out of the pension scheme I have provided?
  16. 23.What process do I need to follow if an eligible jobholder wants to opt out of my pension scheme?
  17. 24.What notifications do I need to send to the Pensions Regulator after I have enrolled staff in my pension scheme?

Paying for a staff pension scheme

  1. 25.What will staff pensions cost me?
  2. 26.What is the minimum amount I have to pay into a staff pension scheme?
  3. 27.Are there any advantages (eg tax advantages) to offering pension benefits beyond the legal minimum?

Ongoing administration of a staff pension scheme

  1. 28.Once I have a pension scheme set up, what are my ongoing duties?
  2. 29.When will I have to re-enrol staff in my pension scheme?
  3. 30.Which staff do I have to re-enrol in my pension scheme?
  4. 31.Do I have to set a re-enrolment date even if I know I won't have anyone to re-enrol into my pension scheme?
  5. 32.How do I re-enrol staff in my pension scheme?

Record keeping obligations

  1. 33.What records must I keep about pension auto-enrolment?
  2. 34.What staff records do I have to keep about pension enrolment?

Letter to eligible staff about automatic re-enrolment in a workplace pension

A letter to eligible staff about automatic re-enrolment in a workplace pension scheme notifies an eligible staff member about their automatic re-enrolment in your pension scheme. It provides important information to them about the scheme and their rights (including their right to opt out). You must set a date for re-enrolment in your pension scheme every three years, regardless of whether you think you will have anyone to re-enrol or not. On your re-enrolment date, you must re-enrol staff who meet certain criteria and write to them to tell them what has happened. This letter will help you to comply with that legal obligation. You will have to confirm to the Pensions Regulator that you have set a re-enrolment date in compliance with your obligations. For more information about your ongoing legal duties when dealing with workplace pensions, see our Q&A on Ongoing administration of a staff pension scheme .
£20 + VAT

Letter to a staff member who has opted in to a workplace pension

This letter can be sent to members of your staff who are not eligible for automatic enrolment into your workplace pension scheme, but who opted in to the pension scheme by notifying you. You must send this letter to a staff member who has opted in to your workplace pension scheme within six weeks of their enrolment. This template letter gives your staff member details about the pension scheme including what contributions they will make and what you will contribute to their pension. It also explains their rights to opt out if they wish (and opt back in again), what this means and how to go about it.
£20 + VAT
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