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Auto Enrolment

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At a Glance

Your Statutory Pensions Duties

  • Set up and register a Workplace Pension Scheme suitable for automatic enrolment.
  • Automatically enrol certain workers (known as eligible jobholders) into that pension scheme.
  • Arrange membership of a Pension Scheme for certain other workers.
  • Make contributions for eligible jobholders and certain other workers.
  • Manage the automatic enrolment, joining and opt-out processes.
  • Provide specific information to workers, pension providers and The Pensions Regulator.
  • Keep records of how they have fulfilled and continue to fulfil their duties.2

From October 2012 changes to Pensions Law began to affect all employers with at least one worker in the UK. All employers with over 250 employees have already been included and over the next two years the rules will be ex- tended to all employers.

The potential impact on employers should not be under-estimated. The auto-enrolment requirements / duties as outlined in the Pensions Act 2008 Regulations are not about the state pensions system, the pensions industry or employees and workers - they are specifically aimed at employers!

The Department of Work and Pensions (DWP) is taking employer compliance very seriously and The Pensions Regulator (TPR) has been given the scope to police employers who will face hefty penalties for failure to comply with their duties.

Employers with no existing Pension Scheme will have the most to do - depending on the numbers of staff they employ. Employers will need expert help and guidance to understand their duties, the impact on their business and the necessary changes they will need to make.

They will need to review their workforce, ascertain and identify which employees will be subject to the automatic enrolment requirements and implement and administer a Qualifying Pension Scheme that allows them to satisfy their employer duties.