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Auto Enrolment

Support and guidance on how to manage your auto pension enrolment duties.
Every employer with at least one member of staff now has a duty to put those who meet certain criteria into a workplace pension scheme and contribute towards it.  Below you will find some FAQs which provides useful information to help guide you through the process as well as details of The Pensions Regulator website where you can access more detailed information.

FAQs on Auto Enrolment

If you have some queries about auto enrolment, our answers to frequently asked questions will help.

I only employ one member of staff, do I need to provide a pension scheme?
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.
Who is eligible to join?
You will need to assess your workforce to establish who is eligible for automatic enrolment based on age, earnings and hours of work.
What are the criteria for eligibility?
If the staff member earns weekly gross earnings of £118 or below and are aged between 16 and 74, if they ask you to, you must provide a pension scheme, however, you don’t have to contribute.

Weekly gross earnings over £118 up to £192, aged between 16 and 74, if they ask, you must automatically enrol them and pay regular contributions.

Weekly gross earnings over £192:

  • Age 16 – 21 – has a right to opt in
  • Age 22 – statutory pension age – you must automatically enrol and pay regular contributions – no need to ask their permission
  • Statutory pension age – 74 – has a right to opt in

NB:  It is against the law to encourage staff to opt out of your pension scheme.

What if I have no staff?
If you don’t have any staff other than directors, you may not have any enrolment duties, ie:

  • If you are the sole director
  • You have a number of directors – none of whom has an employment contract
  • You have a number of directors – only one of whom has an employment contract
How do I decide which pension provider to enrol?
You should do your own research.  We would recommend that you establish how many members of staff are eligible and wish to participate then obtain quotes from a variety of suppliers.

Once you have chosen a pension scheme, you must communicate this to your staff.

Who will administer the scheme?
You will need to decide who will be the nominated person managing your pension scheme and advise the Government who that person is.
How much do employees/employers have to contribute?
The amount you must contribute to the pension scheme is determined by the scheme’s rules. However, if you’re using the scheme for automatic enrolment, there are minimum contributions you must pay.

The minimum contributions that you must pay into your staff’s pension scheme are shown in the table below.

Minimum contributions are being increased gradually over time. You will usually pay pension scheme contributions either as a fixed amount or based on a percentage of earnings.

Date Employer minimum contribution Total minimum contribution
Old rates, up until 5 April 2018 1% 2%

(including 1% staff contribution)

Old rates, from 6 April 2018 to 5 April 2019 2% 5%

(including 3% staff contribution)

Currently, from 6 April 2019 onwards 3% 8%

(including 5% staff contribution)

Where can I get independent advice?
Visit the site which offers an action planner as a step-by-step guide to help you get started. They also have an automatic enrolment checklist that you might find useful.

Useful Links

A step-by-step guide to automatic enrolment can be found at:

Information about how to choose a pension scheme can be found at:

Sign up for news relating to automatic enrolment here: