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step-by-step
guide

If you’re daunted by the task of automatic enrolment then the Pensions and Lifetime Savings Association is the trusted voice to guide you. We’ve created a clear and straightforward process. From the first moment to completion, our step-by-step guide will answer your questions, talk you through each stage, and help you find the right pension scheme for your business.

Members Area

As a Pension Solution member of the Pension and Lifetime Savings Association, you will have access to our three-way approach to automatic enrolment created by our trusted experts.
Pension Solution costs just £49+VAT for a year’s membership.

join
1

Plan

Here’s your introduction to automatic enrolment and its processes. Implementing automatic enrolment means thinking ahead: what you need, and whose help will make it easier to complete key tasks and estimate costs.

  • What is automatic enrolment?
  • Choosing a pension scheme
  • What must you do?
  • Find your staging date
  • Other considerations
  • Using our guide for automatic enrolment
link here
2

Research

Automatic enrolment means you need to review your current procedures. This helps to identify any changes needed to comply with the rules and regulations for pension saving in the workplace.

  • Workforce records
  • Payroll systems
  • How automatic enrolment can affect payroll processes
  • Adapting IT systems
  • Guidance for IT systems
link here
3

Forecast

How much will automatic enrolment cost? These will guide you through the factors you need to consider when estimating the financial impact of implementing automatic enrolment in your workplace.

  • Size and make-up of your workforce 
  • Consider the pension you will offer
  • Costs of implementation 
  • Variable take-up of your pension scheme
  • Who might be automatically enrolled?
link here
4

Which Pension Scheme?

Now you’ve done the groundwork, it’s time to work out which pension scheme to offer. You can select one from an external provider, set up your own, new, company scheme, or use your existing one (if you have one and it meets criteria).

  • What are your choices in selecting a pension scheme?
  • Your pension choices (explained in more detail)
  • Where can I find more information on existing suppliers?
  • Criteria for a scheme that can be used for automatic enrolment (qualifying schemes)
  • What if I offer Flexible Benefits?
  • Providers of other pension services and advice
link here
5

Assess

You’ll now know what automatic enrolment will be like for your organisation. As the staging date approaches, your system is organised and it’s time to formally assess your workforce.

How to assess your workforce:

  • Stage 1: Is the person a worker?
  • Stage 2: Does the person work in the UK?
  • Stage 3: What is their age?
  • Stage 4: What does the person earn?
  • Stage 5: Is the person an eligible jobholder, non-eligible jobholder or an entitled worker?
link here
6

Explain

Communicating to your workforce how automatic enrolment will affect them is a legal requirement. As an employer, it’s also a key administrative task when implementing automatic enrolment.

Explaining automatic enrolment to your workforce:

  • When do I have to tell my workers?
  • How do I tell my workers?
  • Explaining automatic enrolment: Pensions and Lifetime Savings Association video guides 
  • Communication templates 
  • Further sources of help
link here
7

Enrol

For many, the first time workers are enrolled will be on your staging date. You’ll need to keep up-to-date and enrol new workers on their start date. Existing workers need enrolling when they’re old enough or earn enough to be eligible. In the future you also need to re-enrol automatically enrolled employees who have opted out.

  • Enrolling each category of worker 
  • Pension contributions
  • Workers who opt out
  • Postponing automatic enrolment
  • Certificate of Compliance 
link here
8

Enrol - Contributions

Here we expand on the details of pension contributions as you complete the enrolment process for your workforce.

  • Contribution rates 
  • What if my employees have temporary spikes in their earnings?
  • Dealing with back pay
  • Salary sacrifice agreements 
  • Paying contributions on time
link here
9

Post-Staging Obligations

Automatic enrolment doesn't end at your staging date. Once you’ve completed your first assessment, you’ll need to keep up-to-date with workforce changes and be prepared for re-enrolment.

  • Ongoing assessment 
  • Record keeping
  • Re-enrolment 
  • Responsibilities as an employer 
  • Key dates
  • Penalties if you don't comply
link here

Members Area

As a Pension Solution member of the Pension and Lifetime Savings Association, you will have access to our three-way approach to automatic enrolment created by our trusted experts.
Pension Solution costs just £49+VAT for a year’s membership.

Join