What is auto enrolment?
Auto enrolment is a process introduced by the government to make sure employees are automatically enrolled into their employer’s workplace pension scheme. Before this was introduced, back in 2012, employees simply joined a scheme if they wanted to. The idea behind auto enrolment is that more employees will save for their retirement – although they can still opt out if they wish.
Most UK employees now need to be automatically enrolled. Both employer and employee are obliged to make a minimum contribution into their pension pots, which continues for the duration of a worker’s employment or until they take their money out of the employer’s scheme. This applies to all eligible workers aged 22 or more and who earn at least £10,000 per year.
Whether you’re an employer who is new to auto enrolment, or simply need more information on workplace pensions, you’re in the right place to find out everything you need to know.
On this page you’ll find links to detailed information about auto enrolment, including who’s eligible and what to do when. You’ll also find guidance on what to do in specific scenarios, such as completing your declaration of compliance or carrying out regular re-enrolment which is part of your duties as an employer.
We’ll make everything clear, in jargon-free language.
Auto enrolment explained
Understanding Auto Enrolment
Find out who needs to be auto enrolled, when you need to do it, how much it will cost and what you stand to gain from it – all the basic facts on auto enrolment, in one place.
Duties start date explained
Your auto enrolment duties start at the same time as your first employment contract. This is the same time as your PAYE duties.
Types of workplace pension
From defined benefit pension schemes to Group Personal Pensions, our guide helps you find out more about the different types of scheme available.
What you need to do
Choosing a workplace pension scheme
It’s important to make sure your chosen scheme suits the individual needs of your business – especially if these have changed since you first found a pension provider.
Employee’s opting out
Employees who’ve been auto enrolled onto your workplace pension scheme can choose to opt out. Our comprehensive guide tells you how, when, and what to do.
Completing the declaration of compliance
To let The Pensions Regulator know you’re up to date, you’ll need to complete a declaration of compliance. Here’s how to do it.
Guide to re-enrolment
As part of your auto enrolment duties, you’ll have to re-enrol eligible employees regularly. Not sure how? We’re on hand to help.
How business changes can impact auto enrolment
From ups and downs in the economy to technological progress and staff turnover… things change fast in business. We consider how this could affect the way you manage your workplace pension scheme.
Late setting up your workplace pension scheme
It’s best to start preparing for your auto enrolment duties well in advance, but we know it’s sometimes easier said than done. That’s why we’re here to talk you through a late or missed duties start date.
Getting help from a business adviser
If you need some extra support with your workplace pension, a business adviser can help you set up and run your scheme.
Auto enrolment guides and downloads
Here you can download more useful information on auto enrolment. As well as information on using Aviva’s convenient platform to help you manage your workplace pension, you can read how other employers have reacted to auto enrolment – and also access straightforward factual material to share with your employees.
Aviva Workplace Pension
Our workplace pension is designed to give you a scheme that’s easy to set up and administer, ideal for your auto enrolment needs.
Find out about the Aviva Workplace Pension
Get a quote and see how Aviva can help you and your business.
Find out how we can help you support your clients with auto enrolment.