A guide to re-enrolment

Since you started your pension scheme, some of your employees may have left your pension scheme, ceased paying pension contributions or chosen to pay less than the minimum automatic enrolment contributions.

As part of automatic enrolment legislation, you have a duty to assess and re-enrol eligible employees into your workplace pension scheme every three years.

What do I need to do?

Step 1

Choose your re-enrolment date

Your re-enrolment date will be your staging date plus three years. You have a window of three months before the anniversary of your staging date, to three months after the anniversary of your staging date to complete your re-enrolment duties.

Once you’ve decided on your re-enrolment date, you’ll need to re-enrol all eligible employees within six weeks’ of that date.

Step 2

Assess your workforce

The employees that you’ll need to assess for re-enrolment will be eligible jobholders who were previously automatically enrolled but have since:

  • Opted-out
  • Chosen to pay in less than the auto-enrolment minimum contributions
  • Stopped paying pension contributions.

The assessment criteria used are the same as those used at your staging date. This means that if any of the people you assess:

  • Are aged 22 years or above
  • Earn above the minimum earnings threshold for auto-enrolment.

You will need to set up and contribute to a pension for them in the same way as you did at your staging date.

Step 3

Write to the employees that you've re-enrolled

You’ll need to write to the employees that you’ve re-enrolled. This communication will need to be sent during the same 6 week window you have to re-enrol all eligible employees. They will need to be informed that they have one month to opt-out of the pension scheme.

Step 4

Manage opt-outs

If any of your employees decide that they do not wish to be re-enrolled in your workplace pension scheme, they will need to opt out.

Some of your employees may have previously opted out of your pension scheme – if they still don’t wish to contribute to a pension scheme, they will need to repeat the opt-out process each time they are re-enrolled.

Step 5

Re-declaration of compliance

You’ll need to submit a re-declaration of compliance to The Pensions Regulator within five months of the 3 year anniversary of your staging date.

This is the same online form that you’ll have needed to complete when you first set up your workplace pension scheme – it informs The Pensions Regulator that you have completed your legal duties for automatic enrolment.

Even if you don’t have any employees that you need to re-enrol, you will still need to declare that you are compliant.

If you don’t issue your re-declaration notice, you will no longer be compliant with auto-enrolment legislation and you’ll be liable to be fined or prosecuted.

Can I use postponement for re-enrolment?

You can’t apply a postponement period when re-enrolling employees.

However, as you have a window of six months to complete your re-enrolment duties, you can choose a re-enrolment date that suits your business needs.

What’s next?

Re-enrolment will be an on-going process. You will need to re-enrol all eligible employees on a three year cycle going forwards and follow the same steps outlined above.