Guide to re-enrolment

Guide to re-enrolment

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

Since you started your pension scheme, some of your employees may have left, stopped paying pension contributions, or chosen to pay less than the minimum automatic enrolment contributions. In any case when there’s a change of circumstances, it’s up to you to make sure you’re up to date.

What do I need to do?

Step one: Choose your re-enrolment date

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

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

Can I use postponement for re-enrolment?

You can’t apply a postponement period when re-enrolling employees, but because you have a six month window to complete your re-enrolment duties, you can choose a re-enrolment date that suits your business.

Step two: Assess your workforce

The employees that you’ll need to assess for re-enrolment will be employees who were previously auto enrolled onto your pension scheme but have since:

  • Opted out; or
  • Chosen to pay in less than the minimum contributions of auto enrolment; or
  • Stopped paying pension contributions

There is an exception to think about. If any of your jobholders have taken these actions in the 12 months leading up to your re-enrolment date, you can choose not to assess them until your next re-enrolment date.

Once you’ve decided who to assess, you’ll assess them using the same assessment criteria for re-enrolment as you used at your staging date. That means if any of the people you assess are eligible jobholders – that is, they’re aged 22 or over and earn above the minimum earnings threshold for auto enrolment, you’ll need to set up and contribute to a pension for them.

Step three: Write to the employees that you’ve re-enrolled

You’ll need to write to any employees that you’ve re-enrolled to let them know. This communication should be sent during the same six week window that you have to re-enrol all eligible employees. In this letter, you’ll also need to let them know that they have one month to opt-out of the pension scheme if they’d like to.

Step four: Manage opt-outs

If any of your employees choose not to be re-enrolled in your workplace pension scheme, they’ll need to opt out. If you use our workplace pension, we’ll handle opt-outs for you and let you know when we receive them.

Some of your employees might have opted out previously, in which case they’ll need to opt out each time they’re re-enrolled if they’d rather not contribute to a pension scheme.

Step five: Re-declaration of compliance

You’ll need to submit a re-declaration of compliance to The Pensions Regulator within five months of the three year anniversary of your staging date. Even if you don’t have any employees that need to be re-enrolled, you still have to declare that you’re compliant.

To do this, you’ll need to complete the same online form that you filled in when you first set up your workplace pension scheme.

If you don’t use your re-declaration notice, you won’t be compliant with auto enrolment legislation, and you’ll be liable to be fined or prosecuted.

Next steps

Re-enrolment is an ongoing process. You’ll need to re-enrol all eligible employees on a three-year cycle and follow the steps above.

Find out more about auto enrolment

Auto enrolment doesn’t have to be challenging. We’ve got all the information you need to get up and running with your workplace pension scheme.

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