What is a Group Personal Pension?
Free to get going 
There's no charge from us for setting up a new pension scheme, and we're transparent with our ongoing costs from the get-go.
UK-based support all the way 
We have an experienced team of specialists on hand to help you set up a new pension with us, whether it's your first workplace pension or you're moving from another provider.
Easy administration 
Look after your pension scheme online through our MyAvivaBusiness platform. And, some accounting software can be directly connected, making scheme administration even easier.
Quick links if you need something else
Manage your company scheme online, or check on your own workplace pension. These links can point the way.
Why choose a Group Personal Pension with Aviva?
It’s not just about the simplicity, convenience and support that a GPP with Aviva provides. Here are a few other reasons it could be the right choice for you and your employees.
A provider you can trust
We’ve supported people through life’s opportunities and challenges for over 325 years, and we're dedicated to help in securing our members' financial future and safeguarding their investments.
And today, with over 4.8 million members, we're one of the UK's leading workplace pension providers.
Simple to manage your scheme
MyAvivaBusiness is our online portal designed to make running your pension scheme smoother and more efficient. Add or remove employees, as well as adjust salary and contribution details, all in one place with up-front validation to ensure data is passed over quickly and accurately first time.
MyAviva makes it easy for your employees
Your employees can access their workplace pension with us through our secure MyAviva platform, either in the app or online. MyAviva offers quick access to view their pension, and a way to update personal details or even their fund choices.
A wide range of funds
Our GPP offers your members access to over 200 funds from around 30 fund managers, covering the key asset classes and risk appetites.
Investing in line with values
There's also Shariah-compliant, and environmental, social and governance (ESG) fund options, so members can invest their money in a way that's important to them.
Team up with an award-winning pension provider
We continue to receive industry recognition for our workplace solutions and the options they offer members at retirement. These include:
Pensions Age Awards 2025
Winner, At Retirement Solutions Provider of the Year
Corporate Adviser Awards 2025
Winner, Best Group Pensions Provider
Highly Commended, Best Default Sustainability Strategy
Where we invest your employees' workplace pension
My Future Focus
My Future Focus is the flagship investment solution with our Group Personal Pension. Managed by Aviva Investors, it invests across a broad range of asset classes to provide the benefits of diversification.
Member savings are fully invested in the My Future Focus Long Term Growth Fund until 15 years before their chosen retirement age. This fund aims to grow the size of the pension.
Starting 15 years before retirement, member savings are gradually moved into the My Future Focus Growth Fund, and then from 10 years before retirement, into the My Future Focus Consolidation Fund. We do this to provide stability as members get closer to retirement.
Other fund choices for your members
With our Group Personal Pension, your members will be able to move to other investment options once their policy has been set up. The options available are shown below.
The annual fund charge may change for any members moving out of the default investment solution.
Over 200 extra fund choices
Members can access more than 200 additional funds through the Fund Supermarket and the FTSE™ All-Share Index which together offer a broad range of self-investment options.
Stewardship
These funds exclude investment in businesses and industries deemed harmful. They also aim to align with our sustainability pillars - Climate, Earth and People - which are deeply rooted in the UN's Sustainable Development Goals.
Shariah-compliant investing
Our Shariah strategy aligns with Islamic finance, screening out investments in companies whose business involves alcohol, pork products, tobacco and gambling.
What are the costs involved in a GPP?
Whilst it’s free to set up your scheme, there are three main elements that determine how much it will cost to run. Here's a quick overview of what they are.
Contributions 
You and your employees will both pay into a workplace pension. In order to meet your auto-enrolment responsibilities you'll need to contribute at least 3% of an employee’s salary.
Annual management charge 
The annual management charge for a scheme depends on a range of factors such as the number of members and contribution levels – we will show you this bespoke charge within your quote.
This charge is deducted from each member’s individual pension.
Employer pension charge 
We may need to include a monthly fee for administering your scheme. We'll let you know if one applies, and how much it is, as part of your quote so there are no surprises.
Get a quote and apply direct with us
Whether you're starting your first pension scheme or looking to move an existing scheme to us, you can quote and apply directly for a company between 10 and 100 employees. If your company has 101 employees or more, simply complete our online quote enquiry form and we'll be in touch with your quote.
If you need extra help, you can send us a message to ask for one of our workplace pension specialists to get in touch.
Alternatively, you also have the option to get a quote and apply through a financial adviser for which there many be a charge..
Setting up a brand new scheme 
You can get a quote right now using the correct link for your company size. Your quote will be valid for 90 days and will include any administration costs.
Your quote will explain how to go ahead and apply for our Group Personal Pension. This usually takes around 10 minutes to complete.
Moving your scheme over to Aviva 
If you're considering moving your workplace pension to Aviva, you can start by getting a quote. There's no obligation at all and, as part of the quote, we'll outline potential next steps and what you'll need to consider.
Get in touch about workplace pensions
Frequently asked questions
What are the key rules for workplace pensions?
Based on the latest government guidance and legislation in 2025, there are five key rules for workplace pensions in the UK.
- Automatic enrolment
Employers must automatically enrol workers into a workplace pension if they:- Are aged 22 to state pension age
- Earn at least £10,000 a year
- Ordinarily work in the UK
- Contribution requirements
Minimum contributions (based on qualifying earnings between £6,240 and £50,270 for 2025/26):- Employer – at least 3%
- Employee – typically 5%
- Total minimum – 8%
- Opting in and opting out
- Employees earning below £10,000 can opt in and get employer contributions if they earn over £6,240
- Employees can opt out within one month of being enrolled and get a refund of contributions
- Employers must re-enrol eligible employees every three years if they’ve opted out
- Qualifying pension scheme
The scheme must:- Be registered in the UK
- Meet minimum standards set by legislation
- Be capable of handling auto enrolment duties
- Employer duties
Employers must:- Assess staff eligibility
- Enrol eligible workers
- Make contributions
- Provide written information to employees
- Keep records
- Submit a Declaration of Compliance to The Pensions Regulator within five months of their duties start date
What's the difference between automatic enrolment and a workplace pension?
Automatic enrolment
This is a legal process introduced by the UK Government. It’s the legal mechanism that makes sure employees are enrolled in a workplace pension. It requires employers to:
- Automatically enrol eligible employees into a workplace pension
- Make minimum contributions
- Re-enrol employees every three years if they’ve opted out
Workplace pension
This is a broad term for any pension scheme that an employer sets up for their employees. It includes:
- Defined contribution or defined benefit schemes
- Schemes where both employer and employee contribute
- Voluntary or mandatory membership, depending on the employee’s eligibility
How much does an employer have to contribute to a workplace pension?
As of the 2025/26 tax year in the UK, the minimum contribution to a workplace pension through automatic enrolment is 3% for employers. Employees must contribute 5% (which can include tax relief), making a total minimum contribution of 8% of qualifying earnings.
What counts as qualifying earnings?
For the 2025/26 tax year, qualifying earnings are an employee’s gross annual earnings between £6,240 and £50,270. This includes:
- Salary or wages
- Bonuses and commission
- Overtime
- Statutory sick pay
- Statutory maternity, paternity or adoption pay
Employers can choose to contribute more than the minimum, and in some schemes, they may cover the full 8%, meaning employees don’t have to contribute at all.
Learn about workplace pensions
From auto-enrolment rules to comparing details of different scheme types. This is where you’ll find the information you might need about providing pensions for your employees.
Workplace pensions explained
Types of workplace pension – what are they and how do they work?
Discover the different types of workplace pension, how they work, and which one is best for your business.
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Employers
How to choose a workplace pension provider
Find out how to choose a workplace pension provider that aligns seamlessly with your business.
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Auto-enrolment
Company pension contributions
Find out more about the company pension contributions you need to make as an employer.
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Workplace pensions explained
Contract and trust-based pensions – what’s the difference?
Find out the difference between contract and trust-based pensions and the benefits they offer to employers.
Explore more of our workplace pension products
Group Self-Invested Personal Pension (GSIPP)
Designed to offer members greater control over their investments, with access to a core fund range, a fund supermarket, and the FTSE™ All-Share Index.
Aviva Master Trust
Governed by an experienced independent trustee board which acts for you, as well as on behalf of other employers. The collective governance of industry experts aims to achieve the best possible retirement outcomes for your members.
Own Rules Trust services
Overseen by your own board of trustees, we can provide a trust-based solution, support administrators and help scheme members plan for retirement.
Other pension solutions
We also offer a range of other pension solutions, including the option to create white-labelled funds and investment solutions.
Aviva Life & Pensions UK Limited. Registered in England and Wales No 3253947. Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 185896.