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Auto Enrolement

Is a law that means every employer must automatically enrol workers into a workplace pension scheme if they:


  • Work in the UK
  • Are aged between 22 and State Pension age
  • Earn more than £9,440 a year
  • Firms with between 50 and 249 employees will start auto-enrolling staff between 1 April 2014 and 1 April 2015 – and the smallest of employers
    with fewer than 50 staff must do so from 1 April 2017.
    Employer Duties
  • Assess their workforce – an employer should make an initial assessment of how their workforce is likely to look on their staging date, to work
    out what duties they are likely to have.
  • Identify automatic enrolment earnings thresholds – employer duties differ depending on whether a worker is eligible which is partially defined by their earning
  • Set up an eligible scheme to fulfil their duties – the scheme needs to meet certain
  • Prepare data to send to that scheme
  • Prepare information to send to their workers
  • Set up their payroll processes.
  • Communicate with workers
  • Keep records
  • Employers must be ready to comply with the new duties on their staging date.

Employers will also have an ongoing duty to maintain qualifying pension provision for workers who;

Are already members of qualifying schemes; or
Become members of such schemes.
They will also need to keep records of how they have complied with their duties
They may need to provide The Pensions Regulator with Reports


Setting up a qualifying scheme

As part of the qualifying criteria, the pension scheme must meet certain minimum requirements, which differ per the type of pension scheme.

The minimum requirements are based on the contribution rate and require a minimum total contribution based on qualifying earnings, of
which a specified amount must come from the employer.

Certification allows employers to calculate contributions from the first pound earned (i.e. do not use qualifying earnings in their definition of
pensionable pay) to self-certify that their scheme meets the requirements.

Why start organising now?
Companies need to establish which employees need to automatically enrolled
How will payroll deductions work
How will they provide information to employees?
How will employees be informed about opt out decisions
How will companies meet they’re on going compliance duties?
Which pension scheme will they use

Why use Curo Wealth?
Companies without a pension scheme must pick a one
Companies must manage the relevant contributions and communications.
We can review existing pensions arrangements and help choose a new one if required.
Your initial meeting will be completely free of charge and you will be under no obligation


Preston Lodge Court, Preston Deanery, Northampton, NN7 2DS



Curo Wealth is a trading style of Curo Holdings Limited Liability Partnership which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, number OC398378. It is entered on the FCA register (www.fca.org.uk) under reference 708527