Automatic workplace pensions you can trust
We’ll make sure you meet your legal pension duties — without the stress.
What is auto-enrolment?
Auto-enrolment is a legal requirement for employers: you must automatically enrol eligible workers into a workplace pension scheme, and make employer contributions. It’s part of the government’s push to help more people save for retirement.
Employer duties
As an employer, your responsibilities include:
You also need to watch for re-enrolment duties every three years: you must re-assess your workforce and re-enrol eligible staff who left or opted out.
Contributions and qualifying earnings
- The minimum total contribution required is 8% of qualifying earnings, with at least 3% coming from the employer
- Qualifying earnings generally refer to earnings between a lower and an upper threshold (e.g. between ~£6,240 and £50,270 in recent years)
- Employers must continue to monitor staff, especially if earnings change or new employees join
Re-enrolment & ongoing compliance
- Every three years, you must re-enrol eligible staff who stopped contributing or opted out.
- Even if no one needs re-enrolment, you must still re-declare compliance to The Pensions Regulator.
- Choose your re-enrolment date within a six-month window centered on the third anniversary of your duties start date.
Penalties for non-compliance
Failing to meet your auto-enrolment duties can result in penalties, such as:
- Fixed penalties (for missing deadlines)
- Escalating daily fines for ongoing breaches
- Enforcement notices or even criminal action in serious cases
Why Choose Us
Choosing an accountant is about more than just balancing the books. You need a team that’s experienced, reliable, and easy to work with. Here’s why businesses across Colne and Lancashire trust us:
