Who does this affect

Auto enrolment affects any employees who:

  • are not already in a qualifying workplace pension scheme
  • are at least 22 years old
  • have not yet reached State Pension Age (‘SPA’)
  • have qualifying earnings that are above the annual ‘earnings trigger’ being pro-rated depending on pay frequency e.g. weekly/monthly
  • work or ordinarily work in the UK

The flow diagram below sets out the full position, please see the section "Earnings Limits" for updates on the earnings levels that apply.

who does this affect

For the current earnings trigger and qualifying earnings see “Earnings Limits”.

Pensions Auto-Enrolment is a continual process with eligibility criteria being reviewed during each pay period. If an employee who is initially not eligible becomes eligible then they will be automatically enrolled.

Can employees opt in?

Employees are entitled to opt into our Pension Auto-Enrolment scheme if they are aged between 16 and 22 or over the State Pension Age but under 75, and earn more than the National Insurance Earnings threshold. See “Opting In”.

If an employee earns less than the National Insurance Earnings threshold they can also ask to be enrolled into a pension scheme. In which case, they will be able to join our nominated stakeholder scheme. See “Entitled Workers”.

Can employees opt out?

Yes. Employees can choose to opt out of the scheme at any time.

See “Opting Out” for further details and note too our re-enrolment obligations.