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Step 2 Choose a pension scheme (or check your existing one)

You should do this about 6 months before your staging date as it can take a while to complete.

You’ll need to have a pension scheme that is set up for automatic enrolment. You and your staff will pay money into this scheme to help your staff save for their retirement.

Unless you want to use an existing pension scheme for automatic enrolment, you’ll need to find a scheme yourself or get help from your accountant or a financial adviser.

You should look at different schemes before you decide which is suitable for you and your staff.

You should choose an appropriate scheme that has been independently reviewed or is regulated by the Financial Conduct Authority. Of these schemes, the following have told us they are open to small employers:

There are a number of things you should check before you choose a pension scheme. This includes whether it will accept all your staff, how much it will cost, whether it uses the best tax relief method for your staff and whether it will work with your payroll. Find more information on how to choose a pension scheme.

*Please note that there are many other pension schemes available that aren’t listed on this website. There may also be other ways for schemes to demonstrate to employers that their scheme is well run. We take no responsibility for checking that schemes' claims are accurate.

We cannot recommend or endorse any particular pension scheme or any organisation. Inclusion of a scheme or mention of any organisation on this website does not guarantee their suitability. These web pages are provided for information and guidance only.

What's next?

Now that you've chosen a pension scheme, you must put your staff into it. The next step will help you to do this.

Your staging date

Use our Duties Checker to confirm your staging date and declaration deadline.

Duties Checker


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