Once you have re-enrolled your staff, you will have ongoing duties. Then every three years you’ll need to re-enrol certain staff again.
Each time you pay your staff you should carry out the following tasks:
Monitor the ages and earnings of your staff
You must monitor the ages and the amount you pay your staff (including new starters) to see if you need to put any of them into a pension scheme. You must put them into a pension scheme and write to them within six weeks from the day they meet the age and earnings criteria.
If you have any staff who are…
- aged between 22 up to state pension age*
- and earn over £10,000 per year, or £833 per month or, £192 per week
… you must put them into your pension scheme and you must both pay into it.
*If you are unsure what the state pension age is you can use the State Pension Calculator to find out.
Manage requests to leave or join your scheme
If any of your staff choose to leave your pension scheme (opt out) within one month of being re-enrolled, you need to stop taking money out of their pay and arrange a full refund of what has been paid to date. This must happen within one month of their request.
If any of your staff, who can ask to join your scheme, write to you asking to do so, you must put them into it within a month of receiving their request.
You will have to pay into the pension scheme unless they are:
- aged 16-74
- and earn less than £512 per month or £118 per week.
To find out how much you will need to pay you should ask your pension scheme provider.
You must keep records of how you’ve met your legal duties, including:
- the names and addresses of those you've put into a pension scheme
- records that show when money was paid into the pension scheme
- any requests to join or leave your pension scheme
- your pension scheme reference or registry number
You must keep these records for six years except for requests to leave the pension scheme which must be kept for four years.
Once you have set up a pension scheme and put your eligible staff into it, your legal duties don’t end there. You must continue to make the payments that are due into the scheme every time you run payroll. We monitor the contributions that are paid into workplace pensions and can tell if payments that are due are not being made into your staff’s automatic enrolment scheme. We will take action if you fail to comply with your ongoing legal duties, and you may need to backdate any missed payments.
Contributions increases April 2019
From 6 April 2019, by law the minimum amount you pay into your staff’s pension increased. You must pay a minimum of 3% of a portion of your staff’s earnings* into their pension, and the total combined payments made by you and your staff must be no less than 8%. Find out more about contribution increases.
*The law requires that, as a minimum, pension contributions will be based on your staff’s earnings between £6,136 and £50,000.
Your next re-enrolment
Every three years you’ll need to re-enrol certain staff. We will write to you to explain what you need to do and when you need to do it by.
Make sure you keep your contact details up to date so that we write to the right person about your ongoing and re-enrolment duties. You can update your contact details online.