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Speak to our advisors about Auto Enrolment
and workplace pensions for your business

Are you asking questions about
Auto Enrolment and workplace pensions like these:


  • What will happen if I miss the staging date?

    What will happen if I miss the staging date?


    If you miss your staging date you could be fined, unless you have agreed to postpone your staging date. As an employer it is your responsibility to ensure your employees are enrolled into an auto enrolment workplace pension scheme. Failure to comply with the staging date could incur severe fines and penalties.

  • What happens after the staging date?

    What happens after the staging date?


    Once you are through your staging date, then aside from making the pension payments for your employees, you still need to provide regular updates and information to The Pension Regulator, re-assess your workforce every pay reference period, hold records, ongoing communication with new employees – it doesn’t all just go away.

    Payroll and financial software providers will tell you they have a system that deals with all these aspects. But “Buyer Beware” – not all do what they say they will. Business owners need to be very clear – workplace pensions are all EMPLOYER responsibilities and non-compliance issues will fall at the employer’s feet, no-one else’s – so ensure you have a fit for purpose solution going forward.

    This can all seem daunting and complicated – but taking early planning action, engaging with your chosen advisers and creating a clear and concise action plan will put you in a great position to succeed.

  • How do I communicate with my workforce?

    How do I communicate with my workforce?


    If you review the “Pensions Regulators website”, there are a number of different letter templates that can be used. You can breakdown your staff into the three different categories and send tailored letters announcing the staging date and possible deferral date to them. However sending specific information relevant to each category creates additional tasks, as you will then be expected to write to these members again if their circumstances change e.g. they change from a non-eligible worker to an eligible worker.

    However the regulator also has templates called “General” Letters Type A and B. These letters are good because they give all the necessary information, but also give general information about all three different categories of worker. By using this letter you provide your workers with all necessary information and therefore do not need to write to them again. This is a great example of keeping things simple to reduce additional work in the future

  • What happens if I don’t auto enrol?

    What happens if I don’t auto enrol?


    So far the regulator has been fairly pragmatic in the approach it has taken with non-compliance. If you look through the “Compliance and enforcement Strategy” document available on The Pension Regulator’s website, they are trying to promote a “pro-compliance” culture.

    However this is in cases where it is clear that the employer has been actively trying to comply with the rules. It is important that companies understand that taking no action is really not an option as the fines at the TPR’s disposal are extremely punitive.

    Fixed Penalty notice (FPN)

    This is a fixed amount of £400, which needs to be paid within a specified period. If the employer fails to pay the financial penalty and remedy the breach, in certain circumstances the regulator may consider a further action.

    Escalating Penalty Notice (EPN)

    Under the most serious circumstances the TPR has the following daily fines at their disposal which are dependent on the size of the employer.


NEST choose Visionary Accountants for accountancy auto enrolment case study:

We have been very happy with the support Richard provided on our auto enrolment project, we were guided through each of the steps in a logical manner which kept the whole process very straightforward.

Mandy Parsons, Carestream


News & Resources

Auto Enrolment: Employers must act and re-enrol staff into pension schemes

2018-10-26

As part of a company’s Automatic Enrolment duties, employers must ‘re-enrol’ certain staff back into a pension scheme every three years.

Employers must act on auto enrolment contribution changes for 2017/18

2017-06-07

The following contribution changes for auto enrolment have been announced for the 2017/18 tax year, covering qualified earnings.