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Auto Enrolment

At A&T Financial Services, we specialize in guiding you through your legal obligations, advising on optimal setup structures, and managing the entire process on your behalf.

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Meet Auto Enrolment Obligations

Auto Enrolment and Workplace Pensions

Auto enrolment mandates that all UK employers offer a workplace pension scheme to eligible staff members. Even if your business has only one employee, automatic enrolment is required if they meet the qualifying criteria.

At A&T Financial Services, we specialize in guiding you through your legal obligations, advising on optimal setup structures, and managing the entire process on your behalf. Whether you opt for a pension scheme with Nest or prefer another provider, we assess your workforce and handle all necessary integrations.

Once established, we provide ongoing management of your workplace pension, offering a comprehensive solution from inception to maintenance, ensuring continuous compliance.

Simplified Auto Enrolment Solutions by A&T Financial Services

We offer a comprehensive auto enrolment service designed to alleviate your stress. Our services include:

  1. Workplace Pension Setup: We assist in establishing a workplace pension scheme with your chosen provider and assessing staff eligibility and minimum contributions.
  2. Automated Enrolment: Once your pension scheme is in place, we automatically enrol all eligible staff members, ensuring compliance with legal requirements.
  3. Opt-Out Management: We handle the process for employees opting out of auto enrolment and liaise with non-eligible jobholders who wish to join.
  4. Reporting Duties: We help you fulfill your reporting duties to The Pensions Regulator, including registering your workplace pension scheme and providing the necessary information.
  5. Count on A&T Financial Services to streamline your auto enrolment obligations, providing peace of mind and ensuring compliance every step of the way.

Need help with your workplace pensions?

Schedule a free consultation and let one of our accountants help with your auto enrolment and workplace pensions

07475123310

Who Can Choose Auto Enrolment?

Reforms under the Pensions Act 2008 introduced auto enrolment, making it a legal obligation for all UK employers to enroll staff into workplace pension schemes.

Enrolled employees contribute a small percentage of their wages to the pension scheme. Employers and the government also contribute additional funds, bolstering each employee's retirement savings.

Who qualifies for auto enrolment?

Auto enrolment is accessible to all eligible employees, even in businesses with only one employee. Criteria for eligibility include:

  • Working in the UK
  • Being between the ages of 22 and the state pension age
  • Earning over £10,000 per year
  • Not already participating in another qualifying workplace pension scheme

The earnings thresholds are annually updated by the Department for Work and Pensions (DWP), subject to potential changes in each tax year. Please refer to our graphic below, detailing the thresholds for the 2023/24 and 2024/25 tax years, which remain unchanged from previous years.

Employees retain the option to 'opt-out' of auto enrolment. For instance, they may prefer more control and flexibility over their pension and opt for a self-invested personal pension (SIPP) instead.

From an employer's perspective, you have the option to postpone auto enrolment for up to three months from the start of a new employee's tenure. However, if you choose to delay, you must notify your new starter(s) in writing.

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If you are considering switching accountants, we can help make the switch smooth, quick and hassle-free.

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Who Can Choose Auto Enrolment?

As an employer, part of your legal responsibilities includes inviting staff who haven't been automatically enrolled to opt into your workplace pension scheme.

Staff who choose to opt in are entitled to their employer contributions to their pension pot.

Employees who aren't invited to opt in can request in writing to join your workplace pension. These employees have the right to join, but your obligation as an employer to contribute to their pension pot is optional.

It's your responsibility as an employer to determine whether a staff member should be automatically enrolled or has the right to opt in, as well as managing staff requests to join.

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