{"id":427996,"date":"2021-12-17T15:26:53","date_gmt":"2021-12-17T15:26:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=427996"},"modified":"2024-07-12T18:41:35","modified_gmt":"2024-07-12T17:41:35","slug":"pension-auto-enrolment","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment","title":{"rendered":"Pension auto enrolment"},"content":{"rendered":"<p>Pension auto enrolment rules have given a boost to our workplace pension rights. If you\u2019re an employee, you\u2019ll now be automatically enrolled in a workplace pension scheme. Your employer will top up your contributions and you should see your pension pot growing over time.<\/p><p>In this guide, we take a look at the <a href=\"https:\/\/www.thepensionsregulator.gov.uk\/en\/employers\" target=\"_blank\" rel=\"noopener\">pension auto enrolment rules<\/a>. We also answer common questions like \u201cdo all employees have to be automatically enrolled?\u201d and \u201ccan my employers postpone auto enrolment?\u201d.<\/p><h3>What is pension auto enrolment?<\/h3><p>Auto enrolment means that every employer is now required by law to provide a pension scheme for most employees.<\/p><p>If you\u2019re an employee, you\u2019ll be automatically enrolled in a work pension scheme with your employer, as long as you meet the qualifying criteria. Under the rules your employer must contribute at least 3% of your salary into your workplace pension pot and you\u2019ll have to contribute at least 5%. Your employer will take your pension payments from your pay packet before you receive your wages.<\/p><p>Here are the key features of auto-enrolment:<\/p><ul><li>Employers are required by law to enrol most employees in a workplace pension scheme and contribute at least 3% into their pension pot.<\/li><li>Employees contribute a minimum of 5% into a workplace pension scheme.<\/li><li>Auto enrolment applies unless you are under 22 years old, earn less than \u00a310,000, work outside the UK or have a suitable existing workplace scheme.<\/li><li>If you earn between \u00a36,240 and \u00a310,000 and you ask your employer to enrol you in a pension scheme, they must do so.<\/li><li>Pension auto enrolment rules still apply if you\u2019re employed part-time, on a zero hours contract, on a temporary contract or on maternity leave.<\/li><li>You can choose to opt out of auto enrolment.<\/li><\/ul><h3>When did pension automatic enrolment start?<\/h3><p>Automatic enrolment was introduced gradually from 2012 onwards. At first, the rules applied only to the largest employers, but they were gradually extended to medium and smaller employers. Now all employers, even those with only 1 employee, have to auto enrol their employees in a workplace pension scheme.<\/p><h3 id=\"learn\">Who will be automatically enrolled?<\/h3><p>All employees will be auto enrolled in a workplace pension scheme, as long as they meet the following requirements:<\/p><ul><li>Work in the UK (including seafarers who normally live in the UK)<\/li><li>Aren\u2019t already part of a suitable workplace pension scheme<\/li><li>Between 22 years old and the state pension age<\/li><li>Earn more than \u00a310,000 per year<\/li><\/ul><h3>Who qualifies for pension auto enrolment?<\/h3><p>In order to qualify for pension auto enrolment you have to meet certain criteria:<\/p><ul><li>You\u2019re between 22 years old and the state pension age<\/li><li>You earn more than \u00a310,000 from your job<\/li><li>You work in the UK<\/li><li>You\u2019re not part of another suitable workplace pension scheme<\/li><\/ul><p>You will still qualify for auto enrolment if you work part-time, an agency pays your wages or you\u2019re on maternity leave.<br>If you earn less than \u00a310,000 but more than \u00a36,240 you won\u2019t be automatically enrolled but you can ask to join your workplace pension and your employer must enrol you.<\/p><h3>What is the minimum contribution?<\/h3><p>Employers must make minimum pension contributions of 3% of an employee\u2019s qualifying earnings into the pension scheme. Qualifying earnings are all earnings between \u00a36,240 and \u00a350,270. For example, if Sasha earns \u00a320,000 her employer must contribute at least 3% of \u00a313,760 (\u00a320,000 minus \u00a36,240) into her workplace pension.<\/p><p>Some employers choose to make pension contributions on your whole salary or to contribute more than 3%. Speak to your employer to find out the rules of your workplace pension scheme.<\/p><p>Employees must contribute at least 5% of their qualifying earnings (earnings between \u00a36,240 and \u00a350,270) into a workplace pension scheme unless they choose to opt out. For example, Sasha, who earns \u00a320,000, needs to contribute at least \u00a3688 per year into her pension scheme (5% of her qualifying earnings of \u00a313,760).<\/p><h3>How do I know if I\u2019ve been auto enrolled?<\/h3><p>You can find out if you\u2019ve been auto enrolled by checking your payslip. If you\u2019re paying into a workplace pension you will see deductions on your payslip.<\/p><h3>How to opt out of pension auto enrolment<\/h3><p>You can decide to opt out of your workplace pension scheme if you don\u2019t want to pay into it. If you opt out within 1 month of joining the scheme, you\u2019ll receive back any contributions. If you\u2019ve paid in contributions for more than 1 month, you won\u2019t be able to get your payments back. You\u2019ll only be able to access your pension once you turn 55 (57 from 2028).<\/p><p>If you can afford to, it usually makes sense to stay in your workplace pension rather than opting out. That\u2019s because it\u2019s important to save for retirement. By staying in your workplace pension, you\u2019ll also get free contributions from your employer and the government on top of your contributions.<\/p><p>If you decide to opt out, you\u2019ll need to speak to your employer and complete a form that authorises your decision. Your employer is not allowed to encourage or force you to opt out.<\/p><h3>Why opt out?<\/h3><p>Although paying into a workplace pension is a good idea for most people, for some employees it may make sense to opt out.<\/p><p>You might decide to opt out if you\u2019re struggling financially. For example, you could decide to opt out while you concentrate on repaying debt or try to cope with a reduced income due to an illness.<\/p><p>If you opt out you\u2019re allowed to opt back in at any time. Your employer will automatically re-enrol you after a certain period (usually 3 years). If you still don\u2019t want to pay into the scheme, you\u2019ll have to opt out again.<\/p><h3>Will I get tax relief on my contributions?<\/h3><p>Most people get tax relief of 20% on their pension contributions. This makes paying into a workplace pension a good deal because you\u2019ll receive free employer\u2019s contributions and your own payments will be boosted by tax relief.<\/p><p>For example, Lilli pays \u00a3100 per month into her pension but it only costs her \u00a380 per month. That\u2019s because she would have paid tax of \u00a320 (20% basic rate) on her earnings of \u00a3100 and received \u00a380. Instead she contributes the whole \u00a3100 into her pension. She also receives \u00a360 pension contributions per month from her employer. This means it only costs her \u00a380 to pay a total of \u00a3160 per month into her pension.<\/p><p>Find out more about tax relief on pensions in our guide on <a href=\"https:\/\/www.finder.com\/uk\/pensions\/are-pension-contributions-taxable\">pensions and tax<\/a>.<\/p><h3>What happens when my earnings or my age changes?<\/h3><p>Employers must monitor their employees\u2019 age and earnings each time they pay staff. This means you should be automatically enrolled if your circumstances change and you become entitled to join the scheme.<\/p><p>If you start earning more than \u00a310,000 or you have your 22nd birthday while in employment, your employer should automatically enrol you in its pension scheme.<\/p><h3>I can\u2019t afford my 5% contributions \u2013 can I reduce them?<\/h3><p>Some employers may allow you to contribute to their workplace pension at a lower rate than 5%. However, it will not meet the auto enrolment rules if the total contributions into your pension scheme are less than 8% of your qualifying salary.<\/p><p>If your employer contributes more than 3% into your pension scheme, you may be able to contribute less than 5% and still meet the auto enrolment rules. However, if the total contributions drop below 8% you will trigger the re-enrolment rules. This means your employer must automatically re-enrol you in 3 years\u2019 time.<\/p><h3>What if my employer doesn\u2019t comply with the rules?<\/h3><p>If your employer doesn\u2019t comply with the rules it may face action and fines. Speak to your employer if you haven\u2019t joined a workplace pension and you think you should have been auto enrolled.<\/p><p>If you still have concerns then you can speak to the pensions regulator whistleblowing service. It can investigate on your behalf and make sure your employer pays any missing contributions.<\/p><p>Your employer will need to backdate contributions to the day you were eligible to join the scheme. You will also need to pay any missing contributions into your scheme.<\/p><h3>I am on a zero-hours contract. How will I be treated?<\/h3><p>Employees on a zero-hours contract have the same auto enrolment rights as permanent employees.<\/p><h3>Can my employer postpone pension auto enrolment?<\/h3><p>Employers can postpone your pension auto enrolment for up to 3 months after you join or become eligible for auto enrolment. If they decide to postpone your enrolment then they must write to you telling you they have delayed auto enrolment.<\/p><p>If you write and ask to join the pension scheme during the postponement period then your employer must enrol you immediately.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><div class=\"u-grid\"><div class=\"u-grid__col u-1\/1 no-padding-bottom\"><h3 class=\"has-padding-bottom-x-small\">Why is pension auto enrolment good news for employees?<\/h3><\/div><div class=\"u-grid__col u-1\/6@s\"><p><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" alt=\"Danny Butler\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/p><div class=\"has-padding-top-small text-x-small\"><em>Finder insurance expert <a href=\"https:\/\/www.finder.com\/uk\/author\/dannybutler\">Danny Butler<\/a> answers <\/em><\/div><\/div><div class=\"u-grid__col u-10\/12@s no-padding-bottom\"><p>Pension auto enrolment is fantastic news for employees. It\u2019s encouraging more people than ever to save for retirement and it\u2019s giving many employees a pay rise as employers pay into their pension pots.<\/p><p>Since it was launched in 2012, more than 10 million employees have been auto enrolled and less than 10% have opted out. These are employees who previously may have had no proper workplace pension.<\/p><p>In a world with so much financial uncertainty, it means that more of us will have our own pension pots when we come to retire, and not be completely reliant on the state pension.<\/p><\/div><\/div><\/div><\/article><h3>Bottom line<\/h3><p>The pension auto enrolment rules make pension saving easy and automatic for employees, and have encouraged more of us to save for retirement.<\/p><p>The rules mean you\u2019ll be automatically enrolled in a pension scheme by your employer rather than having to decide to join. Your pension pot can tick along, building up over the years. It\u2019s one less thing to worry about when it comes to saving for the future.<\/p><p>It means that by the time we come to retire, most of us should have built up a reasonable sized pension pot to supplement the state pension.<\/p><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Finder survey: Do you know what industries\/types of companies your workplace pension is invested in?<\/h4><div id=\"scale-surveys-10014-4036\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view-do-you-know-what-industries\/types-of-companies-your-workplace-pension-is-invested-in--age-\" class=\"u-grid__col u-1\/1 aligncenter size-full chart-container\"><\/div><style>\n\t\t\t\t#scale-surveys-10014-4036 text,\n\t\t\t\t#scale-surveys-10014-4036 svg text,\n\t\t\t\t#view-do-you-know-what-industries\/types-of-companies-your-workplace-pension-is-invested-in--age- text,\n\t\t\t\t#view-do-you-know-what-industries\/types-of-companies-your-workplace-pension-is-invested-in--age- svg text {\n\t\t\t\t\tfont-family: 'Modern Era', sans-serif !important;\n\t\t\t\t}\n\t\t\t<\/style><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\n\t\t\t\t\tvar packageToLoad = 'bar';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = '';\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t[\" \", \"55+\", \"45-54\", \"35-44\", \"25-34\", \"18-24\", ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"I don't have this\", 23.77, 22.09, 14.69, 8.65, 11.21, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"No, I have no idea what industries\/types of companies this is invested in\", 21.56, 15.99, 18.75, 17, 9.35, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"Yes, I have a clear idea of what industries\/types of companies this is invested in\", 12.99, 12.21, 12.5, 12.68, 11.68, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"No, I don't really know what industries\/types of companies this is invested in but I know how to find out\", 11.95, 15.12, 15.63, 15.27, 19.16, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"I don't know if I have this\", 10.91, 8.14, 7.5, 10.66, 13.55, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"No, I don't really know what industries\/types of companies this is invested in and I don't know how to find out\", 9.74, 13.08, 14.69, 14.41, 16.82, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t[\"Yes, I have a vague idea of what industries\/types of companies this is invested in\", 9.09, 13.37, 16.25, 21.33, 18.22, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: {\n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1D53FF', '#00B2FF', '#FFD23B', '#C3F53C', '#B469FF', '#FF73A9', '#1DD751', '#DB2420', '#E5F7FF', '#FFF9E5', '#EEF5DC', '#F2E5FF', '#FFE5EF']\n\t\t\t\t\t\t};\n\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.charts.Bar(document.getElementById('view-do-you-know-what-industries\/types-of-companies-your-workplace-pension-is-invested-in--age-'));\n\t\t\t\t\t\t\/\/ Bar chart specific options can go here\n\t\t\t\t\t\toptions.bars = 'vertical';\n\t\t\t\t\t\toptions.hAxis = {\n\t\t\t\t\t\t\tviewWindowMode: 'maximize',\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t\ttitle: '',\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tfontName: 'Modern Era',\n\t\t\t\t\t\t\t\tfontSize: 12\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t};\n\t\t\t\t\t\toptions.vAxis = {\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tfontName: 'Modern Era',\n\t\t\t\t\t\t\t\tfontSize: 12\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t};\n\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span>55+<\/th><th><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span>45-54<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span>35-44<\/th><th><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span>25-34<\/th><th><span class=\"row-color-icon\" style=\"background-color: #B469FF;\"><\/span>18-24<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td>I don't have this<\/td><td>23.77%<\/td><td>22.09%<\/td><td>14.69%<\/td><td>8.65%<\/td><td>11.21%<\/td><\/tr><tr><td>No, I have no idea what industries\/types of companies this is invested in<\/td><td>21.56%<\/td><td>15.99%<\/td><td>18.75%<\/td><td>17%<\/td><td>9.35%<\/td><\/tr><tr><td>Yes, I have a clear idea of what industries\/types of companies this is invested in<\/td><td>12.99%<\/td><td>12.21%<\/td><td>12.5%<\/td><td>12.68%<\/td><td>11.68%<\/td><\/tr><tr><td>No, I don't really know what industries\/types of companies this is invested in but I know how to find out<\/td><td>11.95%<\/td><td>15.12%<\/td><td>15.63%<\/td><td>15.27%<\/td><td>19.16%<\/td><\/tr><tr><td>I don't know if I have this<\/td><td>10.91%<\/td><td>8.14%<\/td><td>7.5%<\/td><td>10.66%<\/td><td>13.55%<\/td><\/tr><tr><td>No, I don't really know what industries\/types of companies this is invested in and I don't know how to find out<\/td><td>9.74%<\/td><td>13.08%<\/td><td>14.69%<\/td><td>14.41%<\/td><td>16.82%<\/td><\/tr><tr><td>Yes, I have a vague idea of what industries\/types of companies this is invested in<\/td><td>9.09%<\/td><td>13.37%<\/td><td>16.25%<\/td><td>21.33%<\/td><td>18.22%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Censuswide of 1995 Brits, April 2022\t\t<\/span><\/div><\/div><h3 id=\"faqs\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Will you be automatically enrolled into a workplace pension?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You will be automatically enrolled into a workplace pension as long as you are over 22 years old, working in the UK, earning over \u00a310,000 and don\u2019t have a suitable pre-existing workplace pension.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Do I need to set up an auto enrolment scheme?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>All employers need to set up an auto enrolment scheme, even if they have only 1 employee.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How soon do I have to auto enrol a new employee?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You need to auto enrol a new employee straight away, as long as they meet the qualifying criteria.<\/p><p>You are allowed to postpone enrolling employees for up to 3 months, but you will need to write individually to employees within 6 weeks to explain that you are postponing their auto enrolment.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Who is exempt from auto enrolment?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>People who work for a business but are not officially employed are exempt from auto enrolment. Here are some examples:<\/p><ul><li>Self-employed contractors<\/li><li>Directors<\/li><li>Partners of an LLP<\/li><\/ul><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Do all employees have to be auto enrolled?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>All employees have to be auto enrolled if they meet the qualifying criteria. That means they earn over \u00a310,000, work in the UK, are over 22 years old and don\u2019t have a pre-existing suitable workplace pension.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">What is the qualifying earnings for pension auto enrolment?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Qualifying earnings for pension auto enrolment are earnings between \u00a36,240 and \u00a350,270. For example, if Rhys earns \u00a325,000 his qualifying earnings would be \u00a318,760 (\u00a325,000 minus \u00a36,240).<\/p><p>Employers and employees need to contribute a minimum pension contribution based on these qualifying earnings. For example, Rhys would need to contribute \u00a3928 per year (5% of \u00a318,760) into his workplace pension.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Pensions are long-term investments. You may get back less than you originally paid in because your capital is not guaranteed and charges may apply. Keep in mind that the tax treatment of your pension and investments will depend on your individual circumstances and may change in the future. Capital at risk.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out what you need to know about your auto enrolment into your workplace pension scheme.<\/p>\n","protected":false},"author":1223,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2651],"tags":[],"asset_tag":[],"class_list":["post-427996","post","type-post","status-publish","format-standard","hentry","category-pensions"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is pension auto enrolment and how does it work?<\/title>\n<meta name=\"description\" content=\"Find out how auto enrolment pensions work, the options available to you and what you need to do to be involved in your workplace scheme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pension auto enrolment\" \/>\n<meta property=\"og:description\" content=\"Find out how auto enrolment pensions work, the options available to you and what you need to do to be involved in your workplace scheme.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-17T15:26:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\" \/>\n<meta name=\"author\" content=\"Alice Guy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/aliceguy15\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alice Guy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\"},\"author\":{\"name\":\"Alice Guy\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b05a6fe99a0d263aa82f4d85568285b1\"},\"headline\":\"Pension auto enrolment\",\"datePublished\":\"2021-12-17T15:26:53+00:00\",\"dateModified\":\"2024-07-09T18:26:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\"},\"wordCount\":2055,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\",\"articleSection\":[\"Pensions\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2021\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"The pensions regulator\",\"url\":\"https:\/\/www.thepensionsregulator.gov.uk\/en\/employers\/managing-a-scheme\/contributions-and-funding\"},{\"@type\":\"CreativeWork\",\"name\":\"Nerdwallet\",\"url\":\"https:\/\/www.nerdwallet.com\/uk\/pensions\/auto-enrolment\/\"},{\"@type\":\"CreativeWork\",\"name\":\"The peoples pension\",\"url\":\"https:\/\/thepeoplespension.co.uk\/auto-enrolment\/\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\",\"url\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\",\"name\":\"What is pension auto enrolment and how does it work?\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\",\"datePublished\":\"2021-12-17T15:26:53+00:00\",\"dateModified\":\"2024-07-09T18:26:16+00:00\",\"description\":\"Find out how auto enrolment pensions work, the options available to you and what you need to do to be involved in your workplace scheme.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage\",\"url\":\"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\",\"contentUrl\":\"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pensions\",\"item\":\"https:\/\/www.finder.com\/uk\/pensions\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pension auto enrolment\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b05a6fe99a0d263aa82f4d85568285b1\",\"name\":\"Alice Guy\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/AliceGuyF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/AliceGuyF1_Finder_600x600.png\",\"caption\":\"Alice Guy\"},\"description\":\"Alice Guy is a Suffolk-based finance writer, a busy mum of 4 older kids and a self-confessed personal finance geek. She trained as a chartered accountant with KPMG London before working for Tesco Plc as a business analyst. She loves to write about budgeting, saving, investing and building wealth.\",\"sameAs\":[\"https:\/\/twitter.com\/aliceguy15\",\"https:\/\/www.linkedin.com\/in\/alice-guy-40a21b20\/?originalSubdomain=uk\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/aliceguy\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2024-07-09T18:26:16+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What is pension auto enrolment and how does it work?","description":"Find out how auto enrolment pensions work, the options available to you and what you need to do to be involved in your workplace scheme.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment","og_locale":"en_GB","og_type":"article","og_title":"Pension auto enrolment","og_description":"Find out how auto enrolment pensions work, the options available to you and what you need to do to be involved in your workplace scheme.","og_url":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2021-12-17T15:26:53+00:00","og_image":[{"url":"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg","type":"","width":"","height":""}],"author":"Alice Guy","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/aliceguy15","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Alice Guy","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment"},"author":{"name":"Alice Guy","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b05a6fe99a0d263aa82f4d85568285b1"},"headline":"Pension auto enrolment","datePublished":"2021-12-17T15:26:53+00:00","dateModified":"2024-07-09T18:26:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment"},"wordCount":2055,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage"},"thumbnailUrl":"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg","articleSection":["Pensions"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"copyrightYear":"2021","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"},"citation":[{"@type":"CreativeWork","name":"The pensions regulator","url":"https:\/\/www.thepensionsregulator.gov.uk\/en\/employers\/managing-a-scheme\/contributions-and-funding"},{"@type":"CreativeWork","name":"Nerdwallet","url":"https:\/\/www.nerdwallet.com\/uk\/pensions\/auto-enrolment\/"},{"@type":"CreativeWork","name":"The peoples pension","url":"https:\/\/thepeoplespension.co.uk\/auto-enrolment\/"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment","url":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment","name":"What is pension auto enrolment and how does it work?","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage"},"thumbnailUrl":"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg","datePublished":"2021-12-17T15:26:53+00:00","dateModified":"2024-07-09T18:26:16+00:00","description":"Find out how auto enrolment pensions work, the options available to you and what you need to do to be involved in your workplace scheme.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#primaryimage","url":"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg","contentUrl":"https:\/\/www.finder.com\/uk\/wp-content\/uploads\/sites\/3\/2020\/07\/Danny-Butler.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/pensions\/pension-auto-enrolment#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Pensions","item":"https:\/\/www.finder.com\/uk\/pensions"},{"@type":"ListItem","position":3,"name":"Pension auto enrolment"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/b05a6fe99a0d263aa82f4d85568285b1","name":"Alice Guy","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/AliceGuyF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/AliceGuyF1_Finder_600x600.png","caption":"Alice Guy"},"description":"Alice Guy is a Suffolk-based finance writer, a busy mum of 4 older kids and a self-confessed personal finance geek. She trained as a chartered accountant with KPMG London before working for Tesco Plc as a business analyst. She loves to write about budgeting, saving, investing and building wealth.","sameAs":["https:\/\/twitter.com\/aliceguy15","https:\/\/www.linkedin.com\/in\/alice-guy-40a21b20\/?originalSubdomain=uk"],"url":"https:\/\/www.finder.com\/uk\/author\/aliceguy","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2024-07-09T18:26:16+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"beta-widget\",\"showFeaturedImage\":false,\"presetId\":\"shortcode\",\"shouldUsePrimaryCTAFieldName\":true,\"shouldUseSecondaryCTAFieldName\":true,\"primaryCTA\":{\"label\":\"Learn more\",\"target\":\"#learn\",\"containerText\":\"\"},\"secondaryCTA\":{\"label\":\"See FAQs\",\"target\":\"#faqs\",\"containerText\":\"\"},\"widgetShortcode\":\"[gs_lookup_value sheet_id=\\\"1mMR1Fccn1IlTX8Yjl64WrReq0h6IhC-0jlUDAnGuu6k\\\" tab_name=\\\"LiveAds\\\" lookup_column=\\\"A\\\" output_column=\\\"B\\\" lookup_value=\\\"FSF-Guides\\\"]\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\"}"],"_wp_page_template":["default"],"_content_type":["niche-content\/information\/niche-article"],"_masthead_subheading":["{\"text\":\"This handy guide will walk you through everything you need to know about your auto enrolment into your workplace pension scheme.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/427996"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/1223"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=427996"}],"version-history":[{"count":9,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/427996\/revisions"}],"predecessor-version":[{"id":537135,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/427996\/revisions\/537135"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=427996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=427996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=427996"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=427996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}