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Workplace pension auto-enrolment for employers

Workplace Pension Auto-Enrolment Services

Your auto-enrolment duties handled from start to finish, as part of your payroll

We assess your staff, enrol everyone who qualifies, calculate and send contributions every pay day, handle opt-outs and file your declaration of compliance, so you never fall foul of The Pensions Regulator.

  • Staff assessed every pay run
  • Contributions sent on time
  • Declaration of compliance filed
  • Fixed fee, agreed first
£5per employee a month, with payroll
3%minimum employer contribution
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Get your workplace pension fixed fee

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How much do workplace pension services cost?

Auto-enrolment is included with our payroll. Choose your business type and team size to see your fixed monthly fee.

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    Includes payroll, workplace pensions, your accounts and tax returns.

    In short

    What is a workplace pension?

    A workplace pension is a pension your employer sets up and pays into for you. Under automatic enrolment, every employer must enrol staff aged 22 to State Pension age who earn over £10,000 a year, and pay at least 3% of their qualifying earnings, with a total minimum contribution of 8%. Employers must also file a declaration of compliance with The Pensions Regulator.

    • Earnings trigger£10,000 a year
    • Qualifying earnings£6,240 to £50,270
    • Minimum contributions3% employer, 8% total
    • Our fee£5 per employee a month

    Which employers need a workplace pension?

    Almost every employer has auto-enrolment duties from the day their first employee starts.

    • Any employer with at least one member of staff working in the UK
    • Staff aged 22 to State Pension age earning over £10,000 must be enrolled
    • Staff aged 16 to 74 can ask to join
    • Companies with directors who have employment contracts
    • Charities and community organisations with paid staff
    • Households employing carers or nannies

    A company whose only staff are directors without employment contracts usually has no duties, but must tell The Pensions Regulator.

    Workplace pension duties and deadlines

    Auto-enrolment is an ongoing duty, not a one-off task.

    1. DAY 1Duties startFrom the day your first employee starts
    2. 6 WEEKSEnrol eligible staffWithin 6 weeks of their start date, with written information
    3. 5 MONTHSDeclaration of complianceFiled with The Pensions Regulator
    4. 3 YEARSRe-enrolmentRe-enrol staff who opted out and re-declare

    Workplace pension contributions explained

    Minimum contributions are worked out on qualifying earnings between £6,240 and £50,270 a year.

    Who paysMinimum contribution
    Employer3% of qualifying earnings
    Employee5%, including tax relief
    Total8% of qualifying earnings

    Employer pension contributions are an allowable business expense and aren't subject to National Insurance. Source: The Pensions Regulator.

    What's included in our workplace pension service

    Everything needed to meet your auto-enrolment duties, every pay day.

    • Choosing and setting up a pension scheme
    • Assessing every employee each pay run
    • Enrolling eligible staff on time
    • Letters and information for staff
    • Calculating employer and employee contributions
    • Sending contributions to the provider
    • Opt-ins, opt-outs and refunds
    • Salary sacrifice set-up, if you want it
    • Declaration of compliance
    • Re-enrolment every three years
    • Records kept for The Pensions Regulator
    • Unlimited questions by phone, email and video

    How our workplace pension service works

    It runs alongside your payroll, so there's nothing extra to remember.

    1. Get your fixed fee

      Tell us about your team and we confirm your price in writing.

    2. Set up your pension

      We set up a scheme, such as NEST, or connect your existing one.

    3. Every pay day

      We assess staff, calculate contributions and send them to the provider.

    4. Stay compliant

      We file your declaration and re-enrol staff every three years.

    Workplace pension penalties

    The Pensions Regulator enforces auto-enrolment strictly.

    What happensPenalty
    Not meeting your duties after a compliance notice£400 fixed penalty
    Continuing to break the rulesAn escalating daily penalty of £50 to £10,000, depending on the number of staff
    Not paying contributionsContributions must be paid, plus possible penalties and interest

    Source: The Pensions Regulator.

    Workplace pension service prices

    Fixed fees, agreed in writing before we start. Prices exclude VAT.

    Payroll with pensions

    £5per employee a month + VAT

    Payroll, payslips, RTI and workplace pension duties for each employee.

    Check my exact price
    Most popular

    Limited company, Complete

    £150a month + VAT

    Payroll and pensions for up to 5 employees, plus bookkeeping, VAT and accounts.

    Check my exact price

    Payroll services

    £5per employee a month + VAT

    See everything included in our payroll service.

    Payroll services

    Workplace pensions are included with our payroll at no extra charge. See payroll services.

    Using an accountant vs managing workplace pensions yourself

    Auto-enrolment has to be checked every pay day, and mistakes can mean fines from The Pensions Regulator.

    Doing it yourselfWith Fixed Fee Accountant
    AssessmentsYou check every employee each pay runDone automatically with payroll
    ContributionsYou calculate and send themCalculated and sent for you
    DeadlinesYou track enrolment and re-enrolment datesWe track and meet every one
    The Pensions RegulatorYou file declarations yourselfWe file them for you
    CostYour time, plus software£5 per employee a month + VAT

    Taking on your first employee?

    Your auto-enrolment duties start on their first day. We set up payroll and your workplace pension before they start, so you're compliant from day one.

    Fixed fee workplace pension service

    With our fixed fee workplace pension service, auto-enrolment is included with payroll at a set price per employee, agreed before we start.

    • Price agreed in writing first
    • No hourly rates
    • No charge for questions

    Online workplace pension service

    Our online workplace pension service connects your payroll to your pension provider, so contributions are sent automatically every pay day, wherever you are in the UK.

    • Secure online document upload
    • Evenings and Saturdays
    • Support anywhere in the UK

    Workplace pension FAQs

    Who must be enrolled into a workplace pension?

    Employees aged 22 to State Pension age, earning over £10,000 a year and working in the UK, must be automatically enrolled. Others aged 16 to 74 can ask to join.

    How much must an employer pay into a workplace pension?

    At least 3% of qualifying earnings, with a total minimum of 8% including the employee's contribution and tax relief. Qualifying earnings are between £6,240 and £50,270 a year.

    How much does a workplace pension service cost?

    Workplace pensions are included with our payroll at £5 per employee a month plus VAT, added to any package.

    Do I need a workplace pension if I'm the only director?

    Usually not, if the company has no other staff and you don't have an employment contract. You should still tell The Pensions Regulator that you have no duties.

    What is a declaration of compliance?

    It's a statement to The Pensions Regulator confirming how you've met your auto-enrolment duties. It must be filed within 5 months of your duties starting, and again after each re-enrolment.

    Can employees opt out of a workplace pension?

    Yes. Employees can opt out within a month of being enrolled and get a refund of their contributions. You must re-enrol them every three years if they still qualify.

    What is re-enrolment?

    Every three years, employers must put eligible staff who opted out back into the scheme and file a new declaration of compliance.

    Which pension scheme should I use?

    Many small employers use NEST, the government-backed scheme, but there are other providers. We help you choose and set it up.

    What happens if I don't comply with auto-enrolment?

    The Pensions Regulator can issue a £400 fixed penalty and escalating daily penalties of £50 to £10,000, depending on your number of staff.

    Are employer pension contributions tax deductible?

    Yes. Employer contributions are an allowable business expense for tax and aren't subject to National Insurance.

    See all FAQs

    Get your workplace pension sorted

    Tell us about your team and we'll confirm your fixed fee, usually the same working day.