
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
Get your workplace pension fixed fee
Free, no obligation. We usually reply the same working day.
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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.
Your business
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.
- DAY 1Duties startFrom the day your first employee starts
- 6 WEEKSEnrol eligible staffWithin 6 weeks of their start date, with written information
- 5 MONTHSDeclaration of complianceFiled with The Pensions Regulator
- 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 pays | Minimum contribution |
|---|---|
| Employer | 3% of qualifying earnings |
| Employee | 5%, including tax relief |
| Total | 8% 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.
Get your fixed fee
Tell us about your team and we confirm your price in writing.
Set up your pension
We set up a scheme, such as NEST, or connect your existing one.
Every pay day
We assess staff, calculate contributions and send them to the provider.
Stay compliant
We file your declaration and re-enrol staff every three years.
Workplace pension penalties
The Pensions Regulator enforces auto-enrolment strictly.
| What happens | Penalty |
|---|---|
| Not meeting your duties after a compliance notice | £400 fixed penalty |
| Continuing to break the rules | An escalating daily penalty of £50 to £10,000, depending on the number of staff |
| Not paying contributions | Contributions 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
Payroll, payslips, RTI and workplace pension duties for each employee.
Check my exact priceLimited company, Complete
Payroll and pensions for up to 5 employees, plus bookkeeping, VAT and accounts.
Check my exact pricePayroll services
See everything included in our payroll service.
Payroll servicesWorkplace 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 yourself | With Fixed Fee Accountant | |
|---|---|---|
| Assessments | You check every employee each pay run | Done automatically with payroll |
| Contributions | You calculate and send them | Calculated and sent for you |
| Deadlines | You track enrolment and re-enrolment dates | We track and meet every one |
| The Pensions Regulator | You file declarations yourself | We file them for you |
| Cost | Your time, plus software | £5 per employee a month + VAT |
Workplace pension help for every employer
Choose your situation to see how we help.
Small businesses
Pensions for shops, salons, cafés and trades with staff.
Accountant for small businesses →Limited companies
Director and staff pensions, including salary sacrifice.
Accountant for limited companies →Construction firms
Pensions for site staff alongside CIS.
Accountant for construction firms →Healthcare practices
Pensions for clinic and practice staff.
Accountant for healthcare →Start-ups
Your first employee enrolled correctly from day one.
Accountant for start-ups →Charities
Auto-enrolment for charities and community groups.
Accountant for charities →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.
Get your workplace pension sorted
Tell us about your team and we'll confirm your fixed fee, usually the same working day.