Auto Enrolment Pensions for Charities

Your staging date is determined by The Pensions Regulator based on your PAYE scheme. It's the date from which you must comply with auto enrolment duties. If you've already passed your staging date, you need to act immediately. We can help identify your staging date and ensure you're compliant.

Employers must contribute a minimum of 3% of qualifying earnings. Employees contribute at least 5%, making a total minimum contribution of 8%. Qualifying earnings are earnings between £6,240 and £50,270 per year. Many charities choose to contribute more to attract and retain staff. We can help you calculate the exact cost based on your employee salaries.

Popular providers for charities include NEST, The People's Pension, NOW: Pensions, and Smart Pension. Each has different features, charges, and investment options. We help you compare providers based on your charity's size, budget, and requirements. We'll recommend the best fit and handle all the setup paperwork for you.

Yes, employees can opt out within one month of being enrolled. If they opt out during this period, they receive a full refund of contributions. However, you must re-enrol them every 3 years. We manage all opt-out requests and maintain the necessary records. Employees who opt out can choose to opt back in at any time.

Postponement allows you to delay automatic enrolment for up to 3 months for new employees. This can reduce administration if staff leave during probation periods. However, you must assess employees and inform them of postponement in writing. We can advise whether postponement is suitable for your charity and handle all the necessary communications.

No, auto enrolment only applies to paid employees. Volunteers and trustees who don't receive a salary are not included. However, if trustees or volunteers receive any payment for their work, they may become eligible. We can help you understand who counts as an employee and ensure you're assessing the right people.

The Pensions Regulator has significant powers to enforce compliance. Penalties start at £400 for missing your declaration of compliance deadline. For ongoing non-compliance, you can face escalating daily fines up to £10,000 per day depending on your charity's size. You could also face court action. We ensure you remain fully compliant to avoid any penalties.

Our auto enrolment service is included as part of our comprehensive payroll packages. Pricing depends on the number of employees and complexity of your requirements. We offer transparent, fixed monthly fees with no hidden costs. Contact us for a free consultation and personalized quote for your charity.

Re-enrolment is a legal requirement that happens every 3 years. You must automatically re-enrol any eligible employees who have previously opted out. This ensures workers don't miss out on pension savings. We manage your re-enrolment date, assess employees, complete re-enrolment, send letters, and file your re-declaration of compliance.

Yes, if you already have a pension scheme set up, we can take over the ongoing management. We'll review your existing arrangements to ensure they're compliant, integrate with your payroll, handle monthly submissions, and manage all your ongoing auto enrolment duties. We can also help you switch providers if your current scheme isn't meeting your needs.