You must put certain staff back into a pension scheme every three years. This is called automatic re-enrolment. Automatic re-enrolment occurs approximately three years after your staging date. Organisations will need to ensure that all eligible staff who are not already in a qualifying automatic enrolment pension scheme are re-assessed under re-enrolment.
You will have different responsibilities depending on whether you have staff to re-enrol or not. However, all employers must complete a re-declaration of compliance online through the TPR website.
Actions for employers
The following steps are designed to help you prepare for automatic re-enrolment:
- Choose your re-enrolment date
- Assess your staff
- Re-enrol staff
- Opting out
Choose your re-enrolment date
You have three months either side of the third anniversary of your staging date in which to choose your re-enrolment date. This gives you a six-month window in which you can choose a date, but you must have the same re-enrolment date for all staff you have to re-enrol.
Assess your staff
You will need to carry out an assessment of your staff
to determine if you need to re-enrol them, this applies to staff for whom any of the following apply for the twelve month period prior to your re-enrolment date:
- opted out of an automatic enrolment pension scheme
- ceased active membership of the pension scheme after the end of the opt out period
- stayed in the pension scheme but have chosen to reduce the level of pension contributions to below the minimum level for automatic enrolment.
If any of the above events happen within twelve months of your chosen re-enrolment date, you may decide to automatically enrol any eligible staff, but you are not required to do so.
Re-enrol your staff
If you have staff to re-enrol, you must ensure that they are put in an automatic enrolment pension scheme within six weeks of the re-enrolment date. You must then write to them within the same six-week window. You only need to write to the staff affected by re-enrolment. You can find the template letters on our communicating the changes web page.
If you have eligible staff to re-enrol, you will need to follow the same steps as you did when you first automatically enrolled them. The pension scheme you use for re-enrolment must meet the automatic enrolment criteria. However, it is likely that you will already have a suitable scheme in place if you automatically enrolled any staff at your original staging date.
Once you have automatically re-enrolled eligible staff, they remain in your scheme unless they choose to opt out or cease membership. There is a one month window in which staff can opt out of the scheme. If any of your staff choose to opt out, you will need to process their opt out notices and keep records accordingly.
Your deadline to redeclare your compliance will depend on whether you have any eligible staff to re-enrol on your re-enrolment date.
If you have eligible staff to automatically re-enrol, you must complete the redeclaration of compliance within two months of your selected re-enrolment date. If you do not have any eligible staff to re-enrol, your redeclaration deadline date will be the day before the third anniversary of your original declaration of compliance. If you find that you do not have any eligible staff to re-enrol, you will still need to redeclare your compliance.
Please visit the Pensions Regulator online service to redeclare your compliance.
If you have any questions and would like further information, please email: email@example.com.