Auto-enrolment - it won't go away


Auto-enrolment (workplace pensions) started in 2012 and by the end of 2017 all employers, regardless of their size, will need to comply and automatically enrol employees into a workplace pension.

Every employer will have a staging date. This is the date by which you must comply. If you are unsure what your staging date is, you can simply type ‘staging date' into Google and this will take you to the Pension's Regulators website where you can find out by entering your PAYE reference number. Here is a LINK as well.

Auto-enrolment will NOT go away. It is not another ‘whim' by the Government (like stakeholder pensions!). This is becoming even clearer as the Pension's Regulators are taking a hard approach in terms of enforcement and penalties. In the first quarter of 2016 the Pensions Regulator issued 806 Fixed Penalty Notice. In addition they issued 96 Escalating Penalty Notice.

An Escalating Penalty Notice is one of the statutory powers that the Pension's Regulator has to help maximise employer compliance with automatic enrolment duties. It specifies the date by which the employer must comply with certain actions or be subject to a fine which builds up at a daily rate.

The fine for small employers with 1 to 4 staff who fail to comply with an EPN is £50 per day and for those with 5 to 49 it is £500 per day.

So if you don't know your staging date - find out NOW. If you do know your staging date, make sure you have a solution.

If you want to know more, we are running workshops and you can also visit the 3 Steps to Auto-enrolment website.

Paula Fisher. You can contact Paula at

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