workplace pensions

Re-enrolment

Automatic re-enrolment occurs every three years and is similar to the duties that an employer carries out on their staging date or deferral date if they used postponement.

You will need to carry out an assessment of your staff to determine who needs to re-enrol on their re-enrolment date. This applies to certain staff who have, more than 12 months before their chosen re-enrolment date:

  • opted out of their automatic enrolment pension scheme.
  • ceased active membership of their pension scheme after the end of the opt-out period. 
  • stayed in their pension scheme but have chosen to reduce the level of pension contributions to below the minimum level and who meet the age and earnings criteria to be re-enrolled.

If any of the above events happen within 12 months of an employer’s chosen re-enrolment date, they can decide to automatically enrol the eligible staff, but they are not required to do so.

In all cases, if an employer finds that they don’t have any eligible staff to re-enrol, they will still need to complete their re-declaration of compliance. An employer must choose a re-enrolment date that falls in the three months either side of the third anniversary of their staging date.

If you have staff to re-enrol, you must ensure they are put into an automatic enrolment pension scheme within six weeks of the chosen re-enrolment date. Your must then write to them within the same six-week window.  You only need to write to the staff you have re-enrolled. Once you have automatically re-enrolled staff, they remain in the 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 staff choose to do so, you will need to process their opt-out notices and keep records accordingly.

All employers must complete a re-declaration of compliance.

Your deadline to complete re-declaration of compliance will depend on whether you have any eligible staff to re-enrol on the re-enrolment date:

  • Staff to automatically re-enrol: the employer must complete the re-declaration of compliance within two months from their selected re-enrolment date.
  • No staff to re-enrol:  the re-declaration deadline date is the day before the third anniversary of an employer’s original declaration of compliance.

If an employer completed their original declaration late, then the anniversary date is 3 years from the date they should have completed their declaration (based on their original staging date plus 5 months).

 


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