Sorry. You need to upgrade your browser

You are using Internet Explorer 8

This is considered an out of date browser. This website has been developed with modern browsers in mind to allow it to display at its best in a wide variety of viewing situations - including mobile viewing. But we haven't supported older browsers like IE8. Please upgrade to the latest version of Internet Explorer - or try Mozilla Firefox or Google Chrome. Both are excellent browsers.

Thank you.

Chartered Financial Planners

Chartered Financial Planners - Independent

Tel: 01332 416585

Chartered Financial Planners

Chartered Financial Planners - Independent

Tel: 01332 416585

Auto Enrolment

Who needs to be automatically enrolled? 

At your staging date ( find your start date ) you will have to automatically enrol all ‘eligible jobholders’ in your workforce. An eligible jobholder is a jobholder aged between 22 and state pension age, who earns over the automatic enrolment trigger of £10,000. You are required to automatically enrol any worker who meets these criteria, regardless of whether they are on a temporary contract.

After your staging date, you will also be required to auto enrol:

  • new employees on the date they become employed by you
  • existing employees who become eligible jobholders as a result of a birthday or an increase in earnings
  • employees who have previously opted-out of auto enrolment. You are required to auto enrol (or re-enrol) these employees every three years (eligible workers have the right to opt-out of the pension scheme, but they cannot opt-out before they have first been auto enrolled into an automatic enrolment pension scheme)

What is the minimum contribution employers must pay? 

The Government has set minimum levels of contributions that must be paid to the workplace pension scheme by you and/or your employer. Your employer will tell you how much you will have to pay. (Below we've set out how the minimum contribution is calculated under the different options).

Employer Pays Employee Pays The Government adds tax relief of: Total Contribution

1.0% of your qualifying earnings until 6 April 2018 rising to 2.0% until 6 April 2019 then rising to 3.0%

0.8% of your qualifying earnings until 6 April 2018 rising to 2.4% until April 2019 then rising to 4.0% from April 2019.

0.2% of your qualifying earnings until 6 April 2018 rising to 0.6% until from 6 April 2019 then rising to 1.0% 

2.0% of your qualifying earnings until 06 April 2018 rising to 5.0% until 06 April 2019 then 8% thereafter

Under NEST (or an alternative ‘qualifying scheme’), employers will need to contribute 3% on a band of earnings for eligible jobholders – between £6,240 (the lower qualifying earnings band limit for 2021/2022) and £50,284 (upper earnings limit for 2021/2022). This is supplemented by the jobholder’s own contribution and around 1% in the form of tax relief. Overall contributions will total at least 8% for this type of scheme. 

If you are an Employer, you should ensure you understand the basic information on these changes, your staging date and which Employees will be affected. A review of existing arrangements should also be undertaken sooner rather than later. A review is also important as The Pensions Regulator, who will oversee the implementation process, does carry the power to levy fines of up to £400 or a fixed amount then daily fines of up to £10,000 on employers who do not take action. 

What our customers say


Ginny is an honest and knowledgable planner. Completes a full financial review based on individual circumstances and needs. Great service and advice provided and I have recommended her services to family and friends.


Pam, Derbyshire