Employers must conduct re-enrolment every three years to ensure compliance with workplace pension regulations. This process involves assessing employees who previously opted out or reduced their contributions and completing a re-declaration of compliance.
1. Choosing a Re-Enrolment Date
Employers must select a re-enrolment date within a six-month window around the third anniversary of their original duties start date.
While using the exact anniversary is recommended for convenience, employers can choose any date within the permitted timeframe.
2. Identifying Eligible Employees
Assess employees who have left the pension scheme or reduced their contributions.
Eligible employees must be re-enrolled into a qualifying pension scheme on the chosen re-enrolment date.
Employers must start making contributions from this date.
3. Informing Employees
Employers must notify re-enrolled employees within six weeks of the re-enrolment date.
This communication should include details of their enrolment, contributions, and opt-out rights.
Template letters are available to simplify this process.
4. Completing the Re-Declaration of Compliance
Employers must submit a re-declaration of compliance within five calendar months of their third anniversary.
This confirms they have met their re-enrolment duties.
5. Important Considerations
No Postponement Allowed – Employers cannot delay assessing or re-enrolling employees through postponement rules.
Updating Contact Details – Employers should ensure their registered contact details are up to date to receive essential compliance notifications.
6. When No Employees Need to Be Re-Enrolled
If no employees meet the criteria for re-enrolment, the employer must still submit a re-declaration of compliance.
Employers can check their obligations using the available re-enrolment duties tool.
7. Special Circumstances
Re-enrolment is usually required every three years, but certain events, such as pension scheme changes, may trigger immediate re-enrolment duties.
By following these steps, you can ensure you remain compliant with pension regulations while helping employees secure their financial future.