Enrolled employees get a welcome notification from Jarvis. During the opt-out window, contributions are not collected. They remain with you, the employer.
How contributions work during the window
Contributions are deducted from pay but held by you as the employer. They are not sent to Jarvis or invested into the pension pot until the opt-out window closes. This means if the employee opts out, no refund from Jarvis is needed because the funds never left your payroll.
If they opt-out within the window
You simply retain the contributions already held and return them to the employee via payroll.
Jarvis does not handle refunds, as no money has been collected from you.
If they opt out after the window
No refund but a member can cease making further contributions. Contributions already invested stay in their pension pot until retirement or transfer to another provider.
After the window closes (no opt-out)
The employee is a confirmed member. Jarvis will automatically collect the held contributions, and they are invested into the employee's pension pot.