Has it been three years already?!

Every three years employers must put certain members of staff back into an automatic enrolment pension scheme. This is called ‘re-enrolment’.

Re-enrolment duties must be completed approximately three years after your automatic enrolment staging date.  You will also need to complete a re-declaration of compliance to tell The Pensions Regulator how you have completed your duties.

Re-enrolment and the re-declaration of compliance are legal duties and if you don’t act you could be fined.


Your re-enrolment steps:

1) Choose a re-enrolment date

You have a six month ‘window’ from which you can choose a re-enrolment date. This window starts three months before and ends three months after the third anniversary of your automatic enrolment staging date.

2) Assess and re-enrol staff

You need to assess staff who have:

  • asked to leave (opted out of) your pension scheme
  • left your pension scheme after the end of the opt-out period
  • stayed in your pension scheme – but 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.

 

You can leave out any staff member who, on your chosen re-enrolment date:

  • is already in the pension scheme you use for automatic enrolment
  • is aged 21 or under
  • is at state pension age (SPA) or over
  • has not yet met the age and earnings criteria for automatic enrolment, or has been postponed.

3) Write to staff you have re-enrolled

You must do this within six weeks of your re-enrolment date.  It is your legal duty to write to each member of staff you have put back into your pension scheme.

4) Complete your re-declaration of compliance

You must do this within five months of the third anniversary of your staging date

Completing and submitting your re-declaration of compliance is a legal duty to show how you have fulfilled your employer duties for re-enrolment. You must complete your re-declaration even if you don’t have any staff to put back into your pension scheme. You can start your re-declaration at any time after you have re-enrolled staff, or as soon as you work out you have no staff to put into your pension scheme.

We recommend that you don’t leave your re-declaration until the last day to complete as some information may take time to prepare.


Ongoing duties after re-enrolment

Each time you pay your staff you should carry out the following ongoing duties:

  • monitor the age and earnings of your staff to see if you need to put any of them into a pension scheme
  • manage requests to join and leave your pension scheme
  • keep accurate records of what you have done
  • pay money into a pension scheme if you have put staff into it.

Re-enrolment is also part of your ongoing duties and you must continue to do this every three years.