Workplace Pension Auto-Enrolment Compliance Check

Why this matters

The Pensions Act 2008 requires every employer to automatically enrol eligible workers into a qualifying workplace pension scheme and make minimum contributions towards it. From April 2019, minimum contributions are 3% employer and 5% employee on qualifying earnings. The Pensions Regulator (TPR) has issued over 100,000 enforcement notices and fined thousands of businesses for non-compliance — including those with just one eligible employee. Fines start at £400 for a first fixed penalty and can reach £10,000 per day for persistent breaches.

Compliance is not a one-off exercise. Employers must re-enrol all eligible staff every three years, process opt-outs correctly without encouraging them, keep detailed records for at least six years, and file a declaration of compliance with TPR. The Pension Schemes Act 2021 strengthened enforcement powers further, including provisions that allow TPR to pursue directors personally for deliberate non-compliance. Getting auto-enrolment right protects your staff’s retirement savings and shields your business from enforcement action and backdated contribution claims.

What you'll need

• A list of all workers, including their ages and whether they are part-time or variable hours
• Current payroll figures showing gross earnings for each worker
• Your auto-enrolment duties start date (staging date) from The Pensions Regulator
• Details of your current workplace pension scheme provider, if set up
• Date of your most recent re-enrolment assessment, if applicable

What you'll get

A personalised compliance report covering: a score out of 100, an executive summary, a list of findings ranked by severity, and a prioritised action plan with timeframes.