Workplace Pensions and Auto Enrolment
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What Is Auto-Enrolment?
Auto-enrolment is a government initiative designed to help more people save for their retirement through a workplace pension. Instead of choosing to join a pension scheme, eligible workers are automatically enrolled by their employer. Contributions are taken from your pay, your employer adds their share, and tax relief increases the total further.
Auto-enrolment aims to make pension saving the default option for anyone working in the UK, and it has become one of the most significant improvements in pension participation in recent decades, with millions of people now building private pension income alongside their State Pension.
You can remain in the scheme, increase contributions, or opt out, but being automatically included ensures you never miss out by accident.
Who Is Eligible for Auto-Enrolment?
Instead of setting up a pension yourself, you’re automatically added to your employer’s scheme if you meet certain criteria. To be automatically added to a workplace pension, you typically must:
Work in the UK
Earn £10,000 or more from one job (2024/25 tax year)
Be aged between 22 and State Pension age (66 in 2025)
If you don’t meet one or more of these criteria, it doesn’t mean you’re excluded. Workers under 22, part-time employees, and those earning below the auto-enrolment thresholds can still ask to join their employer’s scheme at any time. Your employer must allow you to join and, depending on your income, may also be required to contribute.
Pension Providers Used for Auto-Enrolment
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Nest (government-backed scheme)
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People’s Pension
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NOW: Pensions
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Aviva
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Legal & General
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Royal London
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Scottish Widows
Imagine what expert pension advice could do for your future…
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