Workplace Pension Governance & Auto-Enrolment Compliance
The Pensions Regulator issues fines of £400+ for simple admin errors. We manage your entire pension compliance cycle so you never miss a deadline.
The Compliance Cycle
Duties Start Date
The day your first staff member starts. You must assess them immediately and issue letters within 6 weeks.
Declaration Deadline
5 months after start date. You must tell TPR you have complied. Miss this = £400 fine.
Re-Enrolment (3 Years)
Every 3 years, you must re-assess staff who opted out. It resets the clock.
"The Regulator's fines are automated. £400 is just the warning shot. Daily fines follow quickly."
Strict Legal Obligations
Auto-enrolment laws place the burden entirely on the employer. You must assess every worker, every pay period, and communicate in writing. We automate this burden.
The Regulator Fines
The Pensions Regulator (TPR) is aggressive. Fines escalate from £400 fixed to £50-£10,000 per day.
Backdated Contributions
If you fail to enrol staff correctly, you must pay their missing contributions yourself.
Re-Enrolment Trap
Every 3 years, you must re-assess everyone. Missing this cyclical deadline is a common compliance failure.
Your Pension Cycle
Workforce Assessment
Every pay run, we assess your staff. Are they "Eligible Jobholders" (must enrol), "Non-Eligible" (can opt in), or "Entitled"? We categorise them correctly.
Statutory Communications
We generate the mandatory letters (enrolment notices, postponement letters) and send them to staff within the strict legal timeframes.
Contribution Calculation
We calculate the 3% Employer and 5% Employee contributions based on "Qualifying Earnings" (or your chosen definition) and deduct via payroll.
Provider Upload
We upload the contribution file to your pension provider (Nest, People's Pension, etc.) and authorise the Direct Debit collection.
Declaration of Compliance
We submit the formal Declaration to The Pensions Regulator within 5 months of your start date (or re-enrolment date), closing the compliance loop.
What You Receive
Monthly Assessment Report
Audit trail of worker status.
Statutory Letters
Legal notices to employees.
Contribution Files
Uploads to pension provider.
Declaration of Compliance
Filing with the Regulator.
Opt-Out Management
Processing refunds correctly.
Re-Enrolment Mgmt
Handling the 3-year cycle.
The Perceptive Difference
Service Levels
From one-off setup to full monthly management.
New Scheme Setup
Best for: First Employee
Fast & Legal
We set up a compliant pension scheme (usually Nest or People's Pension), register you with The Pensions Regulator, and handle the initial postponement and assessment of your first hire.
Monthly Management
Best for: Existing Scheme
Total Peace of Mind
We take over the monthly administration. We run the assessments, send the letters, upload the files, and handle opt-outs. Usually bundled with our Managed Payroll service.
Pricing Clarity
Pension admin is typically included in our per-payslip pricing for managed payroll clients.
Setup Fees
Setup Project Fees
Packages
Scheme Setup
Setup Fee
One-off fee to register and configure.
- TPR Registration
- Scheme Selection
- Initial Letters
Monthly Admin
Included in Payroll
Usually bundled with payroll fees.
- Assessment
- Uploads
- Compliance
Re-Enrolment
Cyclical Fee
One-off fee every 3 years.
- Cyclical Assessment
- Re-Declaration
- Staff Notices
Common Questions
Yes. Duties start from the very first employee. You must assess them and communicate, even if they don't earn enough to be auto-enrolled.
Yes, but we recommend Nest or The People's Pension for ease of integration with payroll software. We can set these up for you.
Currently 8% total of qualifying earnings (usually 3% Employer, 5% Employee). You can choose to pay more.
Yes. If they opt out within 1 month, you must refund their contributions. After that, they can cease active membership. You cannot encourage them to opt out.
